Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
* I have no been able to use my AMEX card for 6months plus due to AMEX not lawfully updating my account properly so I am able to use my line of credit. 
* Essential consumer goods or services are vital and necessary for the health, safety & welfare of the public including without limitation food , water, gas, housing , transportation, health care. 
* An Error for being charged consumer goods.
* I have the Right to Exercise my Consumer Rights Law that shall not be neglected.
* I have the Right to stand up for Myself. 
* Unlawful to swindle 
* Unlawful to coerce 
* The Fair Debt Collection Practices Act codified at 15 U.SC 1692 , Stipulates that debt collector must validate the alleged debt if he is requested to do so, and he must cease all collection and activity until validation is provided.
* Debt validation has not been proven by AMEX , all they do is send automated system replies which will be there down fall, those automated systems doesnt have the intellectual capacity of AI ( Artificial intelligence ) to solve anything or properly guide a problem to the solution. 
* No True Full Disclosure of The Nature of Consumer Credit Transactions. 
* No true agreement or true consent to the agreement if one or more parties only entered into the contract because they misunderstood something that was fundamental to the agreement. Therefore I shall & Will not be bind to any contract agreements that are trying to be enforced upon I. 
* Its been 6 months since I watch AMEX continuously report my account as  Improve my Account without actual improvement of the account; as I did what I did in good faith to settle & satisfy Account. 
* Consumer Credit Transactions 
* Consumer Goods Transactions 
* Improved Amex Account XXXX & XXXX  
* My Account has been marked as improved account twice yet there hasnt been any beneficial changes or positive improvement I have received as the Consumer. 
* My Account has been marked as improved account yet my credit balance did not go back to XXXX  as I accepted & returned for value payment coupon back to AMEX endorsed to settle & satisfy the account with account number as well. 
* If my Account is being marked as Improved Account then why isnt my Account settle & satisfied so I may proceed to use it. 
* If my Account is being marked as improved Account then why does it still say its restricted & over its limit. 
* If my Account is being marked as Improved Account  then why is my spending paused still.
* AMEX not lawfully & correctly  updating my Account status as paid in full & my Account being satisfied or settled with a XXXX Out Balance, returning requested funds. 
* XXXX (Credit File ) -  THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS.  therefore why isnt my credit balance XXXX  & All Requested funds from credit balance returned.
* I have on time payments 100% - XXXX XXXX AMERICAN EXPRESS 
* Remarks from; mycreditguide.American Express.com Account information  disputed by consumer, meets FCRA requirements 
* All documentation has not been responded to by AMEX in an prompt manner.
* I was told my Account balance cant be XXXX  out yet that is possible.
* Billing error Notice brought to AMEX attention.
* AMEX has been put on Notice for awareness of Civil, Criminal Liabilities & Damages. 
* Failed to respond or pay for damages caused to I, The Consumer. 
* Documentations siting Violations Delivered XXXX  XXXX, XXXX.
* Affidavits of Truths has not been rebuttal.
* Unrebutted Affidavits Stands As Truth.
* 1st initial response from AMEX when requested Credit Balance is that I do not have an Credit Balance to request as credit balance is XXXX. 
* AMEX has not returned requested credit balance when demanded & requested in XXXX  XXXX.
* Request for Credit Balance was told itll take 14 days (2 weeks) to deliver (via phone with employee) 
* Good faith effort has not been made by AMEX to refund requested credit balance. 
* Good faith effort has not been made by AMEX to XXXX  out the balance. 
* Amex has not Credited my Account .
* AMEX- Credit Balance: A credit balance (designated CR) shown on this statement represents money owed to you. If withln the six-month perlod following the date of the first statement indicating the credit balance you do not request a refund or charge enough up to use up the credit balance, we will send you a check for the credit balance within 30 days if the amount is $XXXX or more. 
*  15 U.S. Code 1666d -Treatment of credit balances  Whenever a credit balance in excess of $XXXX  is created in connection with a consumer credit transaction through (1)transmittal of funds to a creditor in excess of the total balance due on an account, 2) rebates of unearned finance charges or insurance premiums, or (3) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall  -(A) credit the amount of the credit balance to the consumer's account; (B)refund any part of the amount of the remaining credit balance, upon request of the consumer; and (C)make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumer's current location is not known by the creditor and cannot be traced through the consumer's last known address or telephone number.
