Debt collection -- Written notification about debt -- Complaint #8135451
Complaint Overview
Complaint ID: 8135451
Company: American Express Company
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 90019
Date Received: 2024-01-09T12:00:00-05:00
Date Sent to Company: 2024-01-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my XXXX XXXX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( s ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the death and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring. I would truly appreciate the favor & goodwill... XXXX XXXX - Account # : XXXX
Frequently Asked Questions
What is Complaint #8135451 about?
Complaint #8135451 was filed against American Express Company regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-01-09T12:00:00-05:00.
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.