Consumer complaint received 2021-07-22
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express Lies, once again, through Customer Advocate Services Charlatan Team 1st lie : American Express says and I quote : " We are accurately reporting your accounts to the credit reporting agencies ''.. False : American Express is not a collection agency but the original financial institution which granted my charge and credit card with American Express. 
This fact alone, disqualifies American Express to be a collection agency at all. 
They can't report my accounts with them as handled by a collection agency when all of my 3 accounts with them never left American Express and were paid only to them and directly to them, as the American Express Receipts clearly show. 
Is not accurate and is not precise to keep reporting them as under collection and profit loss when all that is false, is a violation to the Fair Credit Reporting Act and Fair Debt Collection Practices Act they keep doing month after month year after year ever since.

2. 2nd Lie, repeating the first paragraph lie on 2nd paragraph, and I quote : We are accurately reporting your accounts to the credit reporting agencies in accordance with FCRA and are unable to remove any past due reporting. FALSE : They are not reporting my accounts accurately at all, and they can remove this horror by forcing them though the Courts with all the evidence, because the Fair Credit Reporting Act requires precisely what they don not do with my accounts.

3. 3rd Lie and I quote : " We mentioned that we located multiple correspondence from you about your account that were reviewed beginning in XXXX and enclosed copies of prior CFPB responses sent on XX/XX/XXXX and XX/XX/XXXX. '' FALSE : They only recognized this several years after the faxes were sent, and with a letter I never received back then and that they can't show not even a tracking number or certified mail for it proving it was received, because was never sent by them. 
They do not want to mention the many phone calls and Online Live Chat sessions I had with their Bad Customer Service in which they repeatedly informed to me that they did not had my faxes, no matter I informed during all those phone calls and Live Chats, that my fax reported everything was sent correctly.

4th Lie, and I quote : " Additionally, because of the past due status of your account, it was assigned to a collection agency in XX/XX/XXXX. '' FALSE : NO REAL COLLECTION AGENCY RECEIVED ANY OF MY 3 ACCOUNTS WITH THEM : IT IS IMPOSSIBLE TO PAY DIRECTLY TO THE ORIGINAL FINANCIAL INSTITUTION WHILE HAVING THE ACCOUNT AT THE SAME TIME AT A COLLECTION AGENCY : MY AMERICAN EXPRESS PAYMENT RECEIPTS WHICH WERE ALL RECEIVED AT THE CFPB, ARE PROOF OF THIS. I HAVE NO RECEIPT OF ANY PAYMENT TO ANY COLLECTION AGENCY AT ALL BECAUSE I NEVER PAID NOT EVEN ONE PAYMENT TO ANY REAL COLLECTION AGENCY AT ALL. PLUS, MY CREDIT REPORTS FROM THE 3 MAIN CREDIT BUREAUS KEEP SHOWING THE CONTRADICTION, THAT THE 3 CREDIT BUREAUS KEEP REPORTING I DO NOT HAVE ANY ACCOUNT UNDER COLLECTIONS : ONLY AMERICAN EXPRESS AND XXXX XXXX ARE SHOWING THIS INFORMATION BELOW THEIR BANK NAMES BECAUSE THEY PRETEND TO BE WHAT THEY CAN'T BE : THE ORIGINAL FINANCIAL INSTITUTION IS NOT A COLLECTION AGENCY : THE CREDIT REPORTS ARE SHOWING THIS FALSE INFORMATION BUT THEY PRETEND THAT I ACCEPT THEY ARE A COLLECTION AGENCY : THEY ARE NOT A COLLECTION AGENCY AT ALL AND THAT ALONE IS AGAINST THE F.C.R.A.

