Consumer complaint received 2018-05-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American express I have a very good relationship with and payment history of over 200k. The charge card I have " American Express Platinum '' is paid in LARGE sums every month. The report of " unpaid '' or Past due '' in XX/XX/XXXX is IN FACTUAL circumstances wrong, and misrepresents truth. This is because the portion of the balance was IN FACT paid. Only because a small portion of Amex left unpaid, and but for the FACT - - it is a " Charge Charge '' not a credit card as is being reported, that amex is reporting the card as " past due '' in the time frame ofXX/XX/XXXX XX/XX/XXXX. Reporting my account is " unpaid '' or in arrears is a MISS REPRESENTATION of my paying capacity, and my credit worthiness. Under the fair credit reporting act it is " unfair '' to not report full circumstances. FACTS being reported XXXX andXX/XX/XXXX are a bad reflection on my credit, I hereby request be expunged. I DO have good credit payment history with AMEX and do pay AMEX. If it was a credit card, as the AMEX report being reported on my credit file suggests, ( but its not a credit card ) then under the circumstances of being a credit card, if the FACT I made payments, and " a portion balance '' payment, I HAVE satisfied the fair credit worthiness associated with paying a credit card and the credit reporting act. Its herby requested that amex expunge the reporting to reflect I paid. There were some hardships at the time. These were reported verbal to AMEX at the time, who did call me too, to discuss. I did Pay Amex under the hardship circumstances, as much as I could " AS AGREED '' with amex at the time. AMEX, STOPPED all my rewards points too for not paying in full. Again this is NOT the practice of a " credit card ''. I am a good customer of, AMEX and AS A GOOD CUSTOMER AMEX, should provide " Customer Service '' and " forgiveness too '' and be compelled to report fairly on my credit that I did make payments. At the time period that I was in fact going through hardships. The fact remains as a truth, I did IN FACT pay " as I agreed, I could and would '' with amex. I paid what I could at the time. We all experience circumstances in our lives like this, however in my case it worked out well. ALL of the hardships I went through and XXXX XXXX, are now resolved and well behind me FULLY resolved. My income today is back to over $ 200k, and I am married to a man earning more than 200k too. My time period of XXXX and XX/XX/XXXX with Amex needs to be changed on the credit report to reflect truth and facts that I did pay at the time. And pay as I agreed with the credit provider on the phone at the time I will. The full balance may not have been paid, but at the time, I did agree to pay what I can and " I DID PAY AS AGREED ''. As referenced already herein, If I was to pay BUT a small fraction of the amount I paid on my AMEX to a credit card, it would have satisfied FACT that I am a good payer. My full AMEX reward points for the VOLUME of money I spent USING amex card should too be credited to my account, as under the circumstances the regular card policy changed because I made arrangements and agreements with Amex on the phone to pay. My account IS in good standing, and I should not have been penalized with loss of points because of medical issues and hardships at the time. Hardships I defeated, and today I am in good standing with money and Amex. I can provide XXXX if necessary to validate my over $ 200k a year income, same employer for over 8 years.

Company response to consumer: Closed with explanation