American Express - Collection Practices

I have many times contacted you and no out come. I paid of my American Express bill and over paid and I am trying to get a refund. It was a few years ago but I have many times contacted in writing and a few phone calls asking for a statement. I know for a back I am owed at least $500. I need you to contact me as soon as possible.

I was unable to pay my American Express account for 180 days due to financial hardship. I sold my house in order to pay, and they received the money 11/21/2011. They reported it to the credit bureaus in December 2011 as a collection account with 0 dollars due. This strikes me as heartless and unfair. There was nothing reported until after I paid.

I am in the process of a debt settlement program due to family hardship. I paid Amex $2,000 in July 2011. Then in August 2011, I paid them $600. I had financial and family hardship and contacted a very reputable debt settlement company. I wanted to make sure that the few credit card companies that I had complied with this program. The company told me I could file for bankruptcy, but this is not the way I was brought up. Unfortunately, I got myself in this situation, and I want to pay all the companies back, but I am just going to need a little more time.

American Express not only is calling me and harassing me every day, about 10 times a day, but they are calling my ex-husband and harassing him at his place of employment, calling him at his home, and calling him on his cell phone and telling him they are going to lien his home if he doesn't pay. They have also called my mother on her cell phone harassing her. This is insane! My ex-husband is not even on my credit cards! They call him a few times a day. Just today, they called him asking him for his social security number.

When I taked to a woman named Sana, she said that American Express doesn't work with debt settlement companies. They said they are willing to reduce my debt by 40% if I pay in 11 days. Everyone I spoke to was located in India. I tried to explain to them that if I had that money, I would have already given it to them. I don't believe it can be legal for them to not only talk to other people about my debt to American Express, but also harassing family members that are not reponsible for the debt, and telling my ex-husband that American Express is going to lien his assets.

With this AMEX collection group, Zwicker & Associates, we have had an excellent pay off plan in place for more than 3 years. We paid off a green card entirely, and at $432 per month, have diligently reduced a $25,800 debit to $14,800. In September and October 2011, we missed two payments. Our father was severely ill from a stroke in June and died Nov. 2, having been in need of care all summer, and finances were impacted. Zwicker never once called or wrote about the missed payments. But, on Nov. 1, a sheriff appeared at our door with a Garnishment Summons and notice for a hearing on Jan. 6, 2012. Then, on Nov. 11, without notice, Zwicker, who was authorized to debit our bank account monthly for $432, attempted to debit the account $16,348.21. The possible list of complaints includes the following:

-misrepresenting amount of debt and collecting an amount greater than the debt; our AMEX is debt is $14,758,23; -attempting to collect an unauthorized amount -using a legal process, the presentation of a summons, deceptively, as proven by attempting to debit account shortly thereafter. (In other words, if this legal action is valid, this is a violation of due process, and this debit for the total amount was unauthorized, if, possibly, criminal, as summons calls for a hearing 1/6/2012. )

-we have a healthy, if excellent, payment history with Zwicker: one card totally paid off, the other under 50% due that suffered due to family loss and medical expenses, yet the agency took a spontaneous hostile action without any notice, actions that have caused immense stress and damage. There was not correspondence or advance notice from Zwicker between September and October. -misrepresentation of an attorney -misrepresentation of legal of actions against us, as, among other things, a 1/6/2012 hearing would be moot if they had been able to debit successfully the $16, 348.21

I carried a balance of $1,500 on Amex charged from December 2010 and I made payments of $300-350 until March 2011. AMEX contacted me and I set up a payment plan explaining that I had been unemployed for a year and could not pay full balance at the time.

Payment was set for $130 per month for 12 months interest deferred and charges fair deal with auto pay option. First month, I sent $200 and Amex also deduct an auto pay of $130 for a total of $350. The following month, there was no deduction out of my checking so I made a payment of $150. The following month, I figured that the auto pay would deduct automatically the same in July. I'll save myself time on paying on-line or other so I thought I never even questioned the process which was my mistake.

Amex started calling over a period of which I did not keep track. I ignored the calls figuring some sales pitch or other. I had no reason to think otherwise. Then I received a letter on August 15th, stating that I have been expelled from payment plan. I called Amex explaining that I was under the understanding that the auto pay was setup to protect both Amex and myself. They stated that the auto pay was only for the first payment and that I did not request nor did they verbally offer at the time of setting up the auto plan a 12-month auto pay. This was also confirmed by Tim, the floor supervisor on August 15th, that it was against the policy for the customer service to verbally offer this feature. Remember, they have my checking account number and the payment plan is titled auto pay which is misleading and devious.

Now, my option is to pay the entire balance by the end of month, otherwise, they will report my account delinquent from the time the payment plan was set up. I inquired why I was not notified at 30 days if there was a problem via mail or at 60 and they stated that they were not obligated to send written notification but only call which over a 74-day stretch a total of 11 times also no e-mail notification until the day I spoke with Amex. After mentioning my confusion and feeling of violation and being duped, I received an email shortly thereafter.

I made the payment for $130 and was forced into committing to the balance of $680.00 by the 29th of this month; no other option (well done Amex) Of course, I had to pay the $125 membership to also keep the payment plan earlier in 2011, as part of my obligation which I agreed was billed and payed.

If this isn't banking at its worst-- I had been a member for six years and charged monthly and I always paid full balance due on top of that, I had a platinum business card from 2006 to 2010 for business and same deal. Where and who can help and advise?

I had a harassing phone call and they filed suit against me because the Legal Helpers Debt Resolution allowed them to.

On 3/10/11, a customer representative called me for a payment on my account. I advised her that I would make two payments. Instead of waiting for me to make the payment, American Express made an unauthorized bank withdrawal of $2000 from my checking account.

I spoke with a Kimberly from the litigation dept, but she gave me no last name. She said that I had to make payment of $600 for the next 6 months to American Express, which I did but they took another $600 out of my bank account disclosing it. I admit it I owe American Express about $2100.00. I have made it a point to tell Kimberly that it wasn't like I did not want to pay my bills. But I wasn't making enough to pay my bills. I have been calling American express litigation department since yesterday, but to no avail. I need help with this situation. I want the $600.00 they took because right now I am overdrawn at the bank. Every check that I wrote out has bounced.

I have a friend who lost his job when he is trying to pay off his credit card bill and I tried to get him into a pay down program. I was told that they could arrange for a pay down program of $480.00 per month. After getting the ok from my friend, I called back to arrange the program, the ** at American Express now told be that the best they could do was $520.00 per month.

I explained that the program was already arranged and I was just calling to set up the payment arrangements they refused to cooperate. American Express sucks! I got a great deal of aggravation.

I have been on Social Security Disability since November of 2006 and lost my job in May of 2007. I had been calling AmEx since November or so of 2008 of that year to activate my account protector to pay the minimum balance for me as I had been paying for it since I got the card (with 0% interest for 12 months). The first 10 or so times I called to try to activate the account protector, I had to talk to Indians who I could barely understand and who couldn't understand me. They would transfer me to a number and the call would drop. I tried calling their Account Protector Services line but that call got dropped as well. When I finally was contacted by a real English speaking person in February of 2009, I was sent papers to fill out. I sent them in, filled out, with all the information they asked for within the week and have been getting collection calls ever since, claiming that I only tried to activate the Account Protector since that February, despite all my calls to the Indians which probably weren't recorded.

