Consumer complaint received 2026-03-09 00:00:00
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
State: FL

Complaint narrative:
Subject : Formal Dispute, Demand for Debt Validation, and Notice of Settlement Executed Under Duress Re : Alleged American Express Account / Case Reference ( if applicable ) XX/XX/2026 Dear XXXX XXXX, I am in receipt of your recent correspondence regarding the alleged debt you claim is owed to American Express and the purported settlement agreement referenced in your letter. This correspondence shall serve as my formal dispute of the alleged debt, a demand for full validation, and notice that any alleged settlement agreement was executed under duress and therefore is disputed and unenforceable. First, please be advised that I dispute the validity, amount, and enforceability of this alleged debt in its entirety. Under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX et seq. ), specifically XXXX U.S.C. XXXX, I am exercising my right to request proper validation of the alleged debt, not merely verification. Your letter fails to provide the documentation required under federal consumer protection laws. Therefore, you must provide the following documentation before any further collection activity may lawfully continue : A complete copy of the original signed contract or cardholder agreement bearing my signature that created the alleged obligation with American Express. A full accounting and itemized statement showing how the alleged balance was calculated, including all interest, fees, and adjustments. Proof of your firms legal authority to collect on behalf of American Express, including a copy of the agreement granting your office collection authority. Proof of ownership or assignment of the alleged debt, including the chain of title from the original creditor to the current party claiming the right to collect. Documentation demonstrating that the alleged amount is accurate and legally enforceable, including complete account statements from the accounts inception. Furthermore, I must formally place you on notice that any alleged settlement agreement referenced in your letter was executed under duress. At the time the document was presented to me, I was under significant pressure and faced immediate legal threats, leaving me with no meaningful opportunity to review the document, seek legal counsel, or negotiate the terms fairly. Contracts or agreements entered into under coercion, pressure, or intimidation lack the voluntary consent required for enforceability under basic contract law principles. Therefore, I do not concede that the alleged settlement agreement is valid or enforceable. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure that any information furnished to credit reporting agencies is complete, accurate, and fully verified. Reporting an unvalidated or disputed debt may constitute inaccurate credit reporting. Accordingly : If this account is being reported to any credit reporting agencies, it must be marked as Disputed by XXXX. If you are unable to provide the documentation requested above, you must immediately cease all collection activity and notify any credit reporting agencies to delete the account from my credit file. Please also be advised that continuing collection efforts without providing proper validation may constitute violations of the Fair Debt Collection Practices Act, including but not limited to XXXX U.S.C. XXXX and XXXX, which prohibit deceptive, misleading, or unfair collection practices. If your office fails to comply with these statutory requirements, I will not hesitate to pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Florida Office of the Attorney General, as well as pursuing any civil remedies available under federal and state law. Until you provide the complete validation requested, you are instructed to cease all collection activity regarding this matter. I request that all future correspondence regarding this dispute be made in writing only. Sincerely,

Company response to consumer: Closed with non-monetary relief