Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity. 
2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. 
3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation. 

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-85-million-refund-to-consumers-harmed-by-illegal-credit-card-practices/ Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.

Company response to consumer: Closed with explanation