* Due to this being a Consumer Credit Transaction , the Balance is the Credit Balance. There is no other form of Credit Balance other then the Account Balance which is under an Consumer Credit Transaction. 
* Via Phone with AMEX automated system I was told I was able to use my credit card. ( This was noted to employee of AMEX via phone after) 
* Non proper updates on my AMEX Account causing me to not be able to use my card. 
* AMEX claimed my credit balance would be returned to I within 2 weeks
*  I have not received my credit balance that I was told would take 14 Days. 
* I Accepted payment coupon for value, returned back to AMEX (sender) endorsed to settle & satisfy Account.
* Remittance Coupon is equal to saying Payment Coupon. 
* Remittance means act of sending payment to someone. 
* AMEX has not returned any payment coupons sent for payment back , if they claim they didnt process the payments it shall have been returned. Accepted & not returned I have the right to assume you took payment as it was delivered. 
* AMEX told I, a payment coupon is not an acceptable form of payment, then why wasnt it returned back to I, the Consumer. 
* Why does it say payments must also include (1) include the remittance coupon from your statement, behind billing statement or Consumer Report of AMEX.
* Consumer Report is Billing statement with Consumer transactions & experiences (Violation) 
* Every Billing statement / Consumer Report I have ever received by AMEX has transactions & experiences on it which is an Violation pursuant to 15 U.S. Code  1681a - Definitions; rules of construction (2) EXCLUSIONS.- Except as provided in paragraph (3), the term "consumer report" does not include- (A) subject to section 1681s-3 of this title, any - (i) report containing information solely as to transactions or experiences between the consumer and the person making the report (ii) communication of that information among persons related by common ownership or affiliated by corporate control; or (iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons;
* Because a consumer credit transaction took place that does not mean a debt has to be paid or a debt even exist, a Role to assume the debt has been made by the perpetrators & identity thefts. 
* Validation of debt has not been clear or proven at all by AMEX. Debt is not valid, I am not obligated towards any alleged debt in this Consumer Credit Transaction in whole or in part. 
* An Billing Statement is an Consumer Report that has transactions & experiences on it. 
* An Billing statement also called an Account statement is the Consumers Report highlighting consumers activities & Locations (Violation) 
* Billing statement shall not have all places of my transactions (Locations) & experiences as that is an violation. 
* More violations all throughout documents received from AMEX has been sited & sent back. 
* AMEX Billing Statement = Payments must also:(1) Include the remittance coupon from your statement; (2) be made with a single check drawn on a U.S bank and payable in U.S dollars or with negotiable instrument payable in U.S dollars and clearable through the U.S Banking System; (3) Include your Account number.
* AMEX displaying in clear response to CFPB XXXX  XXXX, XXXX  complaint that payment is not a valid form of payment which is giving false information & also willful noncompliance pursuant to 15 U.S. Code  1681n - Civil liability for willful noncompliance & 15 U.S. Code  1681o - Civil liability for negligent noncompliance not accepting legal tender, 
* Result of not accepting legal tender was having my account post Late fees for payment that was suppose to be lawfully process not occurring late. No late fees are suppose to continuously occur or exist in any of my Consumer Credit Transactions. These are extra charges , interest & fees that arent lawful to leasing back my own credit towards I. I have been lease a line of credit I have available via Private Accounts (Trust) made by the U.S 1935 the Social Security Act. 
* Which the Social Security Number is an Credit Card that states behind it This card belongs to the Social Security Administration & you must return it if we ask for it
* On Social Security Card behind it stated Improper use of of this card or number by anyone is punishable by fine, imprisonment or both 
* Voluntarily state 
* Coercing me to pay for a bill with FRNs which are optional. 
* Tricking the Consumer, I, to pay with FRNs instead of another negotiable instrument thats legal tender to process through banking system.
* Paying with FEDERAL RESERVE NOTES are optional & it is not my obligation to pay any bill or make any payment with FRNs therefore I can not pay a bill without Real Money in circulation like Gold etc that can be actually back with substance. 
