Credit card -- Incorrect information on your report -- Complaint #14361772
Complaint Overview
Complaint ID: 14361772
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 908XX
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-06-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Subject : American Express reported a late payment on a closed account and failed to correct it despite acknowledging the error I closed and paid off my American Express account in full in XX/XX/XXXX. Several months later, in XX/XX/XXXX, I discovered that American Express had allowed a charge to post to the closed account. Notably, the charge was submitted by the merchant with a transaction date of XX/XX/XXXX a full month before the account was closed. However, the charge did not appear or post until XX/XX/XXXX, nearly XXXX months after the alleged transaction date and after the account had been closed. This raises questions about the legitimacy and timing of the charge, as it is highly unusual for a valid transaction to be delayed and posted with a backdated timestamp. I was never sent a statement or notification of the charge, and the account remained marked as closed on my online dashboard. As a result, I was unaware that a balance had posted or that it had gone unpaid. I found out about the issue because I received an alert from Experian of a derogatory mark on my credit report. When I contacted American Express by phone on XX/XX/XXXX, a representative reviewed the issue and acknowledged that the late payment was not my fault, and they assured me that the negative reporting would be corrected. Despite this assurance, they failed to make the correction. The agent agreed to reverse the late charges, but said because I had previous transaction with this merchant I had to pay. It was only {$30.00} so I paid it to resolve the issue. I then filed disputes with the credit bureau, but American Express re-verified the inaccurate late payment, and the dispute was denied. The also incorrect re-reported it as closed in XX/XX/XXXX when I have proof this account was closed in XXXX. I have no ability to communicate with American Express in writing or via email. All interactions are conducted by phone, making it difficult to maintain documentation or escalate the issue properly. This unresolved derogatory mark on my credit report is the direct result of a transaction being posted to a closed account, with no notice to me, and a failure by American Express to honor their commitment to correct the error. I respectfully request that the CFPB investigate this issue, as it is causing ongoing and unnecessary damage to my credit standing.
Frequently Asked Questions
What is Complaint #14361772 about?
Complaint #14361772 was filed against American Express Company regarding Credit card specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-29T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Credit card) 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.