Consumer complaint received 2022-04-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX American Express decided to closed both accounts I was having with them since XXXX. After using my card and getting an error I decided to call American Express and asked what happened, I was then informed of their decision and also told the full balance was due immediately, I then with the customer service representative on the phone agreed to make a payment of the total balance of both accounts that same day and also to deactivate the auto payment. The payment went successfully and on XX/XX/XXXX the money was taken out of my acct and applied to the final open balance. 

After that day, it was clear that the accounts was closed and satisfactorily paid in full. By the next month XX/XX/XXXX the statement that I got from American Express was for {$7.00} on fees incurred after paying the final balance which was paid again. But by XX/XX/XXXX American Express without my consent activated the automated payment and proceed to take {$590.00}, I immediately put a stop payment since I didnt know where that amount was coming from after couple of months of the accounts been closed and paid in full, I decided then to call American Express to get some clarity but that wasnt the case. Once you are not a costumer of them, the treatment is just horrible I couldnt understand where the money was coming from so I decided to start a dispute with the which was not accepted and also with XXXX ( XX/XX/XXXX ). 

The problem continue and havent had any straight answer from American Express, they reported me on my credit bureau as a late on a paid satisfactorily account. I had spent countless hours trying to get an answer from American Express, getting a supervisor or a superior for help is impossible. 

I had open 3 disputes with XXXX the most recent one was XX/XX/XXXX. I had made follow up calls with American Express as the interest and late fees keep mounting up and they refused to put a stop even on an open investigation, and had refused to put anything in writing for me. I dont understand how a closed and paid in full account can months later have such a big balance not to say that now the balance is {$1000.00}. 

I requested all my bank statement to American Express ( XX/XX/XXXX ) they after a month sent them to me ( XX/XX/XXXX ) after carefully reviewing them the month of XXXX and XXXX showed not actively thats due to the account being closed, but then by XXXX there is a balance of {$590.00} apparently of some bounce payment from the prior month ( XXXX ) when there was not activity nor was any monies due from my part. 

My credit report has been severely affected as American Express is reporting me as late, but not answer or explanation has been provided, American Express should take responsibility for not mention of any grater or different balance after the account was closed and paid satisfactorily I am a single mother, who was hit hard by COVID, my XXXX  and XXXX has exacerbated with this situation, is just not right to charge someone with something that doesnt make sense, it seems that American Express made a error and dont want to take any responsibility

Company response to consumer: Closed with explanation