Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NC)

I previously sent a complaint regarding this same issue but the problem was not fixed in its entirety. There was a monetary fix but the company did not fix the credit reporting. I disagree with their decision because I have documentation supporting how I made many attempts to close account and pay off balance and although I first disputed the claims the company was making it took over 6 months for them to even address the issue in any substantive way and it was only after I filed the CFPB complaint. 

I closed the account in XX/XX/XXXX and attempted to pay the balance in full except for the late fee which was disputed because they never notified me of an address change for the payment mailing address. In a previous statement, the company stated they notified me in XX/XX/XXXX but this is not the case. If this was the case then why wasnt it until XXXX of XXXX when my payment was returned? I was never notified of the address change and I had been mailing my payments to this same mailing address for years automated through my bank account. 

I have attached a conversation from XX/XX/XXXX through the chat on the AMEX app that supports my allegations. I appreciate them making a monetary fix but please fix what has erroneously been reported to the credit bureaus. I had been an AMEX customer for years and I never had this problem with erroneous late fees and interest charges until I closed my account in XX/XX/XXXX which they did not report accurately in their system until the disputes were continuously escalated in XX/XX/XXXX. It almost seems vindictive for me closing the account because I do not understand why I have been caused so much distress over what amounted to {$200.00} which I never should have been charged because I closed the account and filed a dispute when they kept adding on interest and late fees after the closure even though I had two separate AMEX reps quote me the final balance so I would cover the balance in full. 

I am attaching my conversation with an AMEX rep from XX/XX/XXXX. Again thank you for rightly removing the monetary claim. I ask that you please correct the reporting to the credit bureaus as well dating back to XX/XX/XXXX but at the very least dating back to XX/XX/XXXX when I closed the account and paid the balance in full based on the balance an AMEX rep told me in my best attempt to pay the full balance correctly. Please remove the erroneously reported late fee payment history given that no further charges should have accumulated once I closed the account and paid the balance in full and I should not be held responsible for not being told the change in payment mailing address when I have been making payments to AMEX at that address for years automated through my bank. If you have any questions, I am happy to answer them. This is in regards to AMEX account identifier XXXX with the credit bureaus. I will continue to escalate this issue as it goes against the Fair Credit Reporting Act. I am a physician who works very hard and at my wits end on why AMEX is not doing the right thing. I have been trying to resolve this in its entirety since XX/XX/XXXX. Thank you in advance for your attention to this matter.