Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
SUBJECT : FORMAL COMPLAINT AGAINST AMERICAN EXPRESS FOR DEBT RESURRECTION AND PREDATORY CATEGORY SHIFTING I. INTRODUCTION & PRIOR CONTEXT I am filing this new complaint because American Express has engaged in highly aggressive and predatory behavior following its failure to properly investigate a dispute involving an illegal merchant, XXXX XXXX XXXX XXXX. Evidence of Statutory Illegality : XXXX XXXX XXXXXXXX has issued a PERMANENT reversal of {$36000.00} for this same project. American Express has ignored this precedent and is instead actively assisting the merchant in collecting on a void contract ( XXXX XXXX & XXXX XXXX ). XXXX. EVIDENCE OF DEBT RESURRECTION ( XX/XX/XXXX STATEMENT ) Per the attached statement ending XX/XX/XXXX, American Express has resurrected a debt of {$76000.00} related to the GVD Renovations dispute ( listed as a " Debit Adjustment '' ). Resurrection of Settled Debt : I previously paid the original transaction amount in full to maintain a XXXX balance. Following the denial of my dispute, the bank resurrected this {$76000.00} principal on an account that was previously settled. Predatory Re-categorization ( XXXX XXXX ) : The bank 's digital ledger ( attached via screenshot ) labels this specific reinstatement as " Cash Advance Principal '' ( XXXX XXXX ). This strips me of purchase protections and subjects the entire amount to immediate, back-dated interest at nearly XXXX %. Refusal to Protect : Amex has ignored that this " home improvement '' project resulted in actual property damage and was performed by an unlicensed entity. By re-categorizing the construction-related debt as a " XXXX XXXX, '' the bank is penalizing the consumer for exercising their legal right to dispute a contract that is void ab initio under state law. XXXX. PROCEDURAL MISCONDUCT & COURT REJECTION ( XX/XX/XXXX ) The merchants legal counsel recently attempted to escalate a lawsuit against me ( Case # XXXX ). This filing was REJECTED by the XXXX XXXX XXXX XXXX on XX/XX/XXXX, for Jurisdictional Manipulation. The merchant is failing to meet basic legal standards in court, yet American Express continues to facilitate their collection efforts. IV. DESIRED RESOLUTION I request that the CFPB investigate American Express 's " Adjustment Redistributions '' which move settled purchase debt into high-interest " Cash Advance '' categories. I demand that American Express : Reverse the predatory XXXX XXXX designation immediately. Issue a permanent reversal of the {$76000.00} GVD balance based on XXXX & XXXX XXXX. Remove all predatory interest and fees generated specifically by the resurrection of this void debt. V. SUPPORTING DOCUMENTS ATTACHED Amex Statement ( XX/XX/XXXX ) : Proving the {$76000.00} resurrected principal ( Page XXXX, Detail ). Amex XXXX XXXX : Proving the XXXX XXXX XXXX XXXX re-categorization of the XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Proving the merchant 's filing was rejected for procedural misconduct. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation