Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
CHANGE TO ORIGINAL CONTRACT ALL RIGHTS RESERVED WITHOUT RECOURSE UCC1-308. PLEASE USE THIS LETTER AS CONFIRMATION THAT I AM PRESENTING TO YOU A FORMAL COMPLAINT AGAINT AMERICAN EXPRESS IN WHICH SUBSTANCIAL INJURY TO ME EMOTIONALLY AND MENTALLY TO MY BUSINESS HAS INTERRUPTED COMMERCE FOR ME TO GROW MY BUSINESS. I AM THE CREDITOR WHICH GAVE PRUDENCE TO THIS ACCOUNT EXTENDING MY OPEN-ENDED CONSUMER CREDIT. LISTED BELOW ARE THE FOLLOWING VIOLATIONS. 
XXXX complaint ( abruptly closed my account without written or verbal permission OR NOTIFICATION ) ) After my account was approved and opened my business XXXX XXXX XXXX was abruptly or accidently ( according to AMERICAN EXPRESS ) ) closed because they indicated I requested it be closed, which was not true. I spoke with an agent, and they indicated they would listen to the recording to validate I did not give written permission or authorization verbally to close the account. When they returned with the outcome of the investigation, they indicated that they would consider re-opening the account after some payments have been established with my other new accounts, I had with them. After that was successfully done, I called them back and asked them about my previously approved account that was closed if it can be re-opened ( XXXX XXXX XXXX  ) they just replied not at this time. They received an application for this security as my autograph was the surety and have received compensation and gave me the consumer, the real creditor, nothing but smoking mirrors. I am beyond mental and emotionally upset this was done as my business was set up for growth in XXXX and I lost time back and forth on the phone with them with no resolution. They have certainly violated the TILA now the DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2012 and 15 USC 1637 . Violation 1031 ( a ) and 1036 ( b ) ( 1 ) ( b ) of CFPA An act of practice is unfair when it causes or is likely to cause substantial injury to a consumer which can not be reasonably avoided. 15 USC 1681 ( D ) ( 6 ) A DENIAL OR REVOCATION OF CREDIT, A CHANGE IN THE TERMS OF AN EXISTING CREDIT ARRANGEMENT, OR A REFUSAL TO GRANT CREDIT IN SUBSTANCIALLY the amount or on substantially the terms requested, shall be disclosed to consumers within thirty days ( 30 ) prior to making changes in accordance WITH THE CFPA.

XXXX complaint violation of open-ended credit terms changing from month2month.

IN ACCORDANCE WITH THE FDIC LAWS AND REGULATIONS, I ASSERT THERE HAS BEEN A VIOLATION OF TILA, ECOA, CCPA, FCRA VIOLATION 15 USC 1637 ( 1 ) ( 2 ) ( 7 ) ( 8 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by the rule of bureau between the creditor and the obligor, not later than 45 days prior to the effective date of the change. I have XXXX open-ended credit accounts that has not limit however if XXXX card reached a credit amount they lock or close all my accounts until you make a payment on XXXX and this is certainly an alteration to my contract and it indicates nowhere in my application of agreement that XXXX card affects another card, this is a clear violation of my consumer rights to my open-ended credit. 
XXXX complain ( security FRAUD, MY security was not processed or forwarded ) I have continue to receive a billing statement notices by mail and email fraudulently called mail fraud per 39 U.S. Code 3001 Unlawful Soliciting Bills and Violation of bills, invoices, and statement of accounts due I sent my security to the address listed for the indenture trustee FOR AMERICN EXPRESS to process my security and credit my account you have listed on your indenture trustee agreement and I receive the green card back that is enclosed with this complain and it has not been processed. AS the Indenture trustee ( AMERICAN EXPRESS ) UCC 3-603 was violated due to the fact the tender of instrument was not processed. UCC 3-419 was violated as this was an instrument signed for accommodation. According to the post office the zip code on your indenture trustee agreement to send the asset back securities was incorrect, so they corrected it but now I am hearing the address has changed again to the following address AND IF SO, PLEASE FORWARD IT TO THE correct department. My balance on XXXX of my account has not been credited properly and should show a XXXX balance and the available credit for business growth expansion. 
Express mail is sent here. 
REMITTANCE PROCESSING XXXX XXXX XXXX XXXX XXXX XXXX If FIRST CLASS MAIL AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears that the address keeps moving and is not stable for the consumer to send obligation to the correct department. THIS CAN BE VERY CONFUSING AND CONTINUE TO CAUSE THESE TYPE OF COMPLAINTS. 

Resolution I am requesting a resolution in this claim to include ( XXXX. ) re-opening my account AND AN APOLOGY FOR NEGLIGENCE ( that was abruptly closed by their agent with no written or verbal permission by me ) and mail my new card out that after speaking to the company on numerous occasion I am sure where all recorded because they indicated they would go back and listen to the recording and nothing happened, ( XXXX. ) process my security and apply my credit back to each XXXX of my accounts ( XXXX ) Location and address where all my endorsed securities need to be sent for monthly processing ( XXXX ) no recourse regarding my credit paid as agreed and no late pays ( XXXX ) recoupment of all statement payments and compensation for punitive damages of {$500000.00} I will assert an arbitration via contract or federal lawsuit for securities fraud AND FILE A COMPLAINT WITH THE OCC in 14 days if an unfavorably outcome IS MET and I will sue for more. 

Consumer financial protection bureau : the function of the cfpb to assist people in borrowing money or using other financial services include implementing and enforcing federal consumer financial laws ; reviewing business practices to ensure that financial services providers are following the law ; monitoring the marketplace and taking appropriate action

Company response to consumer: Closed with explanation