Debt collection -- Attempts to collect debt not owed -- Complaint #10517627
Complaint Overview
Complaint ID: 10517627
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33138
Date Received: 2024-10-20T12:00:00-05:00
Date Sent to Company: 2024-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I sent a formal debt validation request to American Express and their assigned third-party debt collection agency, XXXX XXXX XXXX XXXX, regarding an account they claim I owe. I requested proof of the original signed agreement and a detailed breakdown of how the debt amount was calculated. However, I received only account statements, which did not meet the requirements for proper debt validation. On XX/XX/year>, I sent a second formal request to the same parties for complete validation of the debt, including the signed agreement and proof of their legal right to collect the debt. As of XX/XX/year>, I have still not received the required documentation. Despite failing to provide proper validation, the debt collector continues collection efforts, which includes reporting this debt to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), collection activities must cease until the debt is validated, and I believe this constitutes a violation of my consumer rights. I request that all collection activities be stopped and any negative reporting to credit bureaus be permanently removed, as the debt has not been properly validated according to the law.
Frequently Asked Questions
What is Complaint #10517627 about?
Complaint #10517627 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-20T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.