Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2022, I, XXXXXXXX XXXX XXXX, a natural living woman applied for a line of credit with AMERICAN EXPRESS XXXX At the consummation of the credit transaction I extended credit to AMERICAN EXPRESS to issue me an account, account number and card to the principal XXXX XXXX ( ACCT # XXXX ) to make purchases ( see cardmember agreement XXXX ). My promissory note is an asset ( credit ) to this financial institution so that I can debit ( charge ) the account to make purchases ( see attached statement XXXX ). 

Pursuant to 31 USC 3103, This note can be cleared through the U.S. banking system ( See 31 usc 3103 ). This note is considered to be the dollar equivalent to the credit limit on the account issued. ( See cardmember agreement XXXX ) On XX/XX/2022, I tendered a payment to AMERICAN EXPRESS in the amount of {$2900.00} along with a letter of instruction and my power of attorney through certified mail with a XXXX  receipt. The XXXX receipt was signed and returned on XX/XX/2022 by XXXX XXXX ( see XXXX, letter, XXXX  reciept ). After receiving confirmation that my payment was received I did not see the credit of the amount that was tendered reflected on my account so I called AMERICAN EXPRESS customer service. The representative claimed that there was no payment received and that they needed to file a dispute on my behalf ( Reference Number XXXX ). I then received a correspondence message via my secure messages portal in my American Express account stating that the power of attorney document had not been notarized and that I needed to resubmit the power of attorney notarized ( See AMEX Secured Message ). I uploaded my power of attorney notarized to their internal system. I did not receive a response as to why my tender of payment was not accepted other than AMERICAN EXPRESS responding to my CFPB complaint. ( See CFPB Complaint response ) AMERICAN EXPRESS claimed that they never received my power of attorney and that they could not locate my payment that was mailed to them. My payment was never returned to me with an explanation as to why it was not accepted which I requested in the event the payment was refused. Due to no response from AMERICAN EXPRESS, on XX/XX/2022, I tendered another payment in the amount of {$3000.00} to allow the financial institution another chance to act in honor. On XX/XX/2022 AMERICAN EXPRESS opened another dispute on my behalf because they could not locate the payment ( Reference Number XXXX ) and sent me an email on XX/XX/2022 requesting documentation to support my claim ( see email ). On XX/XX/2022 the dispute that AMERICAN EXPRESS opened on my behalf was closed. AMERICAN EXPRESS agreement under the section how to make a payment, states that they accept negotiable instruments as a form of payment ( see agreement pg XXXX ). 

Pursuant to UCC 3-104, AMERICAN EXPRESS issued a negotiable instrument to the principal XXXX XXXX with a purpose of giving rights on the instrument. As the holder of this instrument I am accepting these rights and making a tender of payment of the obligation to pay. If the tender of payment is refused then there is discharge of the amount due. 

Please provide the following documentary evidence on account ending in XXXX : .All documents, papers, correspondence, books of account and financial and corporate records that involve all parties, subsidiaries and affiliates in connection with my cardmember name. 

This request is required to allow me to further assess how this account was funded and how much is owed according to the journal and ledger entries starting from the date the account was opened and showing accounts receivable and payable on both the public and private side.

Company response to consumer: Closed with explanation