I am now getting 1-10 calls per day from them and have explained multiple times that due to my disability and some hospital stays along with two seizures that I was unable to pay or refused to pay. I haven't used the card since early 2009 for a $7 purchase and have accrued $1000 in interest plus whatever I am paying for the Account Protector at this point. I am unable to pay anything. I tried to do a balance transfer from another card but that wasn't successful and I now don't have enough money to even do a balance transfer due to minimum payments on the other card. I am yet another disgruntled AmEx card holder.

They refuse to lower the interest rate on a closed account that I am just trying to pay off without ** them; the money they are charging on was taken years ago. They are making so much money off my account.

I have closed the account several years ago to pay off the card debt. They, American Express, have refused to lower the interest rate from 24.00%, so I can get this paid off. I have no intention of not paying, but they must work with me. They have made so much interest off my loan. I have tried many times to deal with them, but no success. I do not want to file Chapter 7. Please help.

I have been dealing with American Express for over 20 years. In the past 5 years, their business conduct has become disgusting. They apparently use an outsourced dunning service to contact any by phone if your payment is a day late. More than that, they will send it to a collection agency.

Ruthless! I have no such problem with my Visa (Bank of America) or MasterCard provider.

American Express got the taxpayers' bailout. But you know what? They hired people from India to call us if we can't pay them! I've had a call yesterday and a call today, and both admitted they were calling from India. How do you like them apples? No wonder, we are in the shape we are in--with us needing jobs in the US and companies like them outsourcing them to other countries. We can't win for losing!

No matter how much I paid them, the balance never went down. So why try? Why should I give them my last dime and have to do without when they are doing what they are doing? Wake up, people.

I had been a customer of AmEx for over 5 years, paying over $27% interest. In March of 2009, I contacted AmEx to try to settle my over $9000 debt. My husband was recently unemployed, and had a lump sum severance payment, and I wanted to pay off the debt. I spent well over 90 minutes on the phone, but was unable to get AmEx to settle the debt. I told the person on the phone I would be paying off the debt in full (this was on the day before it was due - the phone representative said they would note my file so I wouldn't get a late charge). I immediately sent in the full payment for $9364.73.

About a month later, I received a statement, showing they received my payment. But they charged me a $38 late fee, a $193.12 finance fee, and a $150 membership renewal fee. The same day, I received a separate letter from AmEx indicating they were cancelling my account. I called AmEx immediately to dispute the finance and late charge, and most of all the ridiculous slap-in-the-face membership renewal fee, for an account they cancelled (!). I didn't get anywhere on the phone, and I followed up with a letter. And then several months later, I sent another letter to their collections company, as well as to all 3 credit bureaus.

Unfortunately, this is not resolved, and is showing up as a "charge off" on my credit report. I recently received a settlement offer from AmEx. I called them. I told them I refuse to pay anything unless they remove all negative reports off my credit report. If they were willing to do so, I may be willing to pay something. They claim that this is impossible to do, even though this was an administrative error on AmEx's part.

I have all the documentation to show I paid the balance off in full, and have been in contact with AmEx, and they have been unwilling to correct this error. I would like to sue AmEx to get the error corrected on my credit report, and perhaps for my time involved with dealing with this. This has caused 15 points off my credit score and about 20 hours of time thus far, and higher interest rates on other loans as a result.

I have money coming out of my checking account now since Nov. 2009 in the amount of $5.95 that I don't know who is taking it or for what. I called the bank after finding out the statement had the following name on it cash disbursement American Express-collection. The customer service rep said there was no telephone number attached to the debit from my account. I don't have an American Express card and never did. I wanted to know who is taking money from my account and for what. This has got to stop So, I am filing a form from the bank to do so. Even though it's going to cost me another $30 to file the form.

On 02/05/10, I sent my full payment of $1368 to AmEx to pay my CC bill. They posted that payment to an old account that was closed in 2008. When I realized the mistake, I called them and according to the rep, they would transfer the payment to my current account. They confirmed that the account was closed and that they didn't know how the mistake happen. What they did instead was double crediting my account (two the time the amount of $1368 for a total of $2736). I called them once again to let them know of the mistake and again they apologized and told me that they will fix it. Instead, they double charged the account that was closed. Now, I owe on that account $2736.

Because of all this mess caused by them, they had the courage to tell me that I have to pay a balance of $2736 on the account that I never used since 2008 (supposedly is closed), and until that happens, I cannot use my current account. They even told me if I want to use my credit card, I have to pay the balance on my current account at that moment (the bill wasn't due for another 10 days).

Finally, on 03/24/10, I contacted Barbara, a manager at AmEx, and she told me that she will take care of everything and that I could use my card because I dint cause the situation. She transferred me to Tiffany, a specialist in these type of cases and she told that will take care of the mess. She later left me a voicemail (I kept it) saying that she took care of everything and that I could use my card without any problems. Later that evening, I tried to use my card at Costco and was declined.

I have two specific complaints. First, American Express referred my account to collections even though I was making the agreed-upon payments on time. Second, when I went ahead and paid off the balance (through their website, although the account was ostensibly in collections), they refused to send me evidence that I had paid off the account until I pointed out that the law required them to do so. I had to specifically ask for a closing statement before they complied. I believe Amex is deliberately trying to compromise people's credit ratings. They had no reason for referring my account to collections, as it was current.

I called AmEx to see about help. I was up-to-date with payments. This is my mom's account. I was given to a collection company with Monica. She said I needed to do a payment payoff. They would take 55% of the total. I was shocked. I didn't have this money, but I sold everything I had to come up with what they wanted, which was $4,000.00. Then every 30 days $1,400.00 for the 3 months and paid off all by October 31, 2009. I did this, but we started out wrong on the day Monica took the $4,000.00. I was called by another company that said they had the account now. I called back to Monica and she did a 3-way call to them and, yes, I was with them now.

They said that they would honor her payment plan. I asked for it in writing and I was told when paid off in October 31, 2009, I would get a paid off (I never got it), but I had to have this go through now or else! I was doing what was asked and AmEx had been the one that sent me there. They must trust them as well and it was going to them, so why not me trust who they sent me to. I was dead wrong. In November, after the last payment, I never got the letter. Then the collection calls started and wanted a payment. Every 30 days, I get a new place to start telling my story to again. I can't keep doing this right now. They want the rest of the payoff.

These are challenging times and I appreciate American Express' patience with dealing with my financial difficulties. Unfortunately, I have found GC Services, the collection firm they referred my case to, not as professional as what I have grown accustomed to in dealing with American Express over the years.

I had discussions with GC Services last week about my outstanding balance of $6,899.62. I explained to them that I had a stroke in July 2009, had to lay off my staff, and subsequently close my investment management business. I also explained to them that I had exhausted all of my financial resources and was in effect, "living off the good graces of my children and friends". I asked for a little more time for me to try and secure employment so I could pay off my bill. I was given until Friday 2:00pm to reply.

I was unsuccessful in my efforts to get money from friends to pay my bill. I found GC Services to be totally insensitive to anything I had to say on Friday. I warned them about their lack of professionalism and told them that I was going to inform American Express about their maltreatment. Their reply was to "include a check with the complaint letter". Is this how American Express treats customers undergoing financial hardships? I would have thought that my ten-year relationship with their company would have accorded me better treatment.

I received a settlement letter from American Express in June 2009. AA was taking $50 per month out of my checking account until December 2009. AA said that they would call me in December to get permission and to keep taking out $50 from my checking account. I never got a call from AA to continue the payment agreement. AA says that they called but never used their name. They never sent a letter, so they then turned me over to collection for a bigger amount. The settlement was for $896.66. I paid $350. Now, they want $1,443.33. This is totally extortion by American Express and I need to report this matter.