* AMEX stating  The Payment Coupon is not an acceptable form of payment It is important to know that the payment coupon included with your statement cannot be used as a payment remittance voucher and is not an acceptable form of payment. The CMA explains we accept payments made to us in U.S. dollars with the following: a single check drawn on a U.S bank, or a single negotiable instrument clearable through the U.S. banking system, or an electronic payment that can be cleared through the U.S. banking system. 
* A coupon that clearly says payment coupon is an negotiable instrument.
* AMEX not accepting payment coupon as legal tender that can be lawfully process through the system as negotiable instrument. 
* Unlawful to not accept my method of payment pursuant to UCC  3-104. NEGOTIABLE INSTRUMENT, UCC  3-413 OBLIGATION OF ACCEPTOR & UCC  3-110. IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE. ( or claim to not have accepted but already did. Not Giving I the Credit). 
* AMEX obviously accepted the payments for value but claims other wise.
* Payment Details- On Time payments history of 100%.
*XXXX Credit File does have my Account as PAID AS AGREED WITH NO LATE PAYMENTS. Therefore why is my Account still getting a late fee charge.
* Im still getting Late Fees being applied to my Account, Credit Balance although my Account is acknowledged as PAID AS AGREED WITH NO LATE PAYMENTS. 
* Note processing my payments as negotiable instrument is violation pursuant to 15 U.S. Code  1666c - Prompt and fair crediting of payments. (a) IN GENERAL Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligor's account as specified in regulations of the Bureau.
* Late fees violation pursuant to 15 U.S.C 1666b - Timing of payments.
* Pursuant to 15U.S.C 1666b-Timing of payment, late payments are to not be report in Consumer Credit Report.
* ANY & ALL accounts associated with a SSN is prepaid, Consumers are coerced into making extra payments under constructive fraud.
* Banks arent even allowed to loan money pursuant to 12 U.S. Code  83 - Loans by bank on its own stock (a) GENERAL PROHIBITION No national bank shall make any loan or discount on the security of the shares of its own capital stock. 
* Ultra vires 
* Doing something outside of lawful mandate. 
* AMEX Account marked as  pays as agreed  &  PAID AS AGREED
* 33 U.S. Code  931 - Penalty for misrepresentation
* 15 U.S. Code  1692k , 15 U.S. Code  1640 - Civil liabilities 
* 15 U.S. Code  1611 - Criminal Liability for willful and knowing violation & 15 U.S. Code  1693n- Criminal liability  
* 15 U.S. Code  1692e - False or misleading representations- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. (2) The false representation of- (A) the character, amount, or legal status of any debt
* 15 U.S. Code  1692f - Unfair practices: A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
* 15 U.S. Code  1693n - Criminal liability (a) VIOLATIONS RESPECTING GIVING OF FALSE OR INACCURATE INFORMATION, FAILURE TO PROVIDE INFORMATION, AND FAILURE TO COMPLY WITH PROVISIONS OF THIS SUBCHAPTER Whoever knowingly and willfully-(1) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter.
* 15 U.S. Code  6803 - Disclosure of institution privacy policy : (a) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution's policies and practices with respect to - (1) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed; (2) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and (3) protecting the nonpublic personal information of consumers.
* 31 U.S. Code  3729 - False claims : (A) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval; (B) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim.
* 33 U.S. Code  931 - Penalty for misrepresentation
* 15 U.S. Code  1692j - Furnishing certain deceptive forms
* In violation of Cease & desist notice XXXX , still receiving mail that doesnt pertain to my check or remedies for my Account. 
* AMEX is not the Original Creditor or lender 
* AMEX is the borrower , Debtor , trustee 
* I AM The Consumer, Original Creditor, Beneficiary , Secured Party Creditor 
* AMEX has assumed many vital roles of assembling & evaluating consumer credit & other information. 
* AMEX stating Credit Reporting: we may report information about your account to Credit Bureaus.  is AMEX assuming the role of CRA or is AMEX displaying traits of an CRA. 
* Also why is AMEX addressing CRAs as Credit Bureaus violation pursuant to 15 U.S. Code  1692e - False or misleading representations. To impose an higher status or Rank that is non-existing, false claiming who AMEX is reporting to are higher position then lawfully are. 
