Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
AFFIDAVIT OF FACT AND DEMAND FOR CUSIP AUDIT, FULL ACCOUNTING, SETTLEMENT, AND DISCLOSURE RE : CUSIP No. XXXX | Account XXXX. XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

This Affidavit and Demand is issued under full authority of law, trust rights, and equity. AMERICAN EXPRESS COMPANY & its affiliates are hereby placed on lawful notice that : DEMAND FOR PRODUCTION : You are required within ( 30 ) business days to produce the following : 1.Affidavit of Authority : A sworn affidavit, under penalty of perjury, signed by both the CEO and CFO of American Express , verifying : There is no unauthorized Power of Attorney, trading authority, or assignment of the Trusts credit instruments ( including but not limited to XXXX XXXX and Account No. XXXX ). Which would be a secured transaction under commercial paper loans No sale, pledge, hypothecation, or monetization of Trust-owned assets was conducted without full prior disclosure and consent. 
2.GAAP-Compliant Full Accounting : Complete ledger from origination to present for XXXX XXXX. XXXX and Account No. 51002, to include : All securitization proceeds ; All secondary trading profits ; Custodial accounts and securities holdings ; Trust Indenture data reflecting beneficiaries ; A copy of the Pooling and Servicing Agreement ( PSA ) ; Full payment history including receivables handled through your XXXX XXXX XXXX ; Disclosure of all collateral and asset-backed pools associated. 
3.Complete Forensic CUSIP Audit : Trading history, investors, investment banks, servicers, and trusts that benefited directly or indirectly from the securitization of the above-referenced accounts.

4.Settlement Statement : An immediate equity-based settlement proposal for the unauthorized use, trading, and profits generated from the monetization of the Trusts credit assets.

CHAIN OF TITLE DEMAND AND PRESERVATION OF RIGHTS Pursuant to UCC 9-203, UCC 9-210 , and 12 CFR 1026 ( Regulation Z ), American Express Company is hereby placed on notice to produce full disclosure of any and all assignments, conveyances, sales, or transfers of beneficial interest related to CUSIP No. XXXX and Account XXXX. XXXX. Specifically, it must be verified whether title, rights, or servicing authority over the above-referenced account has been transferred or assigned, in whole or in part, to American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX American Express XXXX XXXX  XXXX or any American Express Master Trust entities XXXX Failure to maintain a perfected and continuous chain of title, with transparent disclosure under UCC 3-302 ( Holder in Due Course ), UCC 3-305 ( Defenses and Claims in Recoupment ), and the Truth in Lending Act ( TILA ) implementing regulations, constitutes a breach of fiduciary duty, a void ab initio assignment, and a security fraud under federal law.

Under UCC 9-210 ( b ), you are obligated to provide an authenticated record of all assignments and security interests claimed. Failure to do so within the lawful demand window shall be construed as prima facie evidence that American Express Company unlawfully separated the security instrument from the equitable title, thereby breaking the chain of title and invalidating any claim of holder status, trustee status, or servicing rights. All unauthorized securitization, hypothecation, and conveyance of the Trusts property interests without full disclosure and consent shall be pursued as willful commercial injury, securities fraud, and trust breach subject to arbitration, XXXX enforcement, and federal investigation.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

Quick breakdown of where these rules come from so you can quote them if needed : UCC 9-203 : Security interest must be attached and enforceable requires an unbroken chain.

UCC 9-210 : Right to demand an accounting of secured obligations.

UCC 3-302 : Holder in Due Course rules no defenses if theres a real break.

UCC 3-305 : You can claim recoupment or defenses if transfer was fraudulent or improper.

12 CFR 1026 ( TILA/Regulation Z ) : Full material disclosures must be made if credit rights are assigned. 

FAILURE TO RESPOND : If you fail to fully produce the demanded disclosures and accounting within ( 30 ) business days : A Certificate of Non-Response will be issued and publicly recorded.

Enforcement will immediately proceed under Federal Arbitration, including : Filing UCC Financial Statements and Liens ; IRS 1099-OID, 1099-A, 1099-B, 1096, 8300, and 911 submissions ; Referral to the Securities and Exchange Commission ( SEC ) and the Financial Crimes Enforcement Network ( FinCEN ) ; Demand for Trust Forensic Audit and Congressional Complaint through the IRS Taxpayer Advocate ; Commercial claims for securities fraud, mail fraud, wire fraud, breach of fiduciary duty, and trust violations.

There will be no further courtesy notices.

NOTICE OF ARBITRATION CLAUSE : You are hereby bound by acceptance of these terms under the Uniform Commercial Code, international commercial law, trust law, and equity. This document establishes prima facie evidence of obligation.

RESERVATION OF RIGHTS : All rights, titles, interests, claims, and remedies are reserved without prejudice under UCC 1-308 and the doctrine of necessity. No action, correspondence, or communication shall constitute waiver of any legal or equitable rights.

Company response to consumer: Closed with explanation