Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
CFPB Complaint : Billing Error and Unlawful Withholding of Funds To the Consumer Financial Protection Bureau ( CFPB ) : Date : XX/XX/year> Complainant Information : Name : 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 ( for identification purposes only, if required by CFPB ) Company Information : Company Name : American Express ( Amex ) Company Address : American Express c/o : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Nature of Complaint : Billing Error and Unlawful Withholding of Funds Detailed Description of Complaint : This complaint is filed pursuant to 12 CFR 1026.21 and 28 U.S. Code 1746 ( 2 ) concerning a billing error on my American Express account , and further asserts my rights as an entitlement holder, natural person, Social Security Administration ( SSA ) cardholder in the name of XXXX XXXX XXXX XXXX and a vested consumer credit applicant as a natural person who extended credit creating a debt. I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am rebutting an alleged debt claim by American Express, the alleged original creditor, as per the Fair Debt Collection Practices Act ( FDCPA ). 

On or about XX/XX/year>, I received a letter from American Express ( copy included ) denying my request for the release of funds or an accepted allowance. This denial pertains to an amount in excess of {$1.00}, specifically demanding {$930.00}, which is due and owing to me or held for my benefit, representing my equity and interest. 

I assert that I tendered an original, completed application, which constitutes a consumer asset and an Electronic Funds Transfer ( EFT ) instrument. This application was comprised of my credentials and Personally Identifiable Information ( PII ), necessary to guarantee, insure, or provide security for the credit or collateral prefunded issued account ending XXXX. This act served as full prepayment for all taxes, customs, other public dues, and all charges for all billing cycles, as per 15 U.S. Code 1662 ( 2 ) and 12 U.S. Code 412, and 18 U.S. Code 8.

I demand that American Express acknowledge that this account is payable to XXXX XXXX XXXX in lawful money and I hereby rebut any new balance payment coupon offer, as the account was pre-paid in full. 

Requested Remedies : Within thirty ( 30 ) days of the date of this complaint, I demand the following remedies : 1. First-Hand Knowledge Supporting Affidavit : American Express must provide a sworn affidavit, based on first-hand knowledge, supporting any claim of a balance due or denying my assertion of full prepayment.

2. Confirmation of Paid in Full Status : A written statement confirming that the account ending XXXX is paid in full, never late, and in good standing. 
3. Release of Funds : The immediate release of the demanded amount of {$930.00}, representing my equity and interest, or any other funds held for my benefit. 
These demands are made in accordance with the United States Constitution and enumerated consumer protection laws.

Supporting Documentation ( if applicable, attach copies ) : Copy of the American Express letter dated XX/XX/year>. 
Copy of statement and attached new balance payment coupon offer evidencing positive balance in excess of {$1.00}. 

I expect a prompt and thorough investigation into this matter by the CFPB and American Express. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation