Product: Credit card or prepaid card

My payment on time history was 100 % on time payments up until I was victimized upon moving to the City of XXXX, when in the middle of moving to our purchased home. My severely XXXX son 's entitlements were terminated due to fraud, Bad Faith and even subjected to criminal activity, trying to intimidate us. In the spring of last year, they let us to total financial collapse, XXXX  XXXX, undue hardship and even criminal acts due no absolutely no fault of my own. At XXXX years of age, I'm committed to high integrity and caring for my son, sacrificing my professional business startup Since ; I when was in the middle of moving and have 10 days to give change of address notice, his benefits were canceled and lead to a domino effect. Then the repeated harassments, discriminations and even criminal acts followed for months! In fact ; I've learn that he was misclassified twice and learned that I will get triple income! I had a hearing 4 months ago, but no decision has been made! I hired a consolidation company, but they defrauded me also. I terminate them and demanded a refund. Since, they were planning to cheat my banks. I had many credit cards in order to make about {$3000.00} per year supplementing my income. Since ; currently I get paid about 1/4 of the time it takes to care for my son! 
I started re-negotiating with all my credit cards ; however, 3 banks did not choose to work with me! Thus, American Express is the worst of them. I WAS PAYING {$100.00} INTEREST TO THIS ONE CARD ; WHICH, PROMTED ME TO TRY TO CONSOLIDATE. They would not work with me, even though I'm willing to work with them. Today, once again, I received a statement from American Express ; however, it indicates the following message, " This is a statement only ... & must contact the law firm and pay your account in full {$4200.00}! They are ruthless, acting in total Bad Faith, and no concern of being victimized big time. I even sent them an email. They prefer to pay someone to collect from me. However, since, I did not do anything wrong to cause all of this and before all of these, I perfect payment record and a credit score of XXXX. It's beyond AMEX and two other cards chose to pay someone to try to collect from me, but I WILL NOT DEAL WITH THEM, when I'm willing to deal with the credit card companies directly. Fortunately, most of the other companies are dealing with me directly and have caught up with my payments. I wrote to AMEX and asked them if they would be willing to work with me and get their balance paid of instead of hiring a debt collector and get nothing from me and having to pay them! 
AMEX is definitely acting in bad faith. Here 's an executive I contacted email address : American Express Executive Assist XXXX. Here 's his response but nothing came of it : " Thank you for contacting the Executive Office of American Express We will do everything we can to address your concerns by researching your claim. Please expect a follow up from me no later than XX/XX/2020. If there is a preferred day and time that you would like for me to contact you, please let me know and I will do my best to accommodate your request. 
Please don't hesitate to contact me if you have questions or additional information that might assist our Executive Offices in addressing your concerns. 
Sincerely, XXXX XXXX American Express XXXX Assistant '' Once again ; I'll not work with the debt collector when I'm willing to work directly with AMEX. Sadly, they don't appreciate a customer that has had perfect credit even though I'm a XXXX senior but very responsible. I can repeat, all my credit can verify my track record of perfect payment record! Instead AMEX choses to victimize me rather than assume I messed up and figure out what happened to me. I've explained all of it to them, but they will discriminate instead! But I'm still willing to work with them directly. Here 're some of the complaints online : " One Star : " Top 44 Reviews and Complaints about American Express ... '', " XXXX American Express Reviews and Complaints @ XXXX Consumer, " " American Express Reviews, Complaints & Contacts ... '' And many other online complaints! It's beyond me why this business choses to have such a bad record and so many complaints! Thank you for your help!