Consumer complaint received 2021-04-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX, I FILED A COMPLAINT OF UNFAIR DEBT COLLECTION PRACTICES BY AMERICAN EXPRESS WITH THE CFBP IN VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICE ACT. INSTEAD OF RESPONDING TO THE COMPLIANT ON THE CFBP PORTAL AS INSTRUCTED, 3 DAYS LETTER ON XX/XX/XXXX AMERICAN EXPRESS ENGAGED IN FURTHER VIOLATION OF THE ACTS BY HIRING XXXX, XXXX and XXXX XXXX TO ENGAGE IN FURTHERING SUCH VIOLATIONS THROUGH COLLECTION TACTICS BY ADVANCING A FALSE CLAIM OF DEBT OWED. SEE ATTACHED LETTER. 

I RE-AFFIRM THAT NO DEBT IS OWED TO AMERICAN EXPRESS UNDER ACCOUNT ENDING IN XXXX. THIS ACCONT IS A CORPORATE DEBT FOR WHICH I WAS THE AUTHORIZED SIGNER AND AMERICAN EXPRESS EMPLOYEES THROUGH UNETHICAL CONDUCT MALICIOUSLY REPORTED THE CREDIT CARD UNDER MY NAME AS IF I WAS THE PARTY WHO APPLIED FOR A PERSONAL CREDIT CARD, ENTERED IN A PERSONAL CREDIT CARD AGREEMENT WITH AMERICAN EXPRESS OR SOMWHOW HAD A GUARANTOR AGREEMENT WHERE I AGREED IN WRITING TO PAY THE DEBT OF THE CORPORATE ENTITY WHO APPLIED FOR CREDIT, ENTERED INTO THE CORPORATE CARD AGREEMENT WITH AMERCIAN AND TO WHOM CREDIT WAS EXTENDED VIA A CORPORATE CARD UNDER A CORPORATION WITH ITS OWN TAX ID AND A LEGAL PERSON SEPARATE AND APART FROM ITS AUTHORIZED PERSON OR CEO. 

FURTHER, THE ACTS THAT AMERICAN EXPRESS AND ITS LAW FIRM HAVE ENGAGED IN ARE ALSO IN VIOLATION OF THE FEDERAL TRADE COMMISSION, AS AMENDED BY PUBLIC LAW 111-203, TITLE X.124 STAT.2092 2010- SECTION 807.2.A. THE CHARACTER, AMOUNT OR LEGAL STATUS OF ANY DEBT.2.5. THE THREATTO TAKE LEGAL ACTION THAT CAN NOT BE TAKEN. 2.8. COMMUNICATION OR THREATENING TO COMMUNICATE TO ANY PETRSON CREDIT INFORMATION WHICH IS KNOWN TO BE FALSE, INCLUDING THE DAILURE TO COMMUNICATE THAT A DISPUTED DEBT IS DISPUTED. 

A COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMISSION FOR ALL ALLEGED VIOLATIONS NAMED IN THE ABOVE STATEMENT TO ENFORCE THE LAW AND STOP THIS ILLEGAL ACT OF PURSUING A FALSE CLAIM OF DEBT COLLECTION. AMERCIAN EXPRESS ALREADY ENGAGED IN UNETHICAL AND PROBABLY CRIMINAL CONDUCT BY REFUSING TO PRODUCE A COPY OF THE SIGNED CREDIT CARD APPLICATION AND CONSUMER CREDIT CARD AGREEMENT UNDER MY NAME AS A PERSONAL CREDIT BUT INSTEAD PRODUCED A DOCTORED LETTER WITH A DATE TWO YEARS AFTER THE CORPORATE CARD WAS ISSUED TO MAKE IT APPEAR THAT SOMEHOW A LETTER WITH A DATE TWO YEARS AFTER THE CORPORATE CARD WAS ISSUED IS DEEMED LEGAL FOR DEBT VALIDATION FOR A CONSUMER DEBT. AMERCIAN EXPRESS CAN NOT PRODUCE SUCH DOCUMENTS SINCE THEY DO NOT EXIST. HOWEVER THE ACTUAL DOCUMENTS FOR THE CORPORATE CARD APPLICATION AND CORPORATE CARD AGREEMENT DO EXIST AND THEY DO NOT WANT TO PRODUCE THEM SINCE PRODUCING THEM WOULD BE INCRIMINATING AND SHOW CRIMINAL CONDUCT FOR KNOWLINGLY ADVANCING A FALSE CLAIM SINCE THE DEBTOR IS NOT XXXX XXXX, THE AUTHORIZED PERSON FOR THE CORPORATION BUT A CORPORATION WITH ITS OWN TAX ID, DULY FORMED, INCORPORATED AND GOVERNED BY CORPORATE LAW AND IS A LEGAL PERSON SEPARATE AND DISCTINT THAT ITS OFFICERS AND OR SHAREHOLDERS.. SEE SUPREME COURT RULING IN CITIZENS UNITED v FEDERAL ELECTION COMMISSION IN 2010 UPHOLDING THAT CORPORATIONS HAVE PERSONHOOD AS LEGAL PERSONS. INSTEAD OF PURSUING THE CLAIM AGAINST THE CORPORATION TO WHOM THE CORPORATE CREDIT CARD WAS ISSUED, AMERCIAN EXPRESS DECIDED THAT IT DID NOT WANT TO COLLECT AGAINST THE LEGITMATE PARTY WHO OWNED THE COPORATE CREDIT CARD BUT WOULD FALSELY ATTACH THE CLAIM TO MY NAME SINCE THEY WERE INFORMED THE CORPORATION HAS CEASED DOING BUSINESS AS AN XXXX XXXX GIVEN THE AGENCY WAS FORCED TERMINATED AND CLOSED. 

