Consumer complaint received 2017-03-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint to Consumer Financial Protection Bureau ( CFCB ) on XX/XX/XXXX : The American Express ( AE ) illegal scheme carried out by multiple actors as of XX/XX/XXXX : What American Express ( AE ) does is carry a credit card balance forward every month to the present on your credit report and says there is no data on payments ( implying you refused to pay the outstanding balance carried forward ). The whole time the account was closed by the customer in XX/XX/XXXX ( according the XXXX credit report ) and the civil court rendered a decision I owed nothing to American Express ( AE ) ( meaning the balance is XXXX ) years earlier in XX/XX/XXXX. The court order also restricts American Express ( AE ) " with prejudice '' to never raise this issue again, however, American Express ( AE ) defies this order every month when it egregiously carries a balance forward which intentional serves to both severely damage my credit history and gives AE a reserved right to view and monitor my applications for credit. As soon as an application for credit is posted on my credit report, AE than immediately within weeks sends threating letters to me about outstanding balances and posts this contact as another attempt to recover owed money and post even more an erroneous negative activity on my credit report. Before the customer closed its AE credit card account, AE closed my annual legal service to hire an attorney at a discounted rate even though I was paid up a year ahead. They stole this service from me to defend myself against my billing dispute with them and never credited my account as a way to cover up their crime. 
This scheme by American Express ( AE ) permits them to monitor my credit unlawfully to see when I apply for credit at which time they sent letters and posted on my credit report even more erroneous information and a continued refusal to pay. 
I have contacted American Express ( AE ) many times in writing and over the phone about their egregious billing practices that lead to the billing dispute ( by not removing ) items from my account where services were not rendered ( in this case by an attorney ). The billing dispute went to civil court where I won the dispute on XX/XX/XXXX now AE is determined to destroy my credit reports by continuing to post information that will further harm. Contacting the credit reporting agencies has not worked, that is why I am contacting your agency. 
American Express in guilty of wire fraud, conspiracy with other outside parties, racketeering and grand larceny ( stealing thousands of dollars from a customer ) and should be punished severely. 
With all the negative invalid items reported by American Express ( AE ) they have single handedly destroy your credit by nefarious means without my knowledge or consent to cause anguish and irreparable harm to the previous card holder as an act of retribution. The acts are deliberate, malicious and intended to cause the maximum pain to a former customer who has complained about these bias billing practices since XX/XX/XXXX - - more than six years, in my case - - XXXX XXXX. Thank you. 

Resolution : Remove all negative items with all XXXX credit reporting agencies : XXXX, XXXX and XXXX XXXX and pay for my damages.

Company response to consumer: Closed with non-monetary relief