Debt collection -- Attempts to collect debt not owed -- Complaint #4972606
Complaint Overview
Complaint ID: 4972606
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: Oregon
ZIP Code: 970XX
Date Received: 2021-12-03T12:00:00-05:00
Date Sent to Company: 2021-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of XXXX the American Express account was opened. Beginning of XXXX payments went into delinquency. On XX/XX/XXXX, the account was closed and at the end of XXXX or beginning of XXXX, the account was charged off as bad debt as a result of a court hearing that they never served me papers for or contacted me. I was only contacted after the fact via mail. This account says I have a past due amount and they tried to contact me again in XXXX of XXXX. The account had, at that point, been closed and charged off for XXXX years. This account is too old to still be on my credit report I believe and they have continued to harass me for payment on the account even though it was charged off as bad debt.
Frequently Asked Questions
What is Complaint #4972606 about?
Complaint #4972606 was filed against American Express Company regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-03T12:00:00-05:00.
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.