Debt collection -- Attempts to collect debt not owed -- Complaint #4564365
Complaint Overview
Complaint ID: 4564365
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: Alabama
ZIP Code: 36526
Date Received: 2021-07-21T12:00:00-05:00
Date Sent to Company: 2021-07-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$130.00} to settle the account with Amex. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. XXXX XXXX received the check on XX/XX/2020 at XXXX am and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, AMEX is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector. 5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Frequently Asked Questions
What is Complaint #4564365 about?
Complaint #4564365 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-21T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with non-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 (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.