Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is not a duplicate of any previous complaints against American Express at CFPB. 
The response of American Express on XX/XX/XXXX was just the echo of its responses on XX/XX/XXXX and all the previous responses, which were full of false claims based on the fraudulent monthly statements manufactured by American Express. My complaint submitted to CFPB on XX/XX/XXXX, had clearly refuted the false claims of American Express in its response sent to me on XX/XX/XXXX ; however, in its response on XX/XX/XXXX, American Express just relied on its false claims on XX/XX/XXXX that In our prior response to the Consumer Financial Protection Bureau ( CFPB ) ID No : XXXX on XX/XX/XXXX, we advised we were unable to remove the account from your credit report as it was being reported accurately. Now in its most recent response from American Express National Bank on XX/XX/XXXX, it just played at echoing the same false claims it previously provide to me based on the perfunctory statement We responded previously to the Consumer Financial Protection Bureau ( CFPB ) CFPB Ref No : XXXX, XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX ; however, American Express has deliberately neglected my request for the investigation of the fraudulent monthly statements it provided to me through CFPB, and my request for American Express to provide authentic monthly statements complying with the Payment Activities of my American Express credit card account ending XXXX ( Payment Activities XXXX see Exhibit-2-Payment-Activities.pdf attached with this complaint ) Further, although I have repeatedly proved that the the billing statements from XX/XX/XXXX through XX/XX/XXXX American Express sent to me through CFPB were fraudulent documents manufactured by American Express in my previous complains, in its most recent response sent through CFPB, American Express still made false claims that it did not miss any of my payments based on the [ fraudulent ] billing statements [ manufactured ] from XX/XX/XXXX through XX/XX/XXXX. Here, I again have included the details of the disputed payment again in the following : In XX/XX/XXXX, American Express charged {$8400.00} twice from my XXXX XXXX  checking account for the purpose of paying the balance towards my American Express credit card account ending XXXX ( Credit Card ). However, American Express failed to apply either of those two payments towards my Credit Card, details are included here in the following : There is no dispute on the statement The payment on XX/XX/XXXX was returned, the dispute is whether American Express applied the {$8400.00} payment ( made on XX/XX/XXXX ) to my American Express credit card.

a ) After I found out that American Express failed to apply either of those two payments that it took out of my XXXX XXXX checking account towards the balance due on my credit card, I immediately disputed the two missed payments with both American Express and XXXX XXXX. 
b ) On XX/XX/XXXX, XXXX XXXX informed me that one of those two {$8400.00} payments was claimed back from American Express ( See XXXX attached with this complaint ). When I contacted XXXX XXXX for the other {$8400.00} payment ( the Missed Payment ), XXXX XXXX informed me that it could not get back the Missed Payment from American Express because American Express rejected to refund it and claimed to have applied that {$8400.00} to my Credit Card. 
c ) After I spoke with XXXX XXXX  I reviewed the payment activities of my Credit Card ( Payment Activities, see Exhibit-2-Payment-Activities.pdf attached with this complaint ) and confirmed that the Missed Payment was the {$8400.00} payment with XXXX. XXXX. The Payment Activities shows that the status of the Missed Payment is Returned. This has concluded the facts with evidence that American Express got the money {$8400.00} in XX/XX/XXXX but did not apply the money to my Credit Card. 
d ) In all its communications with me, American Express acknowledged that American Express did receive the Missed Payment from me, which is the same as shown in the payment confirmation from XXXX XXXX ( see Exhibit-3-Payment-Confirmation.pdf attached with complaint ) ; therefore, there is no dispute about the fact that the Missed Payment was successfully paid to American Express in XX/XX/XXXX. 
f ) Then the only dispute about the Missed Payment is whether American Express applied the {$8400.00} to my Credit Card or not. The Payment Activities ( see Exhibit-2-Payment-Activities.pdf attached with this complaint ) shows the {$8400.00} was not applied to my Credit Card as its status is Returned. However, American Express always made false claims based on the fraudulent monthly statements ( manufactured by American Express ) that it did not discard any payment to my Credit Card and the Missed Payment was applied to my Credit Card.

Company response to consumer: Closed with explanation