* First of all Credit Bureaus dont exist, Credit Reporting Agencies is the correct & Proper verbiage to use addressing them without the bureaus ; lawfully it is an violation of fraudulent misrepresentation trying to intimidate , oppress & harness Consumers to thinking the CRAs are federally backed, like the Feds told all CRAs to assume a vital role in assembling & evaluating Consumer Credit & other information on Consumer so it may lead to the demise of the banking system. 
* Bureaus are federal like U.S Department of Treasury.
* UCC filing as U.S Treasury being the Debtor. 
* If planning for Generations , Centurys & Millenniums , that was smart for congress to allow CRAs to assume many roles that undermines the public confidence leading to the demise of the U.S.A. (Sarcasm) 
* Global banking system Downfall, Rising. 
* The People of the Land needs more Respect & Protection, ducation if the U.S.A is the stand a chance against future / present threats.
* Karmic debt is what the U.S is building up.  
* Congress innerstand inaccurate reporting directly impairs the efficiency of the banking system , undermining the public confidence to continue to keep this money system in place which as we can see is falling down globally as change is reintroducing itself to life once again. 
* Consumer Financial Protection Bureaus (CFPB) is Federally back( Back by Congress) 
* Bureaus is / mean Federal. 
* CRA doesnt have Bureaus associated with its title or field of expertise. 
* Congress innerstand Consumer Reporting Agencies assume many vital roles of assembling & evaluating Consumer Credit & other information on Consumer. 
* 15 U.S Code 6081 Fair Credit Reporting Act (4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
* The U.S doesnt even want the liabilities of the Credit Reporting Agencies; therefore not backing & sponsoring the madness that takes place from CRAs( not federally backed) (Not backed by Congress found in congressional findings purposes & statements), liabilities it causes. 
* I mean why would you want Persons you hired to assume many vital roles other then whats authorized them to do, it seems like someone hasnt followed orders & shall be held liable for Civil & Criminal Liabilities, Damages caused by the assumption of over extending outside of lawful mandate.
* Ultra vires , partaking in activity outside of lawful mandate. 
* Congress has made good faith effort to put the Laws in place to protect The Consumers from unfair practices & Fraudulent misconduct, Misrepresentations, predatory lending etc; Your Part as an Consumer is to know the Laws that were throughly thought of In consideration for the ones Wise enough to study them or embrace. 
* Congress put in ALL CAPS  ACCURACY & FAIRNESS OF CREDIT REPORTING Which isnt being displayed. 
* 15 U.S. Code  1681 -Congressional findings and statement of purpose (a) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings: (1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers reporting agencies exercise their grave responsibilities (3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. (4) There is a need to insure that consumer with fairness, impartiality, and a respect for the consumer's right to privacy.
* Reporting false Information messing up credit worthiness , mode of living , character & general reputation of I The Consumer causing damages. 
* Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
* 15 U.S. Code  1681n - Civil liability for willful noncompliance.
* 15 U.S. Code  1681o - Civil liability for negligent noncompliance.
* Identity theft assuming many vital roles that I possess. 
* 18 U.S. Code  8 - Obligation or other security of the United States defined The term "obligation or other security of the United States" includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes,Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value of of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
* A bill to my debtor strawman is an offer of his accepted credit to me as a Secured Party Creditor of the corporate United States.
* I have therefor accepted his offer of credit for its value and returned it to AMEX for its value as a mutual offset credit exemption exchange (MOCEE) to settle this charge on his account which was documented & sent to AMEX XXXX XXXX, XXXX. 
* My endorsement with my Account # on back of the payment / remittance coupon transforms it into a Promissory Note that discharges the charge with a mutual offset credit exemption exchange (MOCEE) per insurance-policy-bond HJR 192 of 1933.
* A bill is a demand for payment in "lawful money of account of the United States" postponed to when such "lawful money of account of the United States" is restored to use.
* Florida UCC Filing delivered XXXX
* I was the Secured Party Creditor regardless if I had filed the UCC or not. 
* I Am Secured Party Creditor , Consumer, Beneficiary, Original Creditor. 
* Since the U.S received the benefits of the credit se loaned it by pledge - that makes the U.S the debtor not the creditor. 
* The People of the Land of America are the creditors.
