Jessica
Miami,#2UPDATE Employee
Mon, March 29, 2004
Send this collection company a certified letter asking them to cease and desist all further communication via phone and (and if you want via mail also). After this, it will be against the law for them to make further contact with you. Also, tell them you will see them in court if they want to garnish your wages. That is the only way they can force you to do anything is to take you to court. If they further continue to call you after you send the certified letter, you can sue them for harassment. Its amazing how the phone calls immediately stop! Also, you should send amex a certified letter asking for copies of all of your statements for the period you requested. They can be provided. You also might want to start checking out your account online to make sure this doesn't happen again in the future.
Miguel
Ft. Lauderdale,#3UPDATE Employee
Thu, December 11, 2003
From your letter I deduce that you had a debt with American Express that was not paid and after trying to collect unsuccessfully, Amex sent your account to a collection agency. You can not call American Express to try to make payment arrangements anymore but you are certainly welcome to call them to request copies of the statements that you have doubts about. It is only when you try to talk about payment that they will shut the door and refer you to talk to the collection agency because the agent will not have online access to that part of your account anymore. American Express does not endorse or condone bad practices to collect and you can ask for the address for the Legal Dpt. in New York where you can write to advise of any illegal schemes the collection agency is using to try to collect. American Express collects this data and uses it to determine if it should continue doing business with that type of agencies.