Consumer complaint received 2022-12-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
American Express lie about the $ they say I owe them Back in XX/XX/XXXX they notified me that my regular loan payment had not been made. So they charged me a late fee of {$39.00}. In looking into this I saw that my automatic payment through my XXXX bank account, that I made every month since opening the loan, had for some reason not been accepted by American Express. 
Then I went through the record of my account and saw that they had also charged me a late fee in XXXX for a payment that was not made on time. And I never realized that until I looked it up and saw it. Neither of those late fees should have been charged to me because whatever the problem was in them not receiving payment was not my fault or my bank 's fault. It was some mistake that they made! 
So I tried calling them to discuss it and the person I got on the phone didn't even speak XXXX XXXX  I couldn't understand her and so I just hung up the phone. 
Then I searched their website and XXXX page and all the information I could find, to try to email them. And they don't offer or accept any emails! 
And I prefer email because it's documentable, whereas a phone conversation is just hearsay and I don't have the capability of recording a phone conversation. 
So because of all this inability to communicate with them I went over my account and what I owed them and saw how much I owed which was {$3300.00}, and from that I subtracted the two late payments amounting to {$78.00} and paid them the balance of money that I owed them, which by my accounting was {$3200.00}. XXXX pd. leaves a bal. of {$3300.00} minus {$78.00} for 2 late fees never credited = {$3200.00} owed and {$280.00} in interest paid. 
Ever since then, they have been billing me for XXXX XXXX XXXX. I forget the exact amount, and the illegal thing that they have been doing is that they have been calling me and not even leaving messages! They call and let my phone go to voicemail and then they don't say anything into the voicemail but the voicemail still registers as if it received a voicemail. So every day now for the past several months I've been getting these harassing calls without messages, XXXX per day, and I have blocked quite a few of the numbers that they have called me from, but it seems they have an unlimited amount of phone numbers they can use, because the blocking and reporting the numbers as spam, doesn't seem to stop them and that is why I'm sure this is illegal and harassment and should not be allowed! 

And, since writing this original complaint in XXXX and seeing if the credit unions could help ( which they didn't ) I got three different attempts on XXXX to get money from me from three different strangers. I also got an attempt on my XXXX bank account and my XXXX account from two other strangers making attempts to get money from me. 
This kind of thing has never happened to me before and I wonder if American Express, and or, some of their employees are behind these attempts, because they do have some information about my financial data? But I think I do keep most or all of my information pretty secure and protected with passwords etc. 

But with these attempts being made, it looks to me as though XXXX, XXXX, and XXXX, would have gone through with paying these strangers my money without my knowledge, permission, or authorization! 
And I had to go through a lot of mumbo jumbo with them to tell them not to pay them! And this definitely is not fair or legal and if it is somehow legal then I can't believe that! 

So, if you can help me to put a stop to this, I would certainly appreciate it and appreciate my credit rating being restored back to what it was before they started all of this lying and deception, because my credit rating shouldn't have to suffer because of what they are doing.

Company response to consumer: Closed with explanation