THUS, AMERICAN EXPRESS AND ITS LAW FIRM, XXXX, XXXX and XXXX XXXX MUST VALIDATE THEIR CONSUMER DEBTS AGAINST XXXX XXXX, AN INDIVIDUAL SINCE ACCOUNT ENDING IN XXXX IS NOT A CONSUMER CREDIT CARD ACCOUNT BUT A CORPORATE CREDIT CARD ACCOUNT. ACCORDING TO NEW YORK STATE NEW DEBT COLLECTION REGULATIONS THAT WENT INTO EFFECT IN XX/XX/XXXX, SINCE I DO NOT AGREE THAT I OWE THE DEBT AND DENY OWNING SUCH DEBT, I AM REQUESTING TO RECEIVE WITHIN SIXTY DAYS THE FOLLOWING ; XXXX. ANY CONTRACT OR APPLICATION THAT SHOWS THE APPLICATION WAS SUBMITTED UNDER MY NAME, SOCIAL SECURITY NUMBER AS A CONSUMER CREDIT CARD APPLICATION AND NOT A CORPORATE NAME AND TAX ID NUMBER. 
XXXX. CONSUMER CREDIT CARD AGREEMENT AACORDING TO CONSUMER CREDIT LAWS AND NOT BUSINSS CREDIT CARD AGREEMENT NOT COVERED. 
IF THESE DOCUMENTS CAN NOT BE PRODUCED IWITHIN 60 DAYS, THEN BY LAW ALL COLLECTION ACTIVITIES MUST CEASED. 

I HAVE BEEN TRYING TO REMOVE THIS DEBT FROM MY CREDIT REPORT SINCE 2017 AND IT HAS BEEN 5 YEARS SINCE AMERICAN EXPRESS CHARGED OFF THIS DEBT IN 2017 AND THIS MONTH ONCE I FILED A COMPLIANT WITH THE CFBP, AMERCIAN EXPRESS FLAGGED MY ACCOUNT ON XX/XX/XXXX THE SAME DAY THE COMPLAINT WAS FILED AS A CHARGE OFF ACCOUNT AND SENT IT TO COLLECTION. IT BEGGS TO QUESTION HOW MANY TIMES THIS DEBT CAN BE CHARGED OFF AND IT HAS BEEN CHARGED OFF A SECOND TIME AS PART OF A PATTERN OF ABUSE SINCE THIS CHARGE OFF IS EXPECTED TO FALL OFF IN 2023 AFTER 7 YEARS ACCORDING TO THE CREDIT REPORTING AGENCY FALL OFF SCHEDULE SHARED WITH ME. 

I AM ONCE AGAIN ASKING THAT ALL HARRASSMENT EMAILS, LETTERS SENT BY AMERCIAN EXPRESS AND ALL FALSE CLAIMS ADVANCED BY THEIR LEGAL REPRESENTATIVE STOP. PREVIOUS CLAIMS OF CHANGING THE ADDRESS FOR THE CORPORATE CARD ACCOUNT WITHOUT MY CONSENT WERE FILED WITHT HE CFBP AND FASLSE CLAIMS OF ORDERING STATMENTS ADVANCED BY AMERCIAN EXPRESS WERE ARE WELL DOCUMENTED. 

SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation