Debt collection -- Attempts to collect debt not owed -- Complaint #4350914
Complaint Overview
Complaint ID: 4350914
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New Jersey
ZIP Code: 070XX
Date Received: 2021-05-04T12:00:00-05:00
Date Sent to Company: 2021-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
American Express has blacklisted me after 40 years of being a loyal card member. Although I have been black listed I am paying off my American Express cards and not late with any payments. Despite my paying off the balance of the Am-Ex cards in a timely manner American Express has contracted a collection angency, who is calling/harassing me to collect the Am-Ex debt which I am paying off on time. As a result of Am-Ex placing my account into collections my credit score has plummeted over 100 points. American Express has hired XXXX XXXX XXXX as the debt collectiion agency who is harassing me despite the fact I am making timely payments to my American Express account. XXXX XXXX XXXX have repeatedly called me and are harrassing me for a debt that I do not owe. My payments to the American Express accounts they mention are current and I have no late payments to American express. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) expressly prohibits creditors and debt collectors from making false and misleading representations to consumers. To this point the American Express accounts XXXX is calling me about are current and I have made no late payments. I am using American Expresses online portal to make payments since my account was black listed by them. Under direction of American Express, XXXX continues to call and harrass me for a debt that is current with payments. ( See CFPB complaints XXXX and XXXX as a reference to this matter ) XXXX attorney 's that call me do not identify themselves by name and are aggressive. I have not recieved any mail from XXXX and their response to my CFPB complaint about them was the first I am learning they are calling/harassing me about an American expess account that is current. American Express attempts to collect debt that is current with payments are unwarrented and destroying my credit scores with credit reporting agencies. I am asking American Express and XXXX to stop harrassing me and will escalate my complaint to the United States Federal Trade Comission and other government agencies, including the FBI if this harassment for a debt I do not owe does not stop immediatly. American Express is violating the FDCPA laws through sending a debt I do not owe to a collection agency that continues to harass me. American Express needs to stop the illegal collection activities and update false information they are reporting to credit agencies which is severly impacting my current credit scores. Very Truely Yours
Frequently Asked Questions
What is Complaint #4350914 about?
Complaint #4350914 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-05-04T12:00:00-05:00.
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.