On November of 2009 I made an arrangement with a customer representative by the name of Dennise from American Express about my payment plans. She told me about the RH program. I was told that $50 from my account will be taken for the next 3 months with no interest. I received a call the first week of January 2010 from an American Express customer service rep stating that I need to make a payment because I am late on my payment. I called American Express and explained to the customer service rep how did this happen. I already made a payment plan, in which AE would automatically withdraw money from my account for the next 3 months. The customer service rep said this was not correct. Therefore, I need to make that payment. So I asked to please speak to a supervisor.

My call was transferred to a supervisor/floor manager by the name of Susan stating that I "misunderstood the payment plan" and that I need to make a payment that same day and if I do not, I will be kicked out of the program. Susan said that "the payment arrangements were all a misperception." I never misunderstood the agreed payment plan. I wrote it all down the day I spoke with Dennise and I was treated very rudely or shall I say coldly by Susan. I am foreigner and I feel that she has no customer skills. English is not my first language so that perhaps made me an easy target for her to talk to me like I was a waste of her time. I asked to speak to her boss. She replied that she has no one above her and I, therefore, told her, "So you hired yourself?" Anyhow, nothing's been resolved yet. I wanted to share this story so people out there will know about how horrific American Express is with customers/people who feed them.

I use my AmEx card for my business charges only (gas for 3 vehicles, tires, etc.) and have been doing so for over 4 years. Our business was slowing down so for about 4 months, we made payments on a regular basis, but not the full amount. We are current with all our charges and AmEx has held my purchases in the middle of transactions at stores even when we didn't receive the bill yet. This has happened two times within the past 2 months. I have gone through the embarrassment of holding up lines and holding off repairs on my vehicle due at the moment the transaction was being rung up. I explained to American Express that I paid the previous bill in full and they I hadn't even received my statement yet. They told me that in order for the charge to be released, I needed to do an immediate bank transfer to pay for the amount right then and there. I explained to them that I've been paying my bills and I am not behind in payments.

I feel that they have you in the palm of their hands and no customer service whatsoever. They have even begun calling my personal home phone number to "harass" me for a payment when I haven't seen the bill yet. I am disgusted and cannot run my business the way I need to. I have plans to cancel this card.

On September 1, 2009 American Express charged my credit card the $150.00 renewal fee. On September 2, 2009 (a day later) they cancelled my card, no reason stated on bill, however since I rarely use card I did not care that it was cancelled. However I refused to pay the renewal fee, so it became 30 days late and a 35.00 late fee was tacted on, then a 40 day late fee tacted on and so and so on. I now owe 220.00, all due to a renewal fee for a service I did not receive. Now I am dealing with GC Service Limited Collection Service Division. I have written Amercian Express since they won't take my call through their automated phone center, I have written GC Collection and as of November 1, 2009 I have received no call back, or coorespondance via mail or email. What a dissapointment Amercian Express is, they should be charged with fraud.

I had a $2000 per month contract for 6 months with KMR(July - Dec 08) Public Relations. Amex charged a 7th month. I immediately alerted both Amex and KMR. Amex said I had a 6 month contract, so they could not do anything. I went to Small Claims Court twice, winning in July 09 against KMR, and then again, winning 2170 against KMR in October, 09, as I had a 6 month contract, no more. The 7th charge was unauthorized. It was clearly stated that a new contract would have to be drawn up to continue automatic debit on the amex. There was a trial on Oct 15, 2009, which I won, Judgement for $2170 against KMR. As of today, Amex will not return my $2000 stating that they are unsure of my contract despite a trial, 2 judgements, and a clear contract for 6 months that I have in front of me. Amex owes me $2170, with interest. I would settle for the 2K,BUT THE MONEY WAS CLEARLY STOLEN. Since January, 2009.

My AMEX accounts (three) were sent to debt collection because one was two months delinquent. I have been under doctors' care with a medical condition and on disability. My disability has not paid me for two months so I have gone through all savings to pay for my medical care, rent & utilities. I have been a good-paying customer of American Express since 1991.

The collection agencies was have been harassing me every day- even calling other family members - at least 3x a day. When i finally talked to both agents we originally agreed to a payment plan- it was a little steep but I was told I had NO OTHER OPTION. I withdrew money out of my 401k - still not enough- and tried to phone them again to say I will not have enough- I was threatened that if I do not come up with the funds owed I will be sued.

I then had a medical emergency and had more then the usual cost with care. I called both to explain I can not meet the agreement and to hold off processing payment until I get my finances sorted.

The first agent - NAME: CHIGORZIRE W. - UNITED RECOVERY SYSTEMS - ext 3582 - threatened me and accused me of lying. She called me a LIAR and said if I did not come up with the $3842.00 - I would owe everything immediately. First off I owe AMEX $2980 - by end of month - this amount exceeded that - and I asked if I could pay this. I was told no- and she screamed at me calling me a LIAR- I simply said I will be calling back to speak with her supervisor as she is not working with me and I do not appreciate being called a LIAR. I also believe she was out of line as when i first spoke with her she asked questions regarding my monthly bills/utilities- I did not know that i did not have to divulge this at the time- my fault.

Please let me know my rights here - as I am being harassed and they are not working or teaming with me to work out a reasonable payment plan for my current situation. Thank you for you time.

december 2008 agreed to a repayment program with American express recieved a letter that I would have zero percent interest and would be able to pay the back amount and have my credit history restored and pay the debt at zero percent interest. I paid as agreed and june of 2009 had to make a smaller payment because I was out of money. I then recieved a call from United Recovery who all along as represented themselves as american express and they said they are remitting to american express and I have been getting statements from american express as well.

I recieved a statement that shows interest and american express agreed zero interest - I called american express they no longer have the account not since jan 2009. all this time united recovery has sent statements out that look like american express and they have also referenced to american express as they are working with them. As of today I have confirmed with american express I no longer have an account nor the debt with them. Why the bills from american express.

American Express is attempting to collect $2537 that was discharged by AMEX as a charge off over 15 years ago. This is the first I've heard from them in over 15 years. Seems like fraud to me.

They keep calling, saying I am Gustavo Hernandez. I tell them over and over I am not. They claim they removed my phone number from auto call system, they didn't. AND they call at 8 am, which is ILLEGAL to call before 9 am in Alaska.I have spoken with American Express. Told them I am going to sue for harrasment. The phone number they have me call is 1-800-964-7365. They claim to be American express, American Express says it is a collections agency they use. SOMEONE is lying! Do something about this!

I made a $150 payment for the privilege of using the Gold Card. I made this payment in november of 2008. In May 2009, they abruptly cancelled my card. I owed them about $33.00, rounded up. I paid it off and then transferred my membership miles to my Delta Airlines Milage account. As far as I was concerned, this was the end of my relationship with American Express. In July i got a bill in the amount of $75.00 for the transfer fee. i got on the phone with AE and their collections department. I spoke at length with their customer service rep and their collections department. I explained that since I had my card cancelled in the middle of the year,they in fact owed me $75.00. The collection department agreed and stated that they would reverse the charge and my account balance would be $0.00.

In August, I received an invoice totaling $75.00 Again I contacted the collections department and spent another hour on the phone. Again I was told the charge would be reversed out. Today I received a collection notice stating that I now owed $110.00. i called AE and they would not let me talk to anybody in collections. I finally got them to waive the $35 late charge, but they refused to refund the $75 dollar charge fee that they agreed to reverse. Can you help me?

