Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

I submitted a complaint not too long ago, perhaps 2 weeks back, requesting that Amex never contact me again and make sure my account is settled. In other words, the only solution I requested for the nightmare these people have put me through these past few months is that they leave me alone ( and I could sue the ever living XXXX  out of you and your company ). And I made it clear that I would be willing to move on and not sue if they agreed to the terms of my resolution. Since then, not only have they NOT settled my account, they have sent the balance to debt collectors, who have been calling and leaving threatening messages on a daily basis. 

I. Am. Done. Please see the attached document. Do not XXXX with me. My place in academia affords me access to many databases, including several databases with information on Amex 's corporate structure, detailed bios on your executives, every lawsuit ever filed by and/or against American Express, and much more. I am familiar with case law precedents such as those set in in Biskind et al v. American Express Company et al in, as well as the precedents set in other landmark cases and lawsuits, such as those levied by Amex in the mid-XXXX governing bankruptcy law ( i.e. Pozucek, 73 B.R. 110, XXXX Bankr. LEXIS 613 ( United States Bankruptcy Court for the Northern District of Illinois, Eastern Division. Verdict Delivered : XX/XX/XXXX ). 

I have been telling you all this entire time that I have already won, and I have. However, instead of driving your company into the ground as far as humanly possible, which would do nothing but waste time and resources during a time when society desperately needs those things allocated elsewhere ( to positive endeavors ), I am trying to devote my energy to more wholesome/constructive endeavors, particularly the philanthropic contribution I am pursuing with XXXX XXXX XXXX the endeavor you and your company had the opportunity to participate in - many opportunities ) ; and, you, American Express, are being a nuisance. 

This is the last time I am going to write in. I am only contacting you before the end of the stated time period, because, I noticed a drastic change in behavior, in that debt collectors started calling and harassing me on your behalf, since I wrote in to the CFPB last and let you all know how I wish to end this ordeal. This is unacceptable. Haven't you done enough? You know, I chose ( and am choosing - as of now ) not to sue because of the words of my uncle, a very wise man : " If you do sue them, you know that they'll drag you through XXXX, right? Wouldn't you rather put your energy into something constructive? '' And it was with that advice that I decided to write in ( the last time I wrote ) and request the solution that I did. 

And since then, you have treated my kindness ( and willingness to back down ) as though it is weakness ; and, make no mistake, at this point, I am pretty much convinced that you all have already dragged and are actively dragging me through XXXX with everything you have put me through these past few months. And now, after I am trying to heal and move on, you continue to harass me? I am not just arguing that you're dragging me through XXXX : I am stating that affirmatively, as a fact, you have and are continuing to do so. At this point, I am still willing to let bygones be bygones ; however, I expect the resolution I requested in my last complaint to be implemented immediately, including the amended payment return request and membership fee refund request included ( as a new provision ) in this request. 

I also checked my credit ( given the debt collector calls ), and it is not yet fixed ( it is still at a XXXX ). I expect you to fix this immediately. And when I say immediately, I mean that if I do not see everything back to normal and the requested payments, membership fees, etc. back in my account within 7-10 BUSINESS DAYS, the next person you will hear from is my attorney with a dossier on how I plan to sue you due to your fundamental failure to comply with your contractual obligations in this and other senses ( and how this constitutes an anticipatory repudiation of the terms of the contractual agreement ( to which we are both subject ), including the arbitration and debt collection provisions and/or any rights they ( Amex ) may ( think they ) have regarding recovering capital once owed ). 


I made it clear that I will not be paying them anything, and I also ordered a chargeback on the payments they illegally took from me back in XXXX. In addition, since I am being forced to spend more time on this issue, I am requesting a refund on my annual membership fee paid back in XXXX ( I think ), and I would also like every payment I have made since the beginning of XXXX refunded to my checking account.