Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a formal and verified complaint against American Express XXXX Bank for failure to credit a lawful payment submitted on XX/XX/year>, and for continuing to assert a balance that is legally inaccurate and unsupported under federal banking law and original congressional statutes. 

I. PAYMENT TENDERED AND IGNORED On or about XX/XX/year>, I submitted a lawful payment to American Express in the amount of {$6000.00}. This payment was submitted in full compliance with the company 's own printed billing statement instructions, which state that acceptable payments include : a single check drawn on a U.S. bank and payable in U.S. dollars, or with a negotiable instrument payable in U.S. dollars and clearable through the U.S. banking system. 

I submitted a valid instrument fully compliant with this clause. Yet the company refused to credit this payment, offered no explanation, and proceeded to carry forward the unpaid balance, issuing subsequent billing demands and enforcement actions. 

II. VIOLATION OF FEDERAL LAW TRUTH IN LENDING ACT ( 82 Stat. 146 ) This failure directly violates the following sections of Public Law 90-321 ( Truth in Lending Act ) : 161 ( c ) which mandates that any payment received by the creditor must be credited promptly and properly to the consumers account ; 166 ( b ) which prohibits the creditor from attempting to collect a disputed amount while a billing error ( i.e., an uncredited payment ) is under investigation ; 164 which requires the creditor to disclose and document the handling of payments and balances. 

No such investigation has occurred. No documentation has been disclosed. No correction has been made. 

III. VIOLATION OF DUE PROCESS FIFTH AMENDMENT ( 1 Stat. 97 ) By refusing to credit a lawful payment and still asserting a balance due, American Express is depriving me of property without due process of law, a violation of the Fifth Amendment, as enrolled in 1 Stat. 97. They have not provided a fair opportunity to contest the balance or confirm that the payment was received or rejected with lawful reason. Their silence is procedural obstruction and constitutional breach. 

IV. JURISDICTIONAL NULLITY NATIONAL BANK ACT ( 13 Stat. 99 23 ) The National Bank Act of 1864 ( 13 Stat. 99 23 ) requires federally chartered banks to : Maintain complete and accurate books of account, Record all debits and credits, and Produce those records on demand when a financial claim is contested.

American Express has refused to produce the ledger showing what occurred with the XX/XX/XXXX payment, and has never acknowledged its handling. The company continues to issue billing statements and assert a balance without the required accounting proof. This renders their balance jurisdictionally void, and their enforcement efforts legally defective. 

V. IMPACT OF THIS FAILURE As a result of this failure to credit a valid payment : I am being charged and pursued for a balance that should have been reduced or extinguished ; I am being denied documentation showing the payments receipt, rejection, or disposition ; I am being subjected to false balances, billing notices, and procedural obstruction ; I am at risk of inaccurate credit reporting and unlawful enforcement on a debt that is not properly validated. 

RELIEF REQUESTED I respectfully request that the Consumer Financial Protection Bureau : Investigate American Express for its failure to credit my XX/XX/year>, payment and provide a lawful justification for the rejection ; Order the immediate crediting of the {$6000.00} payment to my account and correction of all balances and statements issued since that date ; Require the production of all records associated with this payment, including ledger entries, payment handling logs, and any rejection notice issued ; Enforce penalties for violation of 82 Stat. 146 161 ( c ), 164, 166 ( b ), and for obstruction of due process under 1 Stat. 97 ; Notify the Office of the Comptroller of the Currency ( OCC ) for review of American Expresss recordkeeping and charter compliance obligations under 13 Stat. 99. 

All rights reserved. No waiver. No presumption of obligation exists.

Company response to consumer: Closed with explanation