I made an arrangement to American Express via GC Services Limited Partnership Collection Agency Division 6330 Gulfton Houston TX 77081 through deduction from my checking account. I consented to the arrangement to curtail American Express extremely high interest. I know longer have use of the card. They have been making deductions w/o any problems since Feb 2009.

Upon receiving a statement from American Express on 8/15/09 there was interest of $208.12 noted. Upon calling GC Services about the interest on 8/31/09. There reply was if we debit your account of $100 today 8/31/09 you will be interest free till Aug 2010. I asked if they would remove the interest of $208.12. I was told no and that it would not hurt me. "Yes it would" I stated.

What recourse can I have with them? From Jan 2008 - Aug 2009 I have paid American Express over $4,520 in interest.

For the last 2 years American express Collections Department has placed automated harrassing phone calls to my home 5-6 times a week despite written and phone requests for them to stop. I have twice disputed in writing a bill for $804.33 that they claim dates from 1994. I did not live in The USA in 1994. They ignore my disputes and refuse to send me proof or details of the debt. I am fed-up and finally fighting back having now filed complaints with The FTC, The Missouri Attorney General, The BBB and now Consumer Affairs.com. and I've just gotten started!

i can a withdrawl on my checking account for 5.00 i know its not much but i dont have an american express card i dont even qualify for one but got this charge on my checking account

I would like to say that I was always the best customer to Amex but I was not. During the frequent problem that arose because of the economic crisis and my health, I was late on my payments for more time than I would like to recount. I sucked it up and decided to do something about it. I paid off my credit debt to Amex in full. I worked out a plan to be a responsible person with credit. All this while I was counseled by others to let the debt accure and then settle for far less than I owed. I felt this to be wrong.

Well long story short, I pay the debt off and debate with myself whether I should cancel the card or keep it. I decide to keep it. 10 Days later they send out a bill with my annual charge stuck on (funny as I became a member after August 3 years ago.) Showing that I now owned 108 dollars more. The day after that, they sent a letter showing that they had a periodic review of my account and deemed it necessary to cancel the card. So not only had I paid the amount in full they now wanted to charge me at the close of the account.

However while I owed them money and had actually requested for a review of my account 5 months ago they did not close the account. No instead they said that I would not be capable of paying back how much I owe on a monthly basis. Never mind the fact that I had paid off two other cards in that same month or the fact that I had not used the card since I paid off my debt and so in essence they deemed me a risk at paying back 0 dollars.

The simple truth is that having felt the sting of overabusing my credit I was not more likely to fall into those same habits again. Which actually works to the detriment of the company. They make their real money off the clients that do not pay back their balance in full. Having a responsible person basically pay in full before they can accrue interest and allowing them to have lucrative deals on their airfare would indeed cut into to their profit margin. Is it no wonder that quite a few people are finding their credit reduced or their cards cancelled when by all accounts they are doing the responsible thing. Had I not settled my debt, I would still have the card.

What I don't understand is why had all this time elasped without them coming after me for this account? What started them doing what they are doing now? I would like them to stop calling my house harrassing me for something that was closed over 16 years ago. Your help will be greatly appreciated in bringing this to some kind of closure.

I got late on my payments to American Express. I have been a member of theirs fo 20 years with no problems. However, in the past year they sent me to collections and I have given them approx $8000 of a $14000 bill. Their lawyers have threatened me and said that if I do not pay the balance by August of this year, they will take me to court. Even though I have been paying quite a bit consistently. I now cannot come up with the remaining $6000 by that time period. I can pay $500 a month. I am being forced to consult with a bankruptcy attorney. Incredible stress and making large payments to them rather than pay my mortgage which is now way past due.

AMEX is harassing me over payment! My husband lost his job in January 2009, so I went about decreasing payments by negotiating with deferments and fixed payment schedules. I made an agreement with AMEX for an automatic payment each month under their Care program. The first month AMEX double debited my account. I brought it to their attention when they called and harassed me at home for payment. I explained the Care program and asked for my money back. I used the word illegal to access without consent. AMEX read their notes and said that they could not call back the payment because they were unable to do it electronically.

Two weeks later the money showed back up into my account. The harassing phone calls continued for lack of payment and now breach of our agreement. Call No. 3 - They Amex,insulted my husband and told him that the call was none of his business. Received call on cell and email (that I printed ) saying I was late for my payment. Asked 800 person to check notes. They apologized and said that there must be a mistake-mine that it showed that my payment did not clear.

Just received a letter two days later that my agreement was breached and my account will be sent to collections. Gee, more harassing phone calls. I have written down representatives names and numbers but they claim they have no authority to help at their level. Saga continues. I checked today and the payment was deducted today on schedule. I am ready to sue under the Fair Credit Act. Any CA attorneys willing to take?

Emotional distress to me, husband and family when I have to continuously argue on the phone and become upset. Several representatives have refused to give last names or rep #'s.

I received a letter from American Express Bank, FSB last month that read: Recently you contacted us requesting enrollment in the Extended Payment Option on your American Express Business Card account. Unfortunately, we are unable to approve your request. What does this mean? You can continue to make purchases with your Card as long as your account remains in good standing. Purchases on your account are due in full upon receipt of your billing statement. Your account will be reviewed periodically and if it meets our activation requirements we will notify you.

My complaint is that I did not contact them to request an Extended Payment Option. However, they did contact me and wanted me to pay down my credit card. I was not late on any payments and I have been paying the amount that is requested, or above that amount every since I opened the account in 1982. I explained to them that I pay what they require of me from their monthly statements. If they want more money from me, I told them to increase the statement amount that they want me to pay them. I said that I had already scheduled a payment online for the amount that was due and that I will not pay them anymore at this time.

Then I received the letter from them that I think is illegle for them to do and why I am contacting you. It is my understanding that a credit report cannot be requested without the permission of the consumer?

I contacted AMEX and they agreed that their records did not show that I requested an Extended Payment Option or any other product that they offer. They did not understand why I was sent the letter but told me that someone from Credit Services, who sent me the letter, would call me March 27, 2009 to explain why it was sent. However, no one has contacted me about my concern. If you could help me with this issue, I would appreciate it. Thank you for your time in this matter.

I have an old bank account I don't currently use, I'm just paying off a credit line so I can close the account. This month, I had a $5.95 charge made on my checking account, which caused an overdraft, which is why I noticed the charge. When I contacted my bank, I was told it was an American Express Collections charge, and they've been taking money from my account for the past three months.

I have never done business with American Express (and certainly won't now). I have never had an AmEx card, never cashed a check from them, never purchased a product or service from them, never took their cards when I had my own business, I have absolutely no relationship with them. I have no idea where they got my bank info, my routing number, my bank account number, but I am seriously displeased about this, these were unauthorized charges, the info didn't include a phone number for me to call, no way to contact AmEx, no explanation, they've just been dinging me for months for little bitty amounts hoping I wouldn't notice, and now they've overdrawn my account and cost me even more money.

Comparatively negligible at this point, but I didn't realize it for three months, myself.

We are a merchant for amex. A mutual customer of ours gave us their card to charge for parts we purchased for them. We had a contract stating what our business agreement was. The mutual customer then disputed our charge with amex claiming fraud. We went back and forth with amex with documents for over a year. Finally amex refunded our money and the claim went in our favor.

Then I get a call from amex collections demanding we pay them, because they reverse the charges and paid this consumer back. They are threatening our business and stating we wont be able to use m/c or visa cards in our business. The collection person is extremly rude. What are our rights? The fraud dept at amex said if the customer continued to dispute this that she made her decision and the case is closed. That is not what is happening...

