Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

ATTENTION : AMERICAN EXPRESS NATIONAL BANK AND AMERICAN EXPRESS TRAVEL RELATED SERVICES I am writing this complaint after years of trying to correct the problem with American Express and having already created a prior complaint on CFPB in the past to dispute the amount owed with no resolution. Within this time, I became knowledgeable of my duties under the XXXX XXXX XXXX, and understood my billing rights under the FAIR BILLING CREDIT ACT, which I now realize was violated. I also realized that American Express has violated the UNFAIR DECEPTIVE ABUSIVE ACTS AND PRACTICES. 

On XX/XX/XXXX once again I proceeded to understand what I agreed to with American Express with the XXXX XXXX XXXX XXXX. To my surprise AMERICAN EXPRESS NATIONAL BANK implied in their Consumer Deposit Agreement, that I had a XXXX Checking Account, a XXXX XXXX Savings Account, CD ( XXXX XXXX XXXX ), and IRA account, and that I should read of their schedules together. Once I realized that American Express National Bank and American Express Travel Related were COVERED PERSONS, who had added on all of these products through supplements and amendments that I allegedly agreed to, I immediately filed a claim notice on XX/XX/year> to litigate the matter, discuss my findings, and being that AENB, ITS SUBSIDIARIES, AND AFFILIATES HAVE A PERFECTED 1ST PRIORITY SECURITY INTEREST IN THE ACCOUNT AND ANY OTHER ASSET, DEPOSIT ACCOUNT OR OTHER PROPERTY MAINTAINED WITH THEM AS SECURITY FOR ALL OBLIGATIONS, WHETHER NOW OR IN THE FUTURE, gave full authorization to AENB, and its affiliates, to draw on the asset account as needed to meet the obligation for the outstanding balance and approved any transaction needed. I explained that I did not have access to the online account and did not have the full XXXX account number ending in XXXX. Since time has passed, I needed assistance with whatever rate they needed so that the seller, American Express Travel Related could receive their payment. I was by no means asking for investment advice. 

On XX/XX/XXXX, American Express National Bank, refused to resolve the matter, or give me any information on these accounts, or any credit sales, simply stated that they had some ability to know what I believed and for them it was that I allegedly believe a self-created payment coupon was payment. That discrimination couldnt be further from the truth. 

After American Express National Bank refusal, I would spend over XXXX  months, XXXX  days a week, XXXX hours a day, on their website, screenshotting and documenting every page and link in XXXX pdfs, where I clearly show what American Express did with the Program, aka XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence. Reading the XXXX pages made me realize how misleading American Express communicates what payments are. The shock I felt to discover XXXX  on my eft agreement, their XXXX XXXX symbol took me down a road of discovery. 

After XXXX  months, I was still finding new disclosures, supplements, amendments, and XXXX party beneficiaries, all relating to the XXXX XXXX XXXX XXXX. I discovered their secret language of communicating by symbol, for a benefit that looks as if it were trying to be hidden and never understood by anyone. What was more apparent was that the organization that created all this ACCOUNT DOCUMENTATION, was the only one who could properly understand it and anyone else would have to pay a lawyer, just to be able to understand a benefit that they are entitled to. 

XXXX XXXX XXXX XXXX XXXX XXXX, are just as confusing, qualifying purchases, qualifying charges. Eligible purchases and eligible charges. It all feels like money laundering, leveraging, if you ask me and made to not be understood so that my earnings could be kept as abandoned property. My ability to pay is the capacity to meet future obligation from earnings, how could anyone meet those obligations when American Express is blatantly hiding the benefit from the people who deserve better than this, making billions off unknown abandoned property. All redemption options were not made available to me because of all these add-ons and deception. 

Not only did American Express speak by symbol, but they also were hiding all the cash advance information by communicating about the cash advance by phone number only, like on the XXXX agreement. 

I believe this error and misrepresentation started in the application process, and the BY NAME TITLE was not properly established and I believe another entity has placed themselves within a title that belonged to me 1st. 

According to their terms and conditions from their Amex XXXX, American Express has also infringed upon my work of authorship, creating derivate works, and contributions, to which I have received no compensation or benefit as it appears I was employed to do this work-for-hire without even knowing it. 



Upon review I could not locate the NOTICE in XXXX font required for all consumer credit contracts under 16 Cfr 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. I believe this is another violation, and a fraudulent contract. 



I also believe that there were TRANSACTIONS initiated that were not correct, had missing finance charges, and were meant to cause me harm intentionally by sending a damaged good with incorrect balances, and missing terms. If I don't notice the error, no harm, but if I do notice the error, its harm. I find this harm to be intentional, so intentional, American Express has a billing rights section to keep for future use, in case you notice. I'm here to use it. I find American Express National Bank and the seller, American Express Travel Related, liable for intentional improper transactions and payments and for all the loss I received not being able to access essential consumer goods by having earnings hidden from me. American Express made it quite clear that the Rewards Dollar balance shown on your statement did not reflect all of your earnings.