Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing another complaint on American Express and American Express National bank... For : Improper account handling, Wrongful collection attempts, and Filing multiple suits on related debts. American Express illegally served me papers, or no, they never served me at all legally... I never put my hands on the paper work from the process server they hired to deliver it, and delivered it to the wrong address displaying sensitive material about myself and violated my privacy. Therefore, the process server " return of citation '' was signed illegally because it was never handed to me, my family, or anyone at my house, which she had an opportunity to, and refused. If you notice in my paperwork, I made payments to them just like it stated on my bill every month with the minimum payment being satisfied, and yet they still sent me suit papers. They then tried to coerce me into payment arrangements, which I was scared and agreed, and begun making payments to them. After doing research on how process servers are supposed to serve, Amex and Amex National Bank violated numerous things : Under XXXX  Rule of Civil Procedure 106, service of process must be done properly : Either personally to you, or Substitute service ( like leaving it with someone at your home ) only if authorized by a judges order Please site : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) improper service means the court never obtained jurisdiction over you. 

Also : Leaving legal documents showing your name, debt, and lawsuit details in public view violates : FDCPA ( 15 U.S.C. 1692c ( b ) ) prohibits disclosure of debt to any third party. 

XXXX Debt Collection Act  ( XXXX. Fin. Code 392.304 ) prohibits use of deceptive or abusive methods, including revealing private information. 

I also can't even report the process server to the right place, because I don't know her name or info.

Amex and Amex National Bank has gaslighted me and the CFPB by not answering the direct things stated in this portal, please let that be known. They also said to send them info on the process server and how she handled my suit, which I did, they said they would investigate it further and never did. They also stated today that their position didn't change at all on the lawsuit. Please let it be knows that these tactics violates : Unauthorized Third-Party Disclosure 15 U.S.C. 1692c ( b ) Its an FDCPA violation for a creditor or anyone collecting a debt to disclose information about that debt to anyone other than you, your attorney, or the court. 
Leaving my lawsuit papers on a neighbors porch, in a clear plastic sleeve showing your name, account, and balance, is a direct disclosure of a debt to a third party.... 

False or Misleading Representations 1692e ( 2 ) ( A ) and TDCA 392.304 ( a ) ( 8 ) If AmEx sued while payments were being made, or claimed you defaulted on an unsigned agreement, thats a false representation of the character or amount of the debt. 
Likewise, alleging default while you were paying is deceptive under both statutes. 

Harassment or Abuse 1692d Repeated collection actions, threats of litigation, or using improper service tactics to embarrass or intimidate you qualify as harassment.

Invasion of Privacy XXXX Common Law XXXX  recognizes an independent tort for public disclosure of private facts. 
See XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). 
Leaving debt papers visible to a neighborparticularly one in marketingfits the public exposure element. 

American Express National Bank, by and through its agents, violated 15 U.S.C. 1692c ( b ), 1692d, and 1692e, as well as XXXX. Fin. Code 392.302 and 392.304, by disclosing debt information to third parties, misrepresenting the character and amount of the debt, and employing harassing and deceptive collection tactics Let it be known to the federal govt that these tactics they used will not be tolerated

Company response to consumer: Closed with explanation