Demanding repayment of customers charges. Threatening our business. Over 1 year of letters and documents back and forth

I was behind on my account and AMEX contacted me to propose a payment schedule which I agreed to. I was making scheduled payments on time. Suddenly AMEX went back on the arrangment and turned my account over to a collection agency.

I contacted AMEX to clear up the matter, but they will not speak to me. HELP!

I last used my American Express card in 1994. I was fighting for custoday of my son at the time and had to quit work to do so. I could not pay my bill. I then (and REMAIN) disabled and have nomoney, equity, etc. American Express is now calling my home when this is well outside the state statute and has placed this on my credit making it look as if i used the card within the last 5 years

I went over the limit back in September. They increased by interest rate to 27.24%. I told them I could not pay that much interest. Had to consolidate my credit and have been on the plan since October. American Express has not helped me resolve my issues. I have been on the consolidated credit plan and have the money directly taken out of my checking. They still have not given me a break on the interest or fee. Bank of America has been working with me with an interest rate of 9% and not late fees.

I must receive at least 5 phone calls a day from American Express's dialer system. In the past hour I have received two calls and each time I had to tell them that the person they were looking to talk to was not here. This has gone on for 2 months from the time I wake up til I go to sleep. American Express hassels me and it is not even my bill. I am beside myself with the constant phone calls, but they still keep calling.

I have received a number of telephone calls from this American Express agency requesting various named persons at the time to contact them because the matter is important. I have called them and told them that these people do not reside at this telephone number and have requested that my telephone number be removed from their list. They have assured me this would be done.

I continue to receive these calls, today specifically at 11:12 AM. Previously, they have called several times a day and on many different days.This is a violation of the Fair Debt Collection Practices Act. I am being harrassed in my home which is also my place of business.

I received a call at my office of a Lady named Z. Zanabria. One of my employees that I supervise took the call in which this lady said she was looking for me because I had an account with AMEX and that they where going to sue me. This lady used all sorts of threat with my employee even said that they would conduct an embargo. I had never had any account with AMEX never. My boss has two accounts in which I appear as authorized person to RECEIVE INFORMATION!

I called first this lady Zanabria and she informed that I do have an account with AMEX and that indeed she called my office and spoke to my employee explaining that I was going to be sued, also that my credit report was damaged. I called the 1800 number and spoke with Mr, V. Delgado. I explained the situation and he continued the same line like the other lady, when I have him the accounts of my boss he realizses that they made a mistake and he tells me they are sorry.

I asked to speak with the supervisor and I was transfered to Ms Campos this lady also started to say that I was responsible to pay, when I requested her to read carefully the account she realized a mistake was comitted and she said she would retrieve all my information as contact information. I told her that she could not touch this without the approval of the cardholder an that indeed she was cerfifiying that my credit report was damaged and also that they comitted a terrible mistake.

The owner of the company that I work for wants to talk to me tomorrow. I am the head of operations of the company. My employees the ones I supervise are talking between them. I feel so embarrased that I dont know how to g back to my office. With apologies from them I cannot solve the way I feel,

American Express refused to work out a payment plan for my current economic crisis and as a result they hired a third party collection agency GC Services but wasn't satisfied with payment we arranged. Now they have hired another collection agency that is beginning harassment and threatening lawsuit

Just the stress of dealing with debt harassment getting nowhere negotiating some suitable payment with American Express

Arrangements made to pay American Express $110 per month for 12 months. If payments were missed or not paid on time. The amount would be due in full. The last payment was Jan. 3, 2009. No payments missed since agreement.

Undue Stress. Account given to Collection Agency for the total amount due, which breached the original agreements made with Amex Express

I made an agreement with American Express to make payments of $110/mo on one card and $100.00/mo on the other. The agreement was if I didn't miss a payment, I could continue in the program for 12 mos. Because I cancelled the credit card prior to this agreement, it was turned over to a collection agency which wants me to pay more money a month and continues to call everyday when asked not to call. The last payment was received Jan.3,2009.

I went into the hospital for four months. I resumed paying them and not using them. They have been absolutely crazy even calling my boss at his home? I thought that was illegal? I had a heart valve transplant. This has cauused me a lot of stress. They are getting payments but they are slow to post.

please cancel both these cards at once.

of Chase, but I don't want to take the chance..Thanks

I have been an American Express Optima credit card holder for over 10 years, and have had a perfect payment record with them for my entire time as their customer. My credit limit was set at $4500.00 and I had a balance of approximately $3000.00, but always paid on time, and most of the time, I paid more than the minimum amount required. Unfortunately, due to my own forgetfulness, I missed ONE payment by ONE day in December 2008. As a result, they hit me with a $38.00 late payment fee, and lowered my credit limit to $3000.00 so that the late fee put me over the limit. Not only did they do this to me, but they DID NOT NOTIFY ME.

My current statement (for which payment was due on 1/26/09) said that I had a credit limit of $4500.00, but the representative told me that they "decided" to lower my credit on January 2 -- one day AFTER my January 2009 statement was dated!!! When I asked the representative why I wasn't notified, she told me that a letter went out in the mail the same day that they lowered my limit. They told me that it was because of my inability to pay -- I was only ONE day late with a payment in over 10 years! When I stated that, the representative said that the company was also lowering their limits due to the poor economy. Fine -- if they want to lower my limit due to the economy, or because they all of a sudden find me an unfit customer after all these years, fine. But shouldn't they be required to give consumers some fair warning/notice? I wasn't even sent an email! And to this day (Jan. 7), I still have not received the letter that they said they sent out. Shouldn't there be a 30-day warning, or at least a two-week warning? It just doesn't seem fair...or legal...

In July-American Express Merchant Services approved a $50,000 transaction. Several days later they phones and said it shouldn't have been approved and demanded full pymt. We are an auto dealer and explained we did not have the funds to pay in full. We started making pymts and they accepted them. We paid them, $22,000 from July to Dec 2008-

Apparently they turned this acct over to a collectionn agency and on Christmas Eve Patrick G, unit Mgr from American Recovery Services phoned my home and office to speak with me. He made threats to my wife at home and to an employee saying there was a lawsuit. When I finally spoke with him he yelled, made threats-making my life miserable, disconnecting credit card machine and filing a lawsuit-he yelled as well for full pymt or else. A couple of other conversations and I phoned to refuse to deal with him any more and spoke with Robert who has supposedly agreed to a plan-

No one deserves this treatment-espcially a law abiding citizen trying to pay off a debt the best my company can-Auto dealerships can barely stay open and this is what we get-Thanks for your time.

On Thanksgiving Day I received an email from American Express stating that they placed a limit on my Gold Card. I've had the card for over 10 years and there was never a limit. The new limit which was less than the balance owed on the card. In other words, they cut off my credit line after over 10 years of a PERFECT payment record.

I phoned them that day and the representative cited several reasons for this adverse action, none of which were correct (e.g. too many new accounts, too many finance company accounts, demonstrated inability to pay balances when due, etc.). I explained that I have not opened up ANY new consumer accounts in over 5 years, I NEVER paid American Express or any other creditor a day late and I have absolutely no finance company accounts. There must be a mistake.

The representative told me to contact Experian. I immediately obtained an online credit report from Experian which confirmed no derogatory items whatsoever and no new accounts. In fact, my credit score was 749. I called Amex back and spoke with the same representative. She asked me to fax the credit report to them which I did (as if Amex does not have the ability to run a credit report). This was nothing but a rouse.

I called them 1 week later to follow up on my fax. I asked to speak with a manager and was transferred to a representative named Amy. Amy stated that they received the credit report but would not re-instate the account. She further stated that the decision was not reviewable. She then made up a bunch of lame reasons defending their incorrect reasons for cutting off the account. Amy was quite rude and refused to let me speak to anyone else. Although Amy misrepresented herself to be a manager, it was obvious that she had no authority or interest in resolving the issue.

I paid off the card and stuck it in a drawer to collect dust. In the past, American Express has always delivered professional and competent customer service. Based on the hundreds of recent reviews I have been reading about the exact same issues, it has become apparent that their service levels and overall competence has greately deteriorated. It is understandable that, due to the current economy, they need to make some policy changes.

They recently got emergency permission from the government to become a bank and recieved bailout funds. But hey, they need to own up to their own shortcomings...NOT blame their customers for their stupid business decisions. Use your VISA and MASTERCARDS. You will get much more professional service.

American Express has the right to suspend cards at any time...even if the account has a perfect payment record and it is Thanksgiving Day. I am not damaged as I have VISA and MASTERCARDS with generous credit limits. I have more than enough credit available. The reality of the situation is that American Express has recently become a bank and I suspect that thier change in policy has something to do with regulatory requirements (e.g. reserve requirements, etc.).

However, American Express has breached the covenants of good faith dealing by taking adverse action on consumer accounts and fabricating reasons for doing so. My income, assets and credit history are stellar. NONE of the several reasons given for this advers action are true. They know it and are not even willing to discuss it. Their low level representatives misrepresent themselves to be managers when, in fact, they have absolutely no authority to do ANYTHING. Their actions are probly not actionalble as a class action suit, but please print this as the public needs to be informed.

I joined a credit counseling program (ACCC) three months ago. They proposed to AMEX a monthly payment of $95.00. Until the proposal response would either be granted or denied they still took the amount of $95 and submitted to AMEX even though AMEX has neither declined nor granted the initial proposal. We received a call from a Nationawide Credit Inc. stating that AMEX has turned over my account to them for failure to pay on the account. The account is current as ACCC has been submitting the $95. If AMEX were declining the proposal why accept the payments of $95.00? Also if the account was current why did AMEX take it upon themselves to close the account and not inform the cardholder?

Also, when attempting to discuss this matter with AMEX a customer service representative on 12/11/08 at approximately 5:40 EST got rude, crude, nasty began screaming and hung up the phone on me. I want to know if AMEX have gotten so frazzled by the economy that they have begun to hire morons to replace good representatives or have they decided to cover their own behinds due to these losses that they prefer to just turn over pertainent, privledge information to third party companies to make up the loss of monies from those that are really bad customers and maybe that would explain why no statements have been received?

credit report have derrogatory report on it and I want this entire situation fixed by AMEX ASAP.

I have one of those 2.99% accounts which is for the life of the loan. Never use the card because it would be a higher rate. It is set up on bank draft and has been since opened. Yesterday I noticed they had not drafted my payment on October 30. Called them, recording told me my account was past due..talked with a CSR and was told they had a systems glitch. Not my fault..she would adjust account, take off late chgs, etc. My next payment would come out Nov.30 for both months. No problem.

Today I got a call from someone else..my account is past due. Explained to her yesterdays call. She said she needed both months today even though one is not due until December. Wanted me to ok draft on account today which I finally agreed to do because she said system would not be fixed by end of November???

Wondering if this is just a way for them to change to a default rate on these low APR accounts? How many other people were affected by their glitch?
Surely they knew there was a problem??

Why not contact customers?

I felt like it was MY fault from the way they talked.

If any one else is having problem with them, please send compliant to FDIC. I sent a form in because I feel like this affected a lot of accounts and this could cause many to have their rates raised.

None just want to make people aware of what could happen...I have all my accounts set up on bank draft. GOOD PROTECTION AGAINST DISPUTES ON WHEN PAYMENTS ARE RECD, ETC.

After being with American Express since 2000 I was dumped by them after the purchase of a new home. In the 10 years I have been an account holder I had been late twice, no more than 5 days. American Express sent me a letter giving me 7 days to respond to their request for all my financial information.

The letter was dated March 3, 2008, but was not deliverd until after the 7 days were up (March 23). They swiftly sent both my blue and gold cards account to a third party collection agency which demanded both accounts be paid in full, no payment arrangements would be accepted.

The company American Express used for debt collections is located in Canada, I believe so they can skirt US laws on fair debt collections. I did not have the $40,000 to immediatly pay this off. So they ruined my perfect credit and now I'm facing bancruptcy. This is the worst company in the world. I am interested in hearing from anyone else who has been dumped from American Epress to start a class action lawsuit.

My financial life is ruined. The stress resulting from this nightmare has caused me medical problems I am still dealing with.

I have been with American Express for 14 years and have always been on time with my payments. A few years ago I was offered the extended payment option, so that any charge over $100 would go on the revolving account. In the last couple of years I have had to put some car repair bills on the extended payment. My balance is about $9000. We have limited ourselves with our every day spending on the card so that know we will be able to pay the bill each month. My father passed away a couple of months ago and my husband and I have been traveling back and forth from Texas to Washington state to help my mom move near us in Texas.

We did not get the American Express bill paid until Oct 15th. Exactly three days late, I was contacted on Monday Oct 13 at work asking me about the payment and I told them about my father and that I would get the payment to them. They said that was not a problem this time. On Oct 15th I received a letter from them that was dated Oct 3rd (so it took 12 days to get to me) that due to my debt to income ratio from the reporting agency Experian they were suspending my extended plan.

Then on Oct 22nd I received my statement for which a $500 payment is due by Nov 11th, and I also received in another separate letter from American Express. It said due to me being a valued customer with American Express they wanted to sign me up for the extended payment plan. Of course I got on the phone to try to understand what was going on with both letters. The first girl I talked to transferred me to that department. Well that department is in India, the connection was so poor and she could not speak English very well that she had to hang up and call me back for a better connection. The connection still was not very good, but she asked me what date was on the letter to sign me up for extended payment plan. I told her there was no date on it just a reply by November 30, 2008. She said it was sent to me in error, even though it said Dear Ms, I was not suppose to receive it, and basically the joke was on me.

Okay, on to the next evening, I get a phone call from American Express about 8pm from a Tamika and she tells me that I have to come up with my minimum payment due of $500 that night or American Express would cut off my account. I explained that I just got my statement the day before and the $500 wasnt due until Nov 11th. So once again I asked to talk to a supervisor and his name was Chris Ball, and he did not have very good customer service skills to say the least. He told me due to my debt to income ratio I was out of luck and either I pay the $500 then or my account would be cut off. I asked him if I had ever not paid AX and he said that didnt matter and according to their agreement page they can do whatever they want, whenever they want to me and that I just have to sit back and take everything they dish out to me.

I asked him that I wanted it in writing about the $500 payment that night and he refused saying it is all in the agreement and he could send me another copy of the agreement. I just told him to close my account and that due to how they have treated me they just might go to the bottom of my list. They are determined to ruin my credit anyways with suspending my account because I wouldnt pay them the bill the next day after it arrives.

I am just really fed up with AX and after reading all the stories they must be in a world of hurt right now. The supervisor Chris B told me that AX was one of the few that was making money. Boy, he sure needs to do some research on his company. Oh, and I could hear the little clicks in the call with him and I told him that I knew they were recording me and he of course denied it. And today in my mail was a offer from American Express for the Black card which carries $450 per year. And another letter stating that because I am such a valued customer with American Express they are offering me a Blue card with 0% interest on balances for 12 months. How many more am I going to receive from their marketing department before they relay the message to them.

