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Debt was paid. I, XXXX XXXX, beneficiary of the XXXX family trust estate, made a complaint on the CFPB website in regards to me discovering a billing error while looking over my American Express, XXXX XXXX XXXX, & XXXX statements in the amount of { {$50000.00} }, { {$60000.00} }, { {$16000.00} }. In good faith, I brought this to American Express, XXXX XXXX XXXXXXXX, & XXXX attention by mailing in a billing error dispute on XX/XX/2024 American Express, XXXX XXXX XXXXXXXX, & XXXX response to this complaint stated that the amount reflected on the billing statement is the amount that I owe not the credit balance. I would like to know how do I owe an amount that has already been paid pursuant to federal law 18 U.S.C. 8 all obligations are covered by the United States, this includes all debts. A