5th Lie, and I quote : " Even though you made payments directly to us, your account was being handled by the agency '' FALSE : PAYMENT MADE TO THE ORIGINAL FINANCIAL INSTITUTION, MEANS THE ACCOUNT WAS STILL LOCATED AT THE ORIGINAL FINANCIAL INSTITUTION : ACCOUNTS ARE NOT HANDLED AT REAL COLLECTION AGENCIES AND BANKS AT THE SAME TIME : THIS IS A FRAUD THE C.F.P.B. SHOULD FORCE THIS BAD BANKS TO RECOGNIZE, AND THIS SHOULD GO FULLY PUBLIC SO PEOPLE UNDERSTAND THERE ARE BANKS WITH THIS BAD POLICIES THAT UNFAIRLY DESTROY THE CREDIT OF ANYONE WHILE THE COURTS DO NOTHING, AND THAT IS CORRUPTION. 
THE ONLY WAY ANYONE IS ABLE TO PAY DIRECTLY TO THE BANK IS BECAUSE THAT ACCOUNT IS STILL LOCATED A THE BANK : IF IT WAS LOCATED T A REAL COLLECTION AGENCY, THE PAYMENTS AND RECEIPTS HAVE TO SHOW THE NAME, NO MATTER WHICH, OF ANY OF THE DIFFERENT COLLECTION AGENCIES, WHICH PROOF THE ACCOUNT IS NOT AT THE ORIGINAL BANK ANYMORE. BECAUSE COLLECTION AGENCIES ARE CONTACTED AS A LAST RESOURCE WHEN THE CLIENT DOES NOT RESPOND MUCH LESS WHEN HE OR SHE PAYS, THAT WAS THE REAL REASON AMERICAN EXPRESS HAD TO DENY THE FACT THEY RECEIVED MY FAXES. THEY KEPT INFORMING TO ME OVER THE PHONE AND LIVE ON CHAT THEY HAD NOTHING, TO JUSTIFY THEIR FALSE INTERNAL COLLECTION AGENCY, THEY NEEDED SOMETHING TO JUSTIFY IT, NO MATTER FALSE AND A FRAUD. 

6th Lie, and I quote : As previously mentioned, on XX/XX/XXXX, we sent a new application for the XXXX XXXX XXXX. The letter was sent via the United States Postal Service ( USPS ) and it was enclosed XXXX XXXX XXXX XXXX Page Two XX/XX/XXXX ) with our prior CFPB response ''. FALSE : THEY SENT THAT APPLICATION ORIGINALLY AS EVIDENCED HERE IN THE YEAR XXXX : THE ONLY THING THEY REALLY SENT BACK THEN, NOT ANY LETTER RECOGNIZING MY FAXES. THEY CAN'T RECOGNIZE THE PRINTED DATE MADE BY THEM ON THAT LETTER EITHER. 

7th Lie, and I quote : " Additionally, because of the length of time from when your account was closed and paid off, we are unable to review any of the calls or validate the phone numbers that you were called from in XXXX as referenced in your correspondence. '' FALSE : THEY ARE UNABLE TO REVIEW THE PHONE CALLS OR VALIDATE THE PHONE NUMBERS BECAUSE THEY, ON PURPOSE AND NO MATTER MY COMPLAINTS SPECIFICALLY FILED HERE ABOUT THIS, THEY AMERICAN EXPRESS DECIDED TO KEEP CALLING ME FROM UNKNOWN PHONE NUMBERS WHICH WERE NOT APPEARING ON MY FAMILY CELL PHONE BILLS AND THERE WAS NO WAY TO IDENTIFY THOSE PHONE NUMBERS AS COMINGFROM AMERICAN EXPRESS AT ALL NOT EVEN WITH MY CFPB COMPLAINTS THEY DECIDED TO CHANGE AND START USING ANY OFFICIAL AMERICAN EXPRESS PHONE NUMBER BACK THEN SO IT COULD BE EASILY SEEN AND IDENTIFIED IN THE PHONE BILL BACK THEN. 

8. 8th Lie, and I quote : " We consider this matter closed. This office will file your future correspondence regarding this matter, but we will not respond. '' FALSE : IS NOT CLOSED BECAUSE YOU KEEP VIOLATING THE FCRA AND THE FAIR DEBT COLLECTION PRACTICES ACT AND CAUSING UNFAIR DAMAGES TO ME AGAINST THE LAWS.

Company response to consumer: Closed with explanation