Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint against American Express. I have sent several registered securities that American Express has not only refused to process, refused to authenticate a response for the dishonored payment and refused to return the instruments and has kept my registered securities. I have given specific instructions with the instruments and have requested for a response via letter, email or phone call. All I have received are computer generated responses claiming the instrument is invalid with no other explanation, point of contact or authentication. 

Here are the tracking numbers : RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RE XXXX XXXX XXXX US, RF XXXX XXXX XXXX US, RF XXXX XXXX XXXX XXXX. 

I called XXXX XX/XX/XXXX, at XXXX and spoke with customer assistance operator XXXX XXXX who was unable to answer my questions, so he then transferred me to his supervisor XXXX XXXX who also was unable to do anything but parrot the cardmember agreement. She then transferred me to her manager XXXX who also was unable to address my concerns. He suggested I write a letter to American Express to address the issues I have raised. 
On XX/XX/XXXX, letters were mailed to the following American Express Corporate Representatives ; Transferor, Trustee and Servicer. 
XXXX XXXX XXXX XXXX  and XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Legal Officer Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex Receivables Financing Corp III LLC - XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX Related XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I have yet to receive a response to my letter, not XXXX single representative of American Express will respond. Not even their XXXX XXXX XXXX. 

I find it very alarming that American Express will not respond and that their supervisors and managers are completely unaware of the existence of the XXXX ( Uniform Commercial Code ) or any of the Acts of XXXX. 

The Uniform Commercial Code ( UCC ) is a standardized set of regulations governing commercial transactions and financial dealings in the United States, and EVERY SINGLE business operating in commerce must follow these processes. It is becoming clear that American Express along with its XXXX, XXXX and XXXX only follows some of the regulations set forth by the XXXX for their own financial gains and is non-compliant with others. 

See, XXXX XXXX Negotiable Instruments and XXXX XXXX XXXX of payment Several Negotiable Instruments in the form of Registered Securities have been mailed and delivered via XXXX ( United States Postal Service XXXX XXXX American Express as proper XXXX XXXX American Express has continually refused to perform its fiduciary duty and refused to tender the payment with no other explanation besides this generic response : We recently received an American Express payment coupon which appears to have been modified to be used as a payment instrument. We can not honor a payment coupon as form of payment for the above referenced account. In order to submit a valid payment, it must be sent by XXXX of the accepted forms of payments to us as stated in your XXXX XXXX XXXX or the back of your statement regarding payment methods. No name or contact information as to whom made this decision. 
On the back of the statement. Payments must also : ( XXXX ) Include the remittance coupon from your statement : ( XXXX ) be made with a single check drawn on a XXXX Bank and payable in XXXX dollars OR with a NEGOTIABLE INSTRUMENT payable in XXXX dollars and clearable through the XXXX Banking system. 
Remit means : Send back On the Cardmember Agreement, under ( How to make a payment ) A single Negotiable Instrument clearable through the XXXX Banking system, for example a money order or an electronic payment that can clear through the XXXX Banking system. 
All Negotiable Instruments are clearable through the XXXX Banking system. It is what took the place of gold and silver. Federal Reserve XXXX, or ( FRNs ), are negotiable instruments. So are Notes, Bills of XXXX, drafts, etc. Except FRNs are promises to pay and do not actually pay anything, but it compounds the national debt. The National debt is in the trillions and using Federal Reserve XXXX as payment is like writing a check with an overdrawn account, and according to Trading with the XXXX Act only the Board of Governors are to be using FRNs. The population is to discharge the debt via negotiable instruments. 
I now realize I have been operating in dishonor by using Federal Reserve XXXX as payment instead of discharging the debt. I am now attempting to operate in honor and American Express can not demand only FRNs as the only payment to keep me in dishonor per XXXX - Debt Discharge : The resolution prohibits payment of debt and substitutes a discharge of obligation, bypassing the absolute prohibition engineered into the Constitution If the Negotiable Instruments are not valid, then why is no one taking responsibility and authenticating the response letter? Is no one at American Express or its Trustee confident enough on this matter to send an authenticated response as to why these instruments have been deemed invalid and payment dishonored? 

XXXX XXXX ( XXXX ) " Authenticate '' means : to sign The United States XXXX Article XXXX Section XXXX states that No state shall make anything but gold and silver coin a tender in payment of debts. 
As that method of payment was taken away in XXXX with the enactment of The XXXX Banking XXXX, it was then replaced with, and only with, Negotiable XXXX. 
Here are the Acts and Codes that govern these transactions and a few others that also apply. 
Bills of Exchange Act of XXXX ( one can only pay a bill with interest ) Federal Reserve XXXX ( section XXXX part XXXX ) House XXXX XXXX ( XXXX XXXX ) - Suspended the gold standard Securities XXXX of XXXX Securities Exchange Act of XXXX TRUST Indenture Act of XXXX Investment Company Act of XXXX Electronic Fund Transfer Act of XXXX Trading with the XXXX Act XXXX XXXX Construction of UCC UCC XXXX XXXX UCC XXXX ( XXXX XXXX Agreements UCC XXXX Negotiable instruments UCC XXXX XXXX a ) Special Indorsement UCC XXXX Notice of Breach of Fiduciary Duty UCC XXXX XXXX of Instrument : Rights Acquired by Transfer UCC XXXX XXXX of Draft UCC XXXX Instrument signed for Accommodation XXXX XXXX XXXX XXXX or other Security XXXX XXXX United States XXXX XXXX XXXX ( a ) ( b XXXX ( c ) ( d ) ( XXXX XXXX Civil XXXX Penalty XXXX XXXX XXXX Issuance to Reserve Banks ; Nature of Obligation ; Redemption. 
XXXX XXXX XXXX Powers and duties of banks ( pay interest ) XXXX XXXX XXXX ( XXXX ) ( B ) Definitions XXXX XXXX XXXX Misappropriation XXXX XXXX XXXX & ( XXXX ) Forms of Endorsement XXXX XXXX part XXXX, XXXX and XXXX. Fraud Florida Statutes ( Chapter XXXX, Section XXXX ) I cant seem to get anyone at American Express on the phone that has the data, knowledge or confidence to respond regarding this matter. Is American Express exempt from the legislation referenced above? 
Is American Express attempting to entice me into XXXX by demanding FRNs as the only payment? 
XXXX XXXX XXXX XXXX : Makes it illegal to hold someone in peonage, or debt servitude, by using force, threats, or legal coercion. It also prohibits obstructing the enforcement of this law. 
XXXX XXXX XXXX XXXX : Abolishes peonage and declares null and void any laws that establish or enforce it. 
XXXX XXXX XXXX XXXX : Prohibits financially benefiting from peonage or slavery. 
A tender of payment has been submitted to and received by American Express. 
XXXX XXXX Tender of Payment UCC XXXX XXXX by Cancellation or Renunciation Full disclosure was not made as to what American Express is doing XXXX XXXX original promissory note ( via my application ) as the original collateral security. I came to American Express with Consideration and have not received anything from American Express. I know what American Express is doing with the commercial paper ( obligations ) and the secondary market. I am aware that every single transaction ( purchase ) I make, creates another negotiable instrument with a blank indorsement. This lack of transparency makes any contract or agreement fraudulent. 
I have a few questions to ask. 
XXXX. Is there a Principal Balance? 
XXXX Who is the Principal Balance owed to? 
XXXX. Is American Express XXXX XXXX or the XXXX? 
XXXX Who is the XXXX? 
XXXX on a response to these questions from American Express.

Company response to consumer: Closed with explanation