Consumer complaint received 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HEREBY ON BEHALF OF PRINCIPAL ACCEPT ALL TITTLES, RIGHTS AND EQUITY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -IN YOUR NON SEQUITUR RESPONSE, YOU HAVE STATED THTA YOU HAVE SHUT DOWN MY ACCOUNTS SOLELY BECAUSE YOU ALLEGEDLY HAVE THE AUTHORITY TO DO SO UNDER THE CONSUMER AGREEMENT. THIS STATEMENT BY AMERICAN EXPRESS FORFEITS THE FACT THAT YOU HAVE SHUT DOWN MY ACCOUNT NOT BECAUSE OF A DEFUALT OR INABILITY TO PAY, BUT BECAUSE YOU SIMPLY DECIDED TO DO SO. SINCE THIS IS TRUE NOTICE IT IS FACT RE-PAYMENTS ON THE FINANCE CHARGE ON THIS ACCOUNTS WERE ATTEMPTED IN GOOD FAITH TO HAVE THE ACCOUNTS REINSTATED BUT YET YOU DENIED ME MY RIGHT TO CREDIT. YOU AMERICAN EXPRESS TOOK PAYMENT ( MONEY ) ON A DISCHARGED DEBT AND CONTINUED TO DENY ME MY FEDERAL RIGHT TO CREDIT. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT UNDER 15 USC 1602 'CREDIT ' IS THE " RIGHT GRANTED '', NOT A PRIVILAGE, NOT A BENEFIT MEANING IT IS ALIENABLE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT AMERICAN EXPRESS UNDER 12 USC 1431 DOES NOT HAVE TO POWER TO LEND BUT TO BORROW -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT AMERICAN EXPRESS UNDER CONGRESS DOES NOT HAVE THE POWER TO LEND ITS OWN CREDITS NOR ANY MONEY FOR IT IS A FICTITUOS ENTITY ON PAPER ( see BOWEN v. NEEDLES ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS A FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION USING MY ORIGINAL CREDIT CARD ( ssn ) WITH AMERICAN EXPRESS AND HAVE EXTENDED MY CREDITS VIA A FINANCE CHARGE IN WHICH AMERICAN EXPRESS HAD A DUTY UNDER THE FEDERAL RESERVE ACT SEC. 16 TO EXCHANGE IT DOLLAR FOR DOLLAR -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT I HAVE COMMUNICATED WITH AMERICAN EXPRESS VIA CONDITIONAL EXCEPTENCE AND HAVE REQUESTED AMERICAN EXPRESS TO VALIDATE AND SHOW EVIDENCE OF WHERE THEY GET THE " MONEY '' TO IN TURN GIVE TO ME IT ALLEGES IT DID. NOTICE IT IS FACT AMERICAN EXPRESS ALTHOUGH UNDER TH E POSTAL RULE HAS CONTRACTED WITH ME, HAS DISHONORED THE OFFER AND FAILED TO PROVIDE SUCH EVIDENCE. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT AMERICAN EXPRESS CLAIMS IT ACCEPTS NEGOTIABLE INSTRUMENTS AS PAYMENTS BUT YET IN FACT REFUSES SUCH TENDERS OF PAYMENT BEING IN BREACH OF TRUST -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT UNDER " BLACK '' s LAW DICTIONARY 1st EDITION -- pg 808 '' NEGOTIABLE INSTRUMENT IS DEFINED AS : " A general name for bills, notes, checks, transferable bonds or coupons, letter of credit, and other negotiable written securities '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT AMERICAN EXPRESS YOU ARE OBLIGATED TO PERFORM UNDER THE BILL OF EXCHANGE ACT OF 1882 -- -- -- -- NOTICE UNDER " BLACK '' s LAW DICTIONARY 1st EDITION -- pg 185 " BILL OF EXCHANGE IS DEFINED AS : A written ORDER from A to B directing B to pay to C a certain sum of money therin named '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -AMERICAN EXPRESS YOU HAVE BEEN EXPRESSED COUPONS WITH THE INSTRUCTIONS/ORDER TO TRANSFER PRINCIPAL BALANCE TO PRINCIPAL ACCOUNT FOR SET OFF UNDER THE BILL OF EXCHANGE ACT OF 1882. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT UNDER " BLACK 's LAW DICTIONARY 1st EDITION pg 286 " COUPONS '' IS DEFINED AS : Interest and dividends certificate : also those parts of a commercial instrument which are to be CUT, and which are evidence of something connected with the contract mentioned in the instrument '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT YOU HAVE BEN PRESENTED AND YOU HAVE ACCEPTED SAID COUPONS FOR PERFORMANCE AND YOU HAVE COMMITTED VIOLATIONS UNDER THE FEDERAL RESERVE ACT SEC 29 " TIER 3 '' AS OF JAN 19 2023 WHICH IS BEING RECORDED DAILY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU HAVE DISCRIMINATED AGAINSTM ME DENYING ME MY OWN GRANTED RIGHT TO CREDIT FOR NO GOOD REASON, YOU HAVE CAUSED ME TO LOSE FAITH IN THE BANKING SYSTEM AND YOU HAVE CAUSED MASSIVE HARM TO MY CHARACTER AND FINANCIAL STANDING -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NOTICE IT IS FACT AMERICAN EXPRESS YOU HAVE ALSO FAILED IN YOUR TURHT IN LENDING REQUIREMENTS AND DID NOT DISCLOSE TO ME AT THE TIME OF APPLICATTION THAT I HAD THE RIGHT TO RECIND ANY APPLICATION THERE FOR MY DEADLINE TO DO SO IS NOW " 3 YEARS ''. YOU HAVE OBTAINED MY SECURITY FOR MONETARY GAIN AND HAVE DENIED ME A BENEFIT COMMITTING SECURITIES FRAUD. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -ONCE AGAIN UNDER TRUTH IN LENDING I DEMAND YOU RETURN TO ME MY ORIGINAL APPLICATION /SECURITY DUE TO YOUR FAILURE IN YOUR TRUTH IN LENDING REQUIRMENTS OR YOU WILL BE LIABLE UNDER 15 USC 1644 AND THE SECURITY EXCHANGE ACT OF 1934 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- STOP SENDING ME GENERIC ALLEGATIONS AND CLAIMS SHOWING ACCOUNTS NUMBER AND ALLEGED DEBT OWED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -ACT ACCORDINGLY

Company response to consumer: Closed with explanation