Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OK XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, VA XXXX Subject : Complaint Against American Express Regarding Debt, Accruing Interest, Late Fees, and Harassing Collection Calls Account Number : [ XXXX ] Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express concerning their handling of my account, specifically regarding accruing interest, late fees, and their persistent and harassing collection calls. 
My American Express account number is [ XXXX ]. I acknowledge that there is a debt owed on this account. However, I am experiencing significant difficulties with the manner in which American Express is managing this debt, leading to undue financial burden and severe emotional distress. 
Specifically, my concerns are as follows : * Accruing Interest and Late Fees : Despite efforts to manage the debt, the continuous accrual of interest and substantial late fees for missed payments has made it exceedingly difficult to reduce the principal balance. I believe these charges are excessive and contribute to a cycle of debt that I am struggling to escape. I request a review of the interest rates and late fees applied to my account, particularly in light of my attempts to communicate and resolve this matter.

* Harassing and Disruptive Collection Calls : American Express has been calling me at random hours, daily, on my phone number, [ XXXX ]. These calls are occurring [ early mornings, late evenings, weekends, calls where they immediately hang up ]. On multiple occasions, I have explicitly requested that American Express cease these calls due to the stress and disruption they are causing. Despite my clear requests, the calls have continued unabated, causing significant anxiety and interfering with my daily life and work. This relentless calling constitutes harassment and is a violation of my right to peaceful enjoyment, especially after I have requested their cessation. 
I have made multiple attempts to resolve these issues directly with American Express. I have called and spoken with their representatives multiple times on [ various dates over the past several months/weeks to try and come to a fair resolution. However, each time I have been met with significant pushback and an unwillingness to compromise, despite my genuine efforts to address the debt. This unwillingness to work with me, coupled with the ever-increasing debt due to continuous interest and fees, has only compounded my stress and made it impossible to reach a sustainable solution. 
I am seeking your intervention to investigate these practices and help achieve a fair resolution. Due to the significant harm, harassment, credit score/report damage and stress caused by American Expresss practices, particularly their relentless and unlawful collection calls despite my requests to cease, I request that the CFPB compel American Express XXXX XXXX * Immediately close my account and void the outstanding debt. I believe this is a just resolution given the severe emotional distress and disruption to my life caused by their persistent and harassing actions, which I consider to be in violation of the Fair Debt Collection Practices Act. 
* Review and potentially adjust any interest and late fees applied to my account that have accrued unfairly, should a complete voidance not be possible. 
* Immediately and permanently cease all harassing and unsolicited collection calls to my phone number, as I have repeatedly requested. 
* Adhere to all fair debt collection practices as outlined by federal law. 
I look forward to your prompt attention to this serious matter and appreciate your efforts to protect consumers from unfair and abusive financial practices. Please contact me at XXXX or XXXX thank you and look forward to a prompt resolution to avoid any further damage. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation