Date Received: 2018-11-07

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I got a letter two days ago from American Express ( two addressed were on the letter : XXXX, NJ was on the letterhead and XXXX XXXX, FL was on the bottom ), stating I owed {$37000.00}. I have not had an American Express account for many many years. I have not had any communication with AE for years and my credit reports do not provide any evidence of it. I could not get an account now if I tried since a few years ago I got health issues and would certainly not be approved for any credit.

The statute of limitations for any earlier amounts would have been way beyond any collection efforts and this threat to avoid collection activities is unethical and illegal. I will be sending them a certified letter, but would like this notes and followed up for company censure.


State/Zip: TX 760XX

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Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3067665

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

See also  CREDIT CONCEPTS, INC. - CFPB Complaint 2018-01-18
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