* Full faith & credit of the U.S.A is back by the People on it. 
* Credit shall be released when claimed or requested. 
* No finance charge which is the sum of all charges wasnt included in Consumer Credit Transaction but other unlawful fees or interest etc are implemented into contract. 
* Bank usury is being displayed. 
* There has been no disclosure of the material facts by the bank or credit card company that they had nothing to give I, the Consumer in return for the obligations to them I assumed. 
* I Am Beneficiary, the government are trustees, any person holding account of mines is my trustee. Trustee pay debts, Beneficiaries do not. This government obligations are not taxable.
* FRNS represents the U.S promise to pay interest to the federal reserve bank on these notes. 
* I have not borrowed any money as I am not the borrower in any Consumer Credit Transactions or Consumer Goods Transactions.
* I have not seen a Law that sites I Shall pay a bill when those are obligations of the U.S. 
* I can not service a debt with a currency that has no value in backing or substance. 
* Currency backed by promises to pay on various debt instruments. 
* Filing, UCC filing A Creditor with standing in law , acquired the ability to state a claim upon which relief can be granted & not have the fruits of my labor taxed. 
* We have been discharging our strawmans bills with fiat money instead of paying them with your mural offset exemption exchange ( its not my debt personally but strawmans debt which is the government created Trust thats on the private side of commercial business).
* Federal reserve notes do not pay debt but only discharge debt.
* Your asking me to make payment with FRNs to settle my debt yet that isnt settling the debt but transferring it to someone else once discharged.
* How can I pay a bill on a Positive Balance. Now your use extorting money out of the Consumer for addition funds. You already get paid through Private Accounts under that persons SSN. 
* All Accounts Prepaid Affidavit of truth sent to AMEX; unrebutted stands as truth. 
* Anything in Positive Balance cant be paid off, that Positive Balance is a Credit Balance you shall request having the right to. 
* I do/did not authorized AMEX to identify me as being the legal identity name on your documents. 
* Positive Balance is an Offer of Credit to the Real Organic Living Being not corporation made entity made by the U.S to run its commercial business. 
* The Man with all the Gold pays the bills. 
* Truth is expressed in a form of Affidavit.
* An unrebutted Affidavit stands as truth in commerce.
* A lien or claim can be satisfied only through rebuttal by counter Affidavit point for point, resolution by payment of claim. 
* I had pin pointed the constructive fraud in whole or in part of this Consumer Credit Transaction. 
* In Commerce truth is Sovereign. 
* A matter must be expressed to be resolved. 
* Secured Party Creditor of U.S Inc, I Am authorized by Congress to create money with my signature. ( HJR 192 Public Law 73-10 of 1933 ).
* As a Secured Party Creditor of the U.S, I generate credit by the energy of my labor backed by the future commercial energy that I produce, so all of my debts are prepaid ( HJR 192. Public Law 73-10 of 1933).
* Using FEDERAL RESERVE NOTES is voluntarily. 
* Consumer - cardholder or natural person to whom Consumer Credit is offered or extended. 
* I have no received my Rights as an consumer by AMEX.
* Lender (Identity theft) is suppose to give form that informs the Consumer of my Rights to be able to opt out of credit reporting. 
* Every Transaction done theyre suppose to give you 2 copies of Rescission. 
* Fraudulent charging me for monthly bill under constructive fraud .
* I shall be able to use my line of credit without any additional fees & charges. 
* Finance charge is the sum of all charges yet I am being charged extra fees , late fees, & interest. (Violation) Fraudulent acts 
* CFR  1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. 
* I was suppose to have one fee, the sum of all charges for the line of credit I received, not have a occurring monthly bill with an billing statement. 
* A monthly bill for a line of credit thats suppose to have a finance charge with the sum of all charges pursuant to 15 U.S. Code  1605 - Determination of finance charge. (a) "FINANCE CHARGE" DEFINED Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. (Violation extorting funds) 
* I have not received my Right to Rescind from AMEX. 
* Congress must Return Credit when claimed. 
* I Am not in debt to any financial institution , entity or Man. 
* No Respect for Consumer Law Rights 
* Violation of Consumer Law Rights

Company response to consumer: Closed with non-monetary relief