Consumer complaint received 2016-05-02
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX : XXXX ; XXXX : XXXX In XX/XX/XXXX/XX/XX/XXXX, I signed up for a payment plan with AMEX to pay off my Green Card. Prior to signing up, I was informed by AMEX that my account would NOT be reported to the credit reporting agencies as delinquent on an ongoing basis. Contrary to what they informed me, AMEX began reporting my AMEX account as delinquent to the credit reporting agencies beginning in XXXX XXXX. They reported " serious delinquencies '' : 30days/XX/XX/XXXX, 60days/XX/XX/XXXX, 90days/XX/XX/XXXX and 120days/XX/XX/XXXX. I disputed these inaccuracies with AMEX for months from approximately XXXX XXXX to XXXX XXXX and also disputed them with the credit bureaus. It was XX/XX/XXXX or XX/XX/XXXX that I finally had a AMEX representative inform me that he went back and listened to all the prior audio calls between myself with AMEX and that I was XXXX correct that this should not have been reported and that they would " re-age '' the account. The account was finally re-aged in XXXX XXXX ( after many more conversations with AMEX ) and I was able to confirm that the delinquencies were corrected by pulling my credit reports from all XXXX bureaus. I cancelled my AMEX card at this time. 
I pulled my annual credit report again in XXXX XXXX only to find that AMEX had AGAIN started reporting the same delinquencies to the credit bureaus after I cancelled my AMEX account. I disputed these once again in XXXX XXXX with XXXX and XXXX to no avail. I once again contacted AMEX. AMEX Customer Service advised that I would need to speak to the Credit Bureau Unit ( CBU ) to clear up my account and transferred me at this time. I spoke with XXXX in the CBU who informed me that the delinquencies were still showing on Customer Service 's end and that I would need to clear this up with them first. XXXX then transferred me back to Customer Service. XXXX in Customer Service proceeded to inform me that " as of XXXX XXXX moving forward there is nothing on AMEX 's end to correct '' and that I should submit a copy of my credit report to AMEX CBU. I was told several times by XXXX that there was " nothing to correct '' on AMEX 's end. When I questioned his reference to XXXX XXXX forward ( the delinquencies were reported in the prior months ) and threatened to contact CFPB and an attorney, XXXX confirmed ( after keeping me on hold for approximately 10 minutes ) that the account would be re-aged once again and corrected with the credit reporting agencies. I was told to check back with their CBU on XXXX/XXXX/XXXX for a status updated. I also requested a letter on AMEX letterhead stating that the account has never been delinquent since its inception in XX/XX/XXXX. I was told to wait until the re-aging was completed and request the letter in writing. 

On XXXX/XXXX/XXXX, I spoke w/XXXX in the CBU who confirmed that the account was reaged. I was then transferred to XXXX in Customer Service to request a letter stating that account was never delinquent from its inception in XXXX. XXXX advised that the account has been current since " XXXX XXXX '' and that they would not provide a letter. Spoke with XXXX 's supervisor XXXX who advised that AMEX does not have a standardized letter that states the account was never delinquent and could not produce a letter stating same. Advised AMEX that a complaint would be filed with CFSP and that I would most likely speak wit an atty. 
To date, my credit reports are not fixed. I have had 2-3 creditors drop me because of AMEX 's wrongdoing contributing to a horrific FICO score that dropped down to XXXX XXXX. I have confirmed with XXXX that AMEX corrected the delinquencies w/XXXX back in XXXX XXXX and then began reporting the account as delinquent again which they are not supposed to do. AMEX still refuses to provide me a letter stating the account was never delinquent.

Company response to consumer: Closed with explanation