Consumer complaint received 2021-03-26
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To : the Consumer Financial Protection Bureau Hi, My problem is with American Express. 
For many years I was a great customer of theirs. I put all my busyness, travel and supplies expenses on the card. ( Platinum and Gold cards ) and paid in time. 

In XXXX my Busyness took a big hit. My biggest client could not pay me, and I called Amex and said I would be a little late with the payments. 
In XX/XX/XXXX I owed them this in the " pay over time '' in credit card debt {$42000.00} They said ok and we where in contact from XXXX to XXXX. I would pay what I could and I did, and told them a big check was on the way. 
In XXXX I called to send in a payment of {$8900.00}. 

I was told my account was cancelled because I was two days late. I said late for what? I have talked to you every week this month letting you know that the money is coming, nobody mentioned a deadline, We where all in Agreement And I am sending you a big check. 

No they said, somebody must have told you. I said NO!, find the recording of our conversations where that was mentioned. They could not find it. 

My account was closed and I lost XXXX points. 
That is many round trips to XXXX for me and the wife. 
XXXX where very hard on our business : Gallery and Art sales. 

So the last month I used the card : XX/XX/XXXX i owed : {$42000.00} I got on a payment plan and by XX/XX/XXXX paid them : {$45000.00} The last 12 months I was on the plan XXXX XXXX to XXXX XXXX I paid. {$9600.00} And those 12 months Paying {$9600.00} my debt vent from : XX/XX/XXXX ... ... ... ... XXXX {$23000.00} to XX/XX/XXXX : ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... XXXX!! 

They : AMEX and XXXX had increased the interest so there was no way out for me. 

I called the company AMEX was using : XXXX, and said I, m going through a bad time financially, I have paid of the principal plus interest, but the numbers are not going down and my business is hurting. Let 's talk about a resolution thats fair. They blew me of for some months while they kept adding interest to a total of bill of ... ... ... ... ... ... ... ... ... ... .... {$21000.00} Then they informed me they where not representing the case. I called AMEX and they did not know what was going on. 

Then I got sued. 

AMEX did not let me know about a deadline for payment and that i would loose the XXXX points. 
They did not let me know I would be sued. I have been dealing wit the initial Lawsuit for years. 
I was never served, but found out about it from lawyers wanting to represent me. 
So AMEX wanted to sneak a judgment by without me knowing. I have been in contact with the law firm and it looks like they are dropping the case. But they did not file what we agreed on and that i Signed. But something else, something more open ended. It is still going on. 

And now I just found out that I'm being sued again by a different firm for the same thing. 
I can not be sued for the same thing in two states. And I am asking for a dismissal for duplicate action. 
And again I have not been served! They are trying to get a settlement by a judge without my involvement. 
. 
This is amateurish and hurt full. In fact it's servitude and slavery, and I am perfectly willing to go to the press and talk about this flaw in compound interest. It has cost me a lot over the years and kept me down, They killed my credit rating so I have to run my business on cash alone, I can not even lease a car or get equipment. 

The way I see it I have paid back the principal plus interest. 

owed : {$42000.00} paid : {$45000.00} I lost XXXX points of value, they want {$21000.00} in compound extra interest, I think that cancels each other out. 

My AMEX account has been canceled, and I do not have the complete account NR. Just the Last 6. 
I am attaching an Amex statement and a statement from XXXX. 

XXXX XXXX Court Case : XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX XXXX case NR. XXXX Please advise XXXX

Company response to consumer: Closed with explanation