Consumer complaint received 2019-07-14
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Below is the detail of my issue : XX/XX/XXXX To American Express Ref : Proof of settlement, settlement payments, updating and clearing records and compensation to me and my family for causing us severe XXXX and XXXX XXXX and XXXX. 

Creditor : American Express Account # : XXXX Settlement offered by American Express : {$3600.00} to be paid in XXXX Months @ $ XXXX Settlement accepted by me, XXXX XXXX : {$3600.00} to be paid in XXXX Months @ $ XXXX accepted on XX/XX/XXXX Settlement paid off satisfactorily as agreed upon : Yes, as of XX/XX/XXXX. Records attached herewith. 
Remaining Balance : {$0.00} Mailing Address of Creditor as per directed to send settlement payments to : American Express XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Dear American Express : Enclosed here are the records of settlement offered to me by American Express, accepted and paid in full by me as agreed upon in settlement offer with American Express. 
I have sent these documentation numerous times and have requested repeatedly to update and clear my account as satisfactory since I had paid in good faith as agreed upon in settlement in full in XX/XX/XXXX. All records which have been sent before repeatedly are attached herewith. I had made payments below in the exact order as advised in good faith and agreed upon by American Express. 

1. Initial deposit of {$99.00} made as requested by American Express to be paid to AmEx for starting settlement proceedings on XX/XX/XXXX 2. Additional deposit of {$99.00} made as requested by American Express to be paid to AmEx for starting settlement proceedings on XX/XX/XXXX XXXX. Settlement received for {$3600.00} ( original balance was {$8500.00} ) to be paid in XXXX Months @ $ XXXX/Month and accepted among me and American Express on XX/XX/XXXX XXXX. Settlement accepted by me for {$3600.00} ( original balance was {$8500.00} ) to be paid in XXXX Months @ $ XXXX/Month among me and American Express on XX/XX/XXXX XXXX. 1st payment of {$600.00} sent to American Express on XX/XX/XXXX via Certified and Registered USPS Money Order and mail. 
6. XXXX payment of {$600.00} sent to American Express on XX/XX/XXXX via Certified and Registered USPS Money Order and mail. 
7. XXXX payment of {$600.00} sent to American Express on XX/XX/XXXX via Certified and Registered USPS Money Order and mail. 
8. XXXX payment of {$600.00} sent to American Express on XX/XX/XXXX via Certified and Registered USPS Money Order and mail. 
9. Final XXXX payment of XXXX and XXXX payments of {$600.00} each totaling {$1200.00} sent together to American Express on XX/XX/XXXX via Certified and Registered USPS Money Order and mail. 
10. My satisfactory account was referred to collection to XXXX XXXX even I had paid everything in full as agreed upon ( Record attached herewith ). 
11. I kept being contacted and harassed by American Express even after satisfactory paying the settlement in full as agreed upon for almost 7 years since XX/XX/XXXX and still continuing. 
12. Requested letter of clearance from American Express and XXXX XXXX on XX/XX/XXXX and continued to be contacted and harassed by American Express even after satisfactory paying the settlement in full as agreed upon for almost 7 years and continuing since XX/XX/XXXX. 
13. Never received any clearance from American Express and XXXX XXXX and continued to be contacted and harassed by American Express even after satisfactory paying the settlement in full as agreed upon for almost 7 years and continuing since XX/XX/XXXX. 
14. When I kept asking American Express over the phone to provide me letter of clearance as well as clearing my credit, I started being told that my paid settlement will never be reported to any credit bureaus and will be considered dead funds given to American Express. 
15. All the above horrible experiences have broken my heart along with my little struggling family, my severe struggle to pay everything in good faith and all to American Express, American Express has continued to cause me and my family severe emotional and psychological hardship, stress and anxiety for ~ 7 years since XX/XX/XXXX up until present and still continuing using phone calls, continued mailings of settlement and balance owed etc. 

After suffering American Expresss severe XXXX and XXXX XXXX, XXXX and XXXX for ~ 7 years since XX/XX/XXXX up until present even though I had made agreed upon settlement with American Express, made due diligent effort and struggled very hard working extensive hours days and night to make ends meet and also pay off agreed settlement in good faith, now ; Under all applicable consumer laws, I hereby demand : a ) My American Express account cleared and closed as satisfactory under all applicable laws including but not limited to FDCPA, FCRA, CFPB etc. and, b ) A mailed paper proof to me of closure of my account as satisfactory and agreed upon and, c ) Compensation payable to me ( XXXX XXXX ) as per legally disbursed compensation to the maximum as per Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. and all other established applicable laws and compensation for the minimum amount of {$500000.00} or 1 % of the creditors net worth, whichever is less. to be payable to me for causing me and my family severe undue emotional and XXXX XXXX and XXXX, XXXX, and XXXX for ~XXXX years since XX/XX/XXXX up until present and still continuing and, d ) I do not want to receive any collection requests, harassments, phone calls, or any communication of any kind for this matter anymore except ( a, b and c ) above. 

I am married second time, after going thru horrendous experiences of life ; now, I have a beautiful family with XXXX little children, XXXX years old son and XXXX weeks old daughter. We have been suffering due to severe undue XXXX and XXXX XXXX and XXXX, XXXX, and XXXX for ~XXXX years since XX/XX/XXXX up until present and still continuing caused by American Express XXXX 

I am writing to you American Express above to allow you an honest opportunity in good faith to settle this as demanded and deserved by me above before I pursue legal actions to full extent possible against you, American Express as permitted by law to me ( XXXX XXXX, your consumer ) who has suffered along with my family, severe undue XXXX and XXXX XXXX and XXXX, XXXX, and XXXX for ~XXXX years since XX/XX/XXXX up until present and still continuing. I have reported this to Maryland Attorney General Office, CFPB and other respective agencies already. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief