Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX sent a letter stating that I had a loan which I have applied but got denied so i never received any monies associated with this claim. They are threatening and my mental state is not that good because I was just scammed from an online romance scam. A copy is as follows : __________________________________________________ Division of XXXX XXXX XXXX Debt Settlement XXXX XXXX XXXXXXXX Outstanding Balance {$1300.00} Offer In Compromise {$300.00} TODAY % Debt Reduction Scheme 70 % Waiver | % Saved {$1000.00} Case Id : XXXX Dear XXXX XXXX You are hereby notified that XXXX lawsuit has been XXXX XXXX your name and social security for XXXX counts of allegations. 

The charges with XXXX XXXX XXXX, pressed on you are : XXXX ) Violation of Federal Banking Regulation XXXX ) Collateral check fraud XXXX ) Theft by Deception XXXX ) Breach of contract The affidavit states that XXXX XXXX was monitored online or offline using the e-mail address of XXXX to solicit funds which is owned and operated by " XXXX XXXX XXXX '', who owns and operates more than XXXX online websites, XXXX offline XXXX store, web portals and all of the sub lenders. 

Basically all the loan companies working under XXXX XXXX XXXX are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, it doesnt matter from which website or from which store the debtor took out the loan from, the loan main lender/creditor possesses the legal rights to file a complaint and recover the loan outstanding balance in the court house. 

The affidavit states the loan amount was electronically transferred into XXXX XXXX bank account. The debtor 's bank account used in receiving this loan is reported as XXXX XXXX XXXX XXXX XXXX XXXX At the time of repayment, when the creditor attempted to extract the funds back from your bank account, the XXXX was returned as a worthless electronic cheque. So, as of now rather than the creditor chasing you for the outstanding balance, the creditor has simply decided to write this debt as a loss, as well as declare the loan amount to be stolen, followed by pressing charges against you. 

In prior to filing charges, the creditor collection agency " XXXX XXXX XXXX  '' has claimed to deliver a letter of settlement to your address which is registered as XXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX as well made several calls to your registered number XXXX Now the affidavit is taken by FDCPA XXXX that means Fair Debt Collection Practices Act under Section 9 Chapter 19. 

Now this means just XXXX things for you : XXXX. ) If you are on any state supervised probation on payroll, then you will need to XXXX  the XXXX about this case. 
XXXX. ) If you have any prior convictions including but not limited to worthless cheques, XXXX XXXX XXXX XXXX XXXX, please be aware that they shall handle this case as a habitual offense as your state is a XXXX tolerance state. 

This is also to inform you that the creditor has all the rights and authorities to inform your current employer about this case and what will be the results and consequences once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security XXXX more names were used. 

Finally, you have the right to hire an attorney, if you have XXXX or if you can not afford XXXX then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you are found guilty under the bench of jury then you have to bear the court charges as a penalty, and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 

Finally, your name and Social Security Information would be reported to the XXXX XXXX credit bureaus of XXXX such as XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ultimately, it would affect your XXXX scores by XXXX negative points and your social security number would be blacklisted and you would also never be eligible for all the government benefits and entities. 

According to the orders of the court house the XXXX XXXX Department XXXX will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your XXXX XXXX which will make it very difficult for you to get a new job in future. 

Finally, this case is going to be downloaded in your XXXX XXXX XXXX and your Local County Sheriff department on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor. 

You can apply for an Offer In Compromise ( XXXX ) And XXXX Choose Payment Arrangement Options Mentioned Below : i ) You can clear this debt in full by paying {$300.00} TODAY or before XXXXXXXX XXXX XX/XX/year> Deducing XXXX XXXX XXXX ( XXXX XXXX Offer In Compromise to hold the WARRANT ). In this case, you have to send an email to XXXX and request for the necessary payment instructions to clear the debt in full. 

Your loan account number is " XXXX ''. You have to mention your loan account number in the email so that they would be able to identify the debt which is getting cleared. 

ii ) If you do not have the full amount, you can submit the ( XXXX ) Settlement Balance of {$300.00} in XXXX payments biweekly ( {$100.00} x XXXX installments starting from TODAY or before XXXXXXXX XXXX  XX/XX/year>, to hold the WARRANT ). In such a case, send an email to XXXX and register your payment plan. 

Our law firm will be getting in touch with " XXXX XXXX XXXX  '' on XXXX XXXXXX/XX/year> to confirm if you have settled this debt, if the debt has been resolved then the case will be dropped, if they claim they have not heard from you or received any response from you then the charges will be registered in court without any further prior notifications. 



Regards Attorney XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX Debt Settlement | XXXX | XXXX XXXX XXXXXXXX Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C . 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation

Company response to consumer: Closed with explanation