I had an Unsecured Card with AMEX about 10 years ago. I closed the card and now they say I owe $570.00. How can I owe them money when I put the money there? I created the limit by prepaying the limit amount. How can this be? I can't withdraw more than I put in as my limit. IT's AN UNSECURED CARD!

I need to open a Corporate card on behalf on the company I work for, but I can't open the card unless I pay the balance. Ok, I've been calling AMEX and they have the balance amount but is unable to locate the account in collections.

We are working with Colonial Pipeline now which we make at least $6000-10000 per week and they pay us almost every 90 days. We also work for Duke Energy again and make at least $8100 last week. These company normally takes 90 days to pay us. We will appreciate if you can help us put our credit limit of $7500 back. Please consider the way we pay them because situation occurs beyond our control. I thought american express help small companies, and I believe they are just like any credit card companies-Greedy. Please notify us and so we know what the decision is.

they had called my old job and had ask for me and since i no loger worked there my mom had took the phone call thinking it was for her the collector had said she had a bill from american express and my mom told her she never had an account and she started yelling at my mom calling her a liar, and asking for the address and then my mom gave her the address and then collecter said that my mom did have a bill and then she asked if your socal security number was my mom said no that is not my social security number. The colletor hung up after my mom asked for her name. Then my mom notified me telling me what happened and that this collector gave my mom my social security number.

they were giving information out and my social security number out to my mom.

My husband and I owe a significant amount of money to AEX as a result of job losses and relocation. I am currently unemployed and have tried to work out a payment plan with AEX but instead have had to deal with a collection agency that refuses to enter any agreement. They want us to try to refinance our car and pay them any equity from it in addition to making calls to relatives.

Continual phone calls and threats of lawsuits

I owed American Express $11,000.00. Had a run of bad luck and am without a job. They turned it over to collections, and now I am being harassed by Reuben Lopez. He is calling my parents daily and my in-laws and my previous employers, my wife's employer, and my neighbors. I have asked him not to call, and my parents have demanded he not call them again. He continues to harass them and others. Did I mention that I sent them $7400.00 and told them I was trying to get the rest of the money? But an unemployed person doesn't exactly qualify for loans.

My wife's employer is very upset at her, and she may lose her job. I am sure this has affected my chances of being rehired by previous employers who they have contacted.

My husband and I have had an account with American Express for many years now. We recently closed our account with them because, frankly, I would never have anything to do with this company again. History: In April 2005, I was diagnosed with breast cancer. I underwent chemotherapy and radiation treatments through the end of 2005 while working full-time. The treatments took a toll on me, and I was forced to leave my very stressful job. I was off work for 8 months, and we fell behind on everything including American Express. I am back at work, making less than I was previously, but I have a good, not too stressful job. All of our creditors were able to work with us through a credit counseling service except American Express. Our mortgage and car companies were able to work with us, also. I also wrote the head man at American Express. He didn't even bother to reply to me. I received a letter from someone else at American Express stating that I had not been turned over to collection.

A few days later, no lie, we started receiving phone calls from a collection agency. We have borrowed to bring our account current, which places stress on our aging parents, and then received a statement from American Express that says on it this statement is for information purposes only. This is not a bill. Please contact your collections agency for account information. Disregard the minimum due amount, your account is in default and the balance is due in full. Thanks Mr. Kenneth I. Chenault. How do you sleep at night?

I am at a point where I can meet their minimum payment, but the interest rate is currently 29.24%. I don't see this going away anytime soon.

I had two American Express cards - one with a balance of $5000 and one with a balance of $9900. I paid one off - the $5000 - and currently sent a payment of $1000 towards the other card to reduce the balance to $8900. However, Nationwide Credit has found it necessary to call my office and spread my personal information to others in my office. I feel sure this is a Privacy Act violation, plus I told them American Express is taking my payments, so please stop calling. Well, for a second time they have called my office, even though my Manager asked them not to. I am making payments as I can, yet they feel it best to keep the harassing phone calls even after they were advised not to.

I feel as though they have damaged my name by telling folks in my office my personal business information even though I am paying American Express as I get paid. I am tired of the threats, and people in my office now look at me and are all concerned about the calls. I do not have the money to pay the account in full or I would. These folks also recently tried to debit this balance out of my checking even though I called and specifically told them the funds were not going to be available - which is what they told me to do. They tried debiting the account 4 times, causing $140 in NSF Fees even though they were instructed not to. It's amazing that people can get away with violating the Privacy Act; and when I mentioned this, they just laughed it off.

In April 2007 I successfully completed a debt management program through Consumer Credit Counseling Services (CCCS). My plan included an American Express (AE) account with an agreement to waive all accrued interest when the account is paid in full. I received a letter from CCCS that my AE account (and all other accounts) had been paid in full and that AE considered my account paid in full. Shortly thereafter, I received a check from AE for the interest paid. There was no other acknowledgment from AE of their satisfaction and I continued to receive statements with a full balance. CCCS tried for months to resolve it with AE - I was also unsuccessful in even talking with anyone from AE. I did not make any payment to AE. Yesterday, I received a collections notice for this account. Now, CCCS is still pursuing a solution, but I am concerned about the impact on my hard-earned credit. It is unclear who is at fault in this situation - CCCS or AE.

Delinquent account, collections on credit report.

In June 2007, I was suddenly laid off from my job. Being a responsible person one of the most immediate things I did was contact all of my creditors and try to make arrangements for short term payment solutions. All of my creditors, Bank of America, Discover, Citibank made payment arrangements with me. American Express was very superficial and kept telling me how sorry they were and how they understood my situation, but would not or could not modify my payments. In lieu of making minimum amount payments ($800 month), I began making less than minimum (between $350 and $500 month). A month never went by that I didn't make payment.

As time went on the collection calls incresased. I was finally turned over to a person named Ms. Pacheco. In January 2008, things started to shape up financially for me and I called Ms. Pacheco to work out an arrangement to bring my account up to date. In our conversation I balked at the practice of not being able to make a modified payment plan and informed her that other creditors did it. She told me we are in business to make money. I told her that I was in now in a position to catch up and make payments to catch up and asked for relief on late charges, etc. She refused. I told her I would make catch up payments until it was current. She told me that my account was now being turned over to outside collection. She was rude and crude. I told her fine, I would deal with them. Today I received another collection letter from American Express. I called them and was informed that my account was turned over to outside collections. I got the name and number of the collection agency and called them. I made arrangements to pay the back amount in two payments and a reduced payment plan thereafter. Why was I able to work out something suitable with the outside collection agency when all of that could have been avoided if only American Express would have done that to begin with? I believe they purposely do that to ruin my credit rating and standing. And, believe this, I was told that once I paid my account I was pre-approved for another credit card.

The consequence was I believe American Express practices forced me into negative credit reporting and ruining my credit rating. The economic consequence was that I was assessed high penalties for being late and eventually the fees took me over my credit line, which resulted in even more economic hardship on my part. If they had a humanistic practice this all would have been avoided.

I have 3 American Express Cards which are 180 days past due. This past June, 2007, I was in an accident which prevented me from working for 3 months, I fell behind on credit card payments. I have medical bills on top of this to pay, along with everyday living expenses. I contacted 3 other major cards that I have and arranged payment schedules with them in November, 2007. I tried to do the same with American Express on their accounts recently and was told I had to pay the past due in full.

