Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Via Certified Mail and Email Case # # XXXX XXXX XXXX XXXX XXXX XXXX Consultant XXXX XXXX XXXX Sales American Express XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX : FINAL DEMAND FOR IMMEDIATE ACTION REGARDING XXXX | AMERICAN EXPRESS XXXX XXXX VIOLATIONS, CASE # XXXX Dear XXXX XXXX, XXXX hope this correspondence finds you well. 

Please see XXXX Attachments This letter serves as a Final and Unequivocal Demand for the immediate resolution of the egregious mishandling of my business line of credit account, documented under Case # XXXX. As of today, it has been 219 days, or XXXX months, since you personally submitted a formal complaint on my behalf and provided me with this case number. 

As a loyal customer of American Express for over 30 years, my relationship with this company has been XXXX of deep trust. That trust has been systematically dismantled by a stunning display of corporate indifference and a complete and utter vacuum of communication that has lasted for over XXXX months-No More!! 

A formal complaint, a dedicated case number, and an email from you XXXX now stand as proof of your organizations failure to have any credible process for resolving a documented violations and grievances addressed in a timely manner. 

The documented chronology of events, from the initial approval of my XXXX loan on XX/XX/XXXX, to the abrupt and unexplained account closure on XX/XX/XXXX, demonstrates a pattern of unlawful conduct. Your employer 's inaction is not merely a customer service failure ; it is a violation of federal and state laws designed to protect businesses from deceptive practices. 

American Express 's actions and omissions are in violation of, but not limited to, the following statutes : Federal Statutes : * Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX, XXXX : This act prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ). The complete non-response to a formally filed complaint, particularly in the context of business lending, is a textbook example of a deceptive and unfair practice. 

* Federal Trade Commission XXXX ( XXXX ), XXXX XXXX. XXXX : This act prohibits unfair methods of competition and unfair or deceptive acts or practices in commerce. Your company 's conduct falls squarely within the scope of these prohibitions. 

Florida Statutes : * Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX et seq. : This statute prohibits " unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce. '' The complete lack of communication and resolution on a documented case for over XXXX months is a clear violation of this law. 

The complete failure of American Express 's oversight of the XXXX platform is directly responsible for the financial and operational chaos I have endured. It is clear that this division operated with flawed underwriting and without any clear disclosure of standard operating procedures, creating a convoluted and disorganized mess at the expense of credit worthy borrowers like myself. This systemic failure has led directly to the degradation of my credit rating and significant damages to my business. 

Therefore, to rectify the extensive harm caused by your employer 's negligence and deceptive practices, I am demanding the following : * XXXX and Full Account Correction : A complete and documented correction of all inaccuracies on my credit report related to this specific business lending account. 

* XXXX XXXX : A monetary payment of {$5500.00} to compensate for the direct financial damages, including lost operations, missed business opportunities, and the significant degradation of my credit rating, all of which are a direct result of the XXXX XXXX American Express business lending failures. 

I am holding American Express, and its failed XXXX subsidiary, fully accountable. Your companys decision to dissolve the XXXX brand does not absolve American Express XXXX XXXX of the financial and legal responsibilities to its victims. The time for excuses and delays has long passed. 

Consider this your final opportunity to Favorably Resolve this issue at once. I demand a substantive response and a concrete plan of action within XXXX calendar days of the date of this letter no later than XX/XX/XXXX by XXXX est. 

If I do not receive a satisfactory resolution within this timeframe, I will immediately file formal grievances and initiate comprehensive investigations with every single regulatory agency that oversees business lending in XXXX XXXX, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida XXXX XXXX XXXX XXXX. 

Furthermore, I will launch a campaign to publicly document and expose American Express | XXXX XXXX XXXX negligent and potentially fraudulent business practices on all available public forums and media platforms. 

This is a statement of intent. I expect you to ensure this letter reaches the appropriate individuals who have the authority to act XXXX months later, as I will be holding you personally accountable for ensuring this matter is no longer ignored after 219 days / XXXX months and escalating with out acceptable acknowledgment or remediation. 

Thank you Sincerely, XXXX Sustainable Strategies LLc * Copy of email from XXXX XXXX ( Dated XX/XX/XXXX ) * Detailed chronology of events * All previous correspondence and documentation Re : American Express XXXX XXXX | Time Sensitive | Case # # XXXX issued by you 219 days XXXX months ago with No Resolution No Response!! | Sent XXXX At XXXX XXXX est. 


The Email, communication, Telegram, WhatsApp or like platform online record and or Text is Priviledged information covered by the Federal Electronic Communications Privacy Act, XXXX XXXX. XXXX and is legally privileged. This Email and or text message is for the sole use of the intended recipient and XXXX contain highly confidential or privileged information. You agree that All measures to protect client-sensitive information and confidentiality apply. Any unauthorized copying, review, use, misappropriation, conveyances to anyone not party to this communication will violate the XXXX Communications Privacy Act, XXXX XXXX. XXXX Further, The contained information is additionally privileged and protected under The Health Insurance Portability and Accountability Act of XXXX ( XXXX ; XXXX. XXXX, XXXX XXXX. XXXX On Tue, XX/XX/XXXX, XXXX PM XXXX XXXX XXXX XXXX wrote : Hi XXXX, XXXX you for your time today. As we discussed, I submitted a formal complaint on your behalf. Keep this case # XXXX for your records. Dont hesitate to call back if you have any questions. 


All the best, XXXX XXXX | XXXX consultant XXXX XXXX XXXX sales American Express XXXX XXXX XXXX XXXX | XXXX, AZ XXXX XXXX : XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief