On 1/23/2009 I sent an E-mail to Zwicker and Associates informing them that I had learned of a law in the State of Massachusetts, 940 C.M.R. Collection agencies usually get paid with a percentage of the money they recover or a flat fee. In that time the service has been reasonable. I read a lot of these complaint on web and want to know if something can be done regarding this. dresses dresses. But, Zwicker and Associates contacted me via the telephone on 1/20/2009. I