Summary: Assuming constant angle of attack $\alpha$, speed $V$, and lift $L$ applied at the center of pressure CP (whose position is $x_{CP}$), the distance $(x_{CP} - x_O)$ between the moment reference point $O$ (whose position is $x_O$) and $CP$ determines the sign (positive, negative or zero) of the pitching moment as long as $L\neq 0$:
$$M_O = (x_{CP} - x_O)L$$
However, the moment $M_O$ depends on $\alpha$, i.e. $M_O=M_O(\alpha)$, since changing $\alpha$ while keeping the reference point $O$ position constant, varies the magnitude $M_O$ since both lift $L$ and the position $x_{CP}$ vary.
Interestingly, when $O=AC$ and $x_O=x_{AC}$, the moment does not change with changing $\alpha$:
$$ M_{O}(\alpha) = M_{AC} = (x_{CP} - x_{AC})L = constant$$
We can move lift $L$ from its application point $x_{CP}$ to point $x_{AC}$ while adding a constant free pitching $M_{AC}$ whose magnitude is $(x_{CP}-x_{AC})L$. The moment $M_{AC}=0$ for symmetric wings and $M_{AC}\neq0$ for cambered wings.
In the case of a cambered wing, the equation $$ M_{AC} = (x_{CP} - x_{AC})L$$ predicts that $$M_{AC}=0$$ when lift $L=0$. However, we know that a cambered wing has a a constant nonzero moment $M_{AC}$ for any $\alpha$ even when $L=0$ at the zero-lift $\alpha_0$. How do we transform the equation for $M_{AC}$ so it becomes equal to the sum of two terms, one solely due to camber and one solely due to lift: $$ M_{O}(\alpha) = M_{AC} = (x_{CP} - x_{AC})L= M_{camber}+M_{lift}$$
where the term $M_{camber}\neq 0$ for any $\alpha$?