Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
XX/XX/year> I served AMERICAN EXPRESS NATIONAL BANK by certified mail a Notice of Dispute and sworn Affidavit of truth with XXXX points. Within this, I requested that they VALIDATE the alleged debt of XXXX credit cards. I gave them XXXX  days to respond point for point with their rebuttal with a sworn affidavit ( as is required by law to establish or rebut a fact ) or their silence would mean they agree to all XXXX of my points. The ONLY way ANY debt can be validated is by producing the instrument ; the alleged SIGNED agreement bearing my signature. No such instrument exists, so they did not provide it and have no right under the FDCPA 15 USC section 1692 to assess any charges, payments, fees, interest, etc ... which they have by sending billing statements and threatening to damage my credit, which they have, and threatening to involve a third party debt collector, which they have and are now suing me. All of this is a violation of my rights, a blatant ignoring of contract law and my lawful due process, not to mention emotional and mental anguish over the destruction of my good name AND ... mail fraud. 

They did send a few letters without any answers to my requested information, all were unsigned and not sworn to under penalty of perjury as is required by law. In at least XXXX letter they blatantly said if I didn't pay they'd report it as delinquent. They can't do this once the dispute process has been started. 

When the XXXX  days was up, I sent them a notarized Notice of Fault with Opportunity to Cure by sending me a check in the amount of {$7600.00} for fraudulently collected payments plus XXXX XXXX interest. Interest of XXXX XXXX each month they didn't pay. It's been a year, and no payments. I instructed them to report to all agencies that the alleged debt was either zeroed out and paid in full or removed altogether. They did not, and they did not respond with anything of lawful substance. Just monthly bills. 

After another XXXX  days, I sent them a notarized Notice of Fault with Opportunity to Cure with another generous XXXX  days to respond. No appropriate response from them. 

On XX/XX/year> I responded to letters from a third party debt collector on behalf of AMEX ... demanding payment for a debt AMEX could not validate. Now they are suing me. You can bet that a complaint about them is coming. 

As a consumer, I'm tired of being abused by AMERICAN EXPRESS NATIONAL BANK. I've taken every step necessary to exercise my rights as a consumer, yet they continue to harass me with lawsuits, and malign my good name within the credit bureaus. I demand not only relief, but just compensation of wrongfully collected payments, penalties for all violations against me, and for any other damages due to the extent lawfully permitted... AND, immediate reporting to all credit bureaus that either the alleged debt is paid in full or removed... AND that AMEX drop all lawsuits against me.

Company response to consumer: Closed with explanation