Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : Monday, XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Cc : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Oaks, CA XXXX Cc : American Express National Bank XXXX XXXX XXXX XXXX, XXXX FL XXXX Sunrise, FL XXXX Re : Final Demand for Dismissal Case No. XXXX Account Ending in XXXX -- - Dear XXXXXXXX XXXX XXXX XXXXXXXX, and American Express National Bank : I am writing regarding the above-referenced account and case currently filed in the Superior Court of California , XXXX XXXX XXXX XXXX XXXX Courthouse XXXX XXXX No. XXXX ). I acknowledge receipt of the documentation you provided, including over XXXX pages of statements. These documents do not constitute proper debt validation under federal law ( FDCPA, 15 U.S.C. 1692g ; FCRA, 15 U.S.C. 1681s-2 ; TILA, 15 U.S.C. 1601 et seq. ) or California state law ( Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code 1788 et seq. ). 

Debt Validation : Despite multiple requests, you have failed to : 1. Provide documentation proving legal ownership of the debt.

2. Supply original account statements and signed contracts.

3. Provide a complete and accurate payment history reflecting the claimed balance. 



Sending voluminous statements without proper validation is misleading, unlawful, and insufficient. I have filed CFPB complaints documenting these violations : CFPB Ref # XXXX CFPB Ref # XXXX CFPB Ref # XXXX Settlement Offer : I am prepared to resolve this matter immediately with a lump-sum payment of {$500.00}, contingent upon : 1. Written confirmation that this payment fully satisfies the debt.

2. Written confirmation that all consumer reporting agencies update the account to Paid in Full or Settled in Full.

3. Immediate cessation of all collection activity, including reporting, calls, letters, and litigation. 



This offer is made without admitting liability. Any further collection, reporting, or litigation without proper validation will be treated as a direct violation of federal and state law and will be actionable. 

Court and Legal Notice : I am aware this account is in litigation under Case No. XXXX. You have not properly served me. Any attempt to serve me improperly or continue collection without validation is unlawful and actionable. I demand that you dismiss this case immediately. 

Deadline : Please respond in writing within 30 days ( by XX/XX/year>XXXX  ) : 1. Confirm receipt of this letter.

2. Provide proper debt validation as required by law.

3. Confirm acceptance of the {$500.00} settlement and cessation of all collection activity.

4. Provide written confirmation that the account will be reported as Paid in Full or Settled in Full. 



Failure to respond appropriately will leave me with no choice but to pursue all available legal, regulatory, and enforcement remedies to protect my rights. This includes but is not limited to : CFPB enforcement, FTC complaint filings, California Attorney General action, and potential FDCPA lawsuits for harassment and misrepresentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation