Consumer complaint received 2015-09-17
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card
Issue: Billing disputes

Complaint:
American Express decided to call my cellphone, the home phone number also, using a phone number with no caller id, in order to require the full payment that is not suppose to be that way, because the Extended Payment Option of this Gold Card I still have with them, was cancelled by them in an unfair manner, due to an incorrectly reported past due XXXX XXXX XXXX, now under the U.S. Department of Education for repayment. This problem is perfectly evidenced in my complaint against American Express here, now under " Response disputed '' status, Case number : XXXX. This complaint, is about this bad and unfair practice of American Express, of calling me using a phone number with no caller id, so no identifiable record of the phone number will appear at any telephone company statement of account, or any phone number, that can be identified as American Express. I took the phone call once, on a Sunday where I was at an XXXX with my father who required this visit to the Hospital XXXX XXXX, located in XXXX, XXXX XXXX. And the man who spoke over the phone, had no idea of my previous complaint against them for bad customer service still here active, now just minutes ago, XXXX XXXX, 2015, at XXXX XXXX pm, they called the home phone number, again showing " unknown '' with no phone number displayed at the home phone, no caller id, and they told my mother living here XXXX XXXX from American Express wanted to talk to me. He said that the phone call was being recorded for quality control, as always, but I told them tht they are still calling with no caller id, and I already explained to them last time I took a no caller id phone call from them, that I will not pay attention to this kind of no caller id phone call, from anyone, that does not allow us to identify them as American Express at the phone bill, and is for the same situation I explained to them during months, explained and evidenced in the other complaint, now under Response Disputed Status. They simply do n't care, and it is useless to explain and evidence things to this kind of people, I always pay to them, their experience shows that, but I am not going to send personal information to them anymore, and the mortgage loan in process made by my family could be used to pay the disputed amount, and allow me to pay with the extended payment option. Instead, this time XXXX XXXX said tomorrow they will report my account as delinquent to the credit bureaus, is totally unfair. There are 13 phone calls with no caller id showing in my cell phone now, since last Sunday, XXXX XXXX 2015, many others appear at the home phone, and I am not going to send evidence of my problem at work to them again, this situation is unfair, they know it, but they just pay attention to the " we are not doing anything illegal '' argument bad lawyers use, same one they used in the response received from them that I disputed, Case number : XXXX. The only thing added this time, is that XXXX XXXX was aware of the response disputed here at the C.F.P.B, of Case number : XXXX last XXXX XXXX 2015, and that they simply will report the credit card tomorrow as delinquent, I ca n't send this person more evidence because of the way they handled everything, but you can see XXXX documents that proof the mortgage loan is real, and it should cover the disputed amount and allow me to continue with the regular payment of the other active card I have with them. I would prefer that American Express do n't see those documents, but I have to send some evidence, that is real that my Family is helping me through this situation, and the final XXXX steps are just days away, in order to finalize this loan. There is also a complain at the U.S Equal Employment Opportunity Commission and at the United Nations because of all this. Please contact me to verify if I selected the best option for describing the issue.

Company response to consumer: Closed with explanation