I have not the means to do this at this time; I am in the process of obtaining a small business loan to pay off these debts. I am a small business owner and have been working on a means of taking care of this problem. In the meantime I am willing to set up some reasonable payment plan with American Express to show I am making an effort, but if they are unwilling to do this. I don't know what else I can do. This has effected my personal credit score, and I am in the process of trying to get back on my feet.

I got into trouble in college with my bills. My brother took out a loan for me to settle with my creditors and all my accounts were closed. That was seven years ago. A few months ago, I got an offer to get the credit card again if I paid off what was left of my settlment. I declined as I still don;t hve that much money. Then I got a letter from them today asking for the delinquent funds of $900 and some dollars! When I told them that was seven years ago and that I settled, they told me I needed to call the bank I got the loan from and get a copy the statment or get a copy of credit report and fax it to them. I am so glad I don't have the card and if I ever become wealthy enough to get one, it won't happen.

I do not have any of the paper work as proof now!

January 2007 American express told me that I did not make a payment on my cards, I explained to them that I made two payments online as I always do and I gave them the conformation numbers. The verified one payment and said that the other one number was not on there computer. Do to the late payment that was not late they cancelled my cards and took away my 65,000 points that I had saved up to take our Daughter to Hawaii for her graduation present.

I Asked if I could still reddeem the points and have my cards reinstated do to it was the error and they told me no. I called back a few months later and asked about the points again and was told that I only had 30 days after the cards were canceled to redeem the points, I explained to them that is not what I was told when the cards were canceled.

A few months after that I decided out of spite that I was going to miss a payment on both cards to get there attention. Mistake on my part, they sent the accounts to a collection agency that is extremely ruthless and un ethical, they break all the rules. I called American express and told them the whole story, they agreed and said that if I caught up on the month behind and made another payment that was due to bring me current that they would pull the accounts from the collection agency. I have since been making my payment to Amex on through there web site as agreed. two months later that collection agency is calling me again.

I went into a debt management program in approximately April 2006. I owed American Express over $35,000 on three accounts with one being with my wife. Amex refused to participate in the debt management program and after originally sending our file to a collection agent, they retrieved it and agreed to accept monthly payments, originally $700 in 2006 and are now $800.

However, they continue to charge late fees and 30.24% interest. As a result, in the past 12 months, I have Amex over $7000 in payments, yet my balance has only been reduced by $400! Despite numerous calls and letters to Amex, they refuse to negotiate a better interest rate.

I have been placed on a special program with AmEx. and I have been making regular payments. I received notice that my next payment due is: May 2,2004. I made a 900.00 payment a few months ago and have been making regular $40.00 payments. Now, as of TODAY 04/22/04 I was sent to a collection agency. How can I be sent to a collection agency and still have an on time payment due 05/02/04. WHere are my consumer rights? I have not received ANY written notification nor is there ANY REASON for AMEX to take this drastic action! Obviously, AMEX appears to be unaware of my consumer rights under the LAW.

I had a collection rep. scream and yell at my friend who was here helping me at home. I am disabled and have medical problems! The collection agency is: Allied Interstate and the rep. name is: Carina. She yelled at John (who is an atty...my fiancee) that I should get out of bed. At no time did she ever identify herself and I was awakened, mind you I have medical problems.

Erica should file a complaint with the Federal Trade Commission.

I am an attoreny, who actually does HOA assessments collections work. I cancelled my Delta Sky Miles card over 1 year ago. I was 2 months late with my payment as my husband and I just sold a house, etc. I paid the owed amount. I was then called after that payment and told they were cancelling my account, even though I had previously done so. I said, "OK."

Then, I was 15 days late last month and had already mailed the payment when I received a call at work today saying if they did not have the full balance w/n 72 hours, they would add on interest, and eventually go after personal property and garnish my wages. I asked for an itemized statement of account, just attempting to confirm no hidden charges if it is paid w/n 72 hours. The guy then said I no longer had 72 hours notice as they mailed me a letter on November 14th so my notice period was up today. They need payment by tonight at 9:00.

They said they don't have to send me a statement. I know that is incorrect, but I have not been told that who to write a letter to. This is so wrong. They are violating the Fair Debt Collection Practices Act and this Allied Company lied to me in an attempt to collect the debt. I believe this is wrong and unethical. I will pay them all that I owe them, so I will not wait until they sue me; however, this treatment should stop.

I lost my job. I called all my creditors including American Express. I told them my situation. Exact words were, "We can't help that". I signed on with a settlement company. All my creditors were notified by me and by the settlement company by certified mail. I still continued to be harassed by S. Coverwell from American Express.

The company sent her a ceast and desist letter, certified. Didn't make any difference. Still continued to call me sometimes several times a day. One day a friend of mine answered the phone and S. Coverwell told this friend of mine, my business and told him to tell me I had to pay this bill or else.

I received a letter from AmEx saying that they would cancel my card if I didn't pay my bill. I didn't think anything of it, because I had paid the amount due, app. $1300, and the check had cleared the bank. We owe an additional $9000 that I have been paying off each month. Last Sat. morn. without any correspondence, I received a phone call from CS Services, evidently a collection service used by AmEx. They informed us that AmEx accelerated our account and wanted their money now and for us to use any means necessary, 401K loan, refinance, or anything and pay up. I said that was not possible and they gave us until Mon. morning at 8 to make a decision.

Since then, it is now Wed., we have been called by 3 different individuals all harrassing and borderline threatening. We have asked them not to call at work, yet they continue. I told them that we were not late with any payment and couldn't understand the situation. I even told them that how were we to know that they were legitimate, because we had received no correspondence with AmEx. They bluntly told me that we would receive nothing from AmEx. I want to pay the people, but not on their unreasonable terms, but something more sensible. I told them a workable situation for us, but they essentially told us that they didn't want our money unless it was on their terms.

The high pressure collections and the conflicting information we receive from each individual we talk to is something we are not familiar with. We always pay our bills and cannot believe how others in worse situations than ours must be treated.

The stress on us is unimaginable. We both suffer high blood pressure, and their tactics are causing us stress and pressure we do not need. Also, our 23 year old daughter was on our account since she went to college. They continue to threaten that her credit will be ruined, because she was simply a cardholder on our account. This will be devestating to us and her.

I realize that I am late on my credit card payments.I made a payment by phone sometime between 06/02 and 06/15/02 for $250.00. At that time the representative for Amex told me that I needed to make another payment before the end of the month, which I told her I would. I also asked if she could make a note to please stop the daily phone calls at my home and at my place of employment. She said she would.

Today, I get another call from Amex demanding payment by the 25th of this month. I told the rep that I was going to make a payment by the end of the month as agreed upon the week before. He then got rude and started yelling saying that he didn't care what I was told, and that HE is telling me that payment needs to be made by the 25th. I then asked to speak to his supervisor to complain about his rudeness. Guess what? His supervisor Mrs. Lee was just as rude, if not ruder. She started yelling at me over the phone to the point it was threatening. She said she was going to report my account and get my credit damaged.

I explained that I could make a payment by the end of the month, but that wasn't good enough for her. If both representatives were a bit more understanding I would have made a payment today. I felt like they have no compassion and should not be dealing with their clients if their attitude SUCKS. Mrs. Lee said she didn't care what I was told, she IS the supervisor and what she says goes. My credit card payments have become past due and I pay what I am able to pay. She didn't even want to hear that. All she cared about was getting her point accross by yelling and refusing to listen to what I had to say.

I feel bad enough that I am having a hard time to keep up with my credit card payments, but when the company supervisor spoke to me in such a demeaning manner I just don't think that their clients should be treated that way.