Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX Was notified by my parents that my account is on hold and they were working to figure it out. 
XXXX I call my bank ( XXXX ) and ask for who to speak with and they brought me to american express legal team. I have never had a card with american express. They would not provide information since I am not on their record of having an account with them before. 
XXXX I called back XXXX and asked to speak with someone else since customer service line was not helpful. I only got the answer after multiple conversations with XXXX and american express from having a text message conversation with XXXX and they brought me to XXXX  garnishment department. The reason my account got put on hold was because my dad is a co-signer to my account and the reason my account was put on hold was because he was on my account so american express took my money too and my parents and didnt pay attention to what they did. After discussing with the garnishment team from XXXX they gave me there fax number, email to the paralegal and docket information to the case. My mom speaking with American express during that time didnt show any drive to help till after much back and forth while i live in college and had to use other peoples phones to have three way calls with my parents, XXXX XXXX and american express . I found myself to be screwed in terms of not able to do anything with all my money being on hold. My mother explained to me they made a mistake on my account being held and they stated they couldnt take it away because the answer of garnishment was not submitted although it was per XXXX on XX/XX/XXXX at XXXX in the XXXX  and after both myself and my mother explained it was submitted american express changed the story to the answer of garnishment was not specific enough to explain that my parents had the money wanted from american express and that they are holding my account a not member and never will be holder of american express as well. My mother pleaded with them to let my account go at the very least but due to their attorney not working that day they werent willing to make any changes. 

XXXX I had to call XXXX garnishment to write another notice of release/answer of garnishment and specify the accounts being different. I provided XXXX garnishment American express supervisors phone number, the paralegals email and attorney email although XXXX only had the attorneys email on file to submit to as he was the issuer from american express side but per american expresss supervisor explained that email is incorrect. 

XXXX My mother called american express to find out how the process was going and by XXXX the supervisor there was no movement. 

XXXX My mother called american express again to talk to XXXX the supervisor and still no movement but was told to call back Monday my mother explained we will be calling everyday. 

XXXX My mother calls American express and XXXX XXXX that the email and information submitted by XXXX paralegal that it was the incorrect information. Although that was asked to be submitted by american express and then stated by XXXX that the attorney and paralegal will not be working till Tuesday and had to explain to XXXX american express supervisor that Tuesday XX/XX/XXXX is a national holiday and that banks will be closed. Only then the american express supervisor realized the issue. 

XXXX My mother calls american express again and it was explained by XXXX that american expresss administration team is involved finally and they are planning to send the release form tomorrow howevermy mother still had to wait for XXXX to tell her what the timing and process is after its signed. 

XXXX My mother calls american express AGAIN and then it is stated they have realized my account should not be on hold and it is not my parents account but when looking at my account via my mobile app it still shows as being on hold by garnishment team at XXXX XXXX

Company response to consumer: Closed with explanation