Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX, Material Misrepresentation, and Deceptive Debt Collection Practices in Violation of the Fair Debt Collection Practices Act American Express National Bank and XXXX XXXX XXXX XXXX XXXX XXXX 

I am submitting this complaint regarding materially inaccurate sworn statements and deceptive practices used in connection with a consumer debt collection lawsuit filed against me by American Express National Bank and its legal representatives, XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/year>, legal documents related to a debt collection lawsuit were delivered at my residence. 

Subsequently, an Affidavit of Service was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Case No. XXXX ), declaring under oath that a specific individual, XXXX XXXX, personally served me at my residence on that date. 

However, this sworn statement is materially inconsistent with objective evidence. 

I possess video evidence with synchronized timestamp recorded on XX/XX/year>, clearly showing that the individual who delivered the documents was not XXXX XXXX, but instead a different individual, a XXXX female who identified herself as XXXX. The video establishes that XXXX XXXX was not present and did not personally serve me, contrary to what was declared under oath in the Affidavit of Service filed with the court. 

Despite this, the Affidavit identifying XXXX XXXX as the individual who personally served me was formally filed and used as part of the legal process to assert personal jurisdiction over me in a debt collection action. 

On XX/XX/year>, I filed a formal Answer with the court asserting insufficient service of process and lack of personal jurisdiction as affirmative defenses. 

On XX/XX/year>, Plaintiffs counsel, XXXX XXXX of XXXX XXXXXXXX XXXX XXXX, filed a written Opposition admitting that : the process servers return of service did not accurately reflect the service that occurred. 

This admission confirms that the sworn Affidavit of Service filed with the court contained materially inaccurate representations regarding the identity of the person who performed service. 

The use of a materially inaccurate sworn XXXX XXXX XXXX in connection with a debt collection lawsuit raises serious concerns regarding compliance with the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with the collection of any debt 15 U.S.C. 1692e ( 10 ) Prohibiting the use of false representations or deceptive means to collect or attempt to collect any debt 15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect or attempt to collect any debt The inaccurate sworn Affidavit was used as part of the legal process to advance debt collection litigation and assert jurisdiction. 

I have preserved all relevant evidence, including : Video recordings with synchronized timestamps Security camera screenshots Court filings, including the Affidavit of Service and Plaintiffs written admission My Answer and Motion challenging improper service I am prepared to provide this evidence upon request. 

This situation has caused significant distress and required substantial time, effort, and resources to defend myself against legal action initiated using materially inaccurate sworn representations. 

I respectfully request that the Consumer Financial Protection Bureau investigate whether American Express National Bank and XXXXXXXX XXXX XXXX XXXX., engaged in false, deceptive, or misleading representations or unfair practices in violation of federal consumer protection laws, including the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation