Amex Credit Card Complaint

Amex Credit card department,

Delinquent account New Hampshire

- : - ; - : - In -/-/-/-/-/-, I signed up for a payment plan with AME- to pay off my Green Card. Prior to signing up, I was informed by AME- that my account would NOT be reported to the credit reporting agencies as delinquent on an ongoing basis. Contrary to what they informed me, AME- began reporting my AME- account as delinquent to the credit reporting agencies beginning in - -. They reported " serious delinquencies '' : 30days/-/-/-, 60days/-/-/-, 90days/-/-/- and 120days/-/-/-. I disputed these inaccuracies with AME- for months from approximately - - to - - and also disputed them with the credit bureaus. It was -/-/- or -/-/- that I finally had a AME- representative inform me that he went back and listened to all the prior audio calls between myself with AME- and that I was - correct that this should not have been reported and that they would " re-age '' the account. The account was finally re-aged in - - ( after many more conversations with AME- ) and I was able to confirm that the delinquencies were corrected by pulling my credit reports from all - bureaus. I cancelled my


I pulled my annual credit report again in - - only to find that AME- had AGAIN started reporting the same delinquencies to the credit bureaus after I cancelled my AME- account. I disputed these once again in - - with - and - to no avail. I once again contacted AME-. AME- Customer Service advised that I would need to speak to the Credit Bureau Unit ( CBU ) to clear up my account and transferred me at this time. I spoke with - in the CBU who informed me that the delinquencies were still showing on Customer Service 's end and that I would need to clear this up with them first. - then transferred me back to Customer Service. - in Customer Service proceeded to inform me that " as of - - moving forward there is nothing on AME- 's end to correct '' and that I should submit a copy of my credit report to AME- CBU. I was told several times by - that there was " nothing to correct '' on AME- 's end. When I questioned his reference to - - forward ( the delinquencies were reported in the prior months ) and threatened to contact CFPB and an attorney, - confirmed ( after keeping me on hold for approximately 10 minutes ) that the account would be re-aged once again and corrected with the credit reporting agencies. I was told to check back with their CBU on -/-/- for a status updated. I also requested a letter on AME- letterhead stating that the account has never been delinquent since its inception in -/-/-. I was told to wait until the re-aging was completed and request the letter in writing. On -/-/-, I spoke w/- in the CBU who confirmed that the account was reaged. I was then transferred to - in Customer Service to request a letter stating that account was never delinquent from its inception in -. - advised that the account has been current since " - - '' and that they would not provide a letter. Spoke with - 's supervisor - who advised that AME- does not have a standardized letter that states the account was never delinquent and could not produce a letter stating same. Advised AME- that a complaint would be filed with CFSP and that I would most likely speak wit an atty. To date, my credit reports are not fixed. I have had 2-3 creditors drop me because of AME- 's wrongdoing contributing to a horrific FICO score that dropped down to - -. I have confirmed with - that AME- corrected the delinquencies w/- back in - - and then began reporting the account as delinquent again which they are not supposed to do. AME- still refuses to provide me a letter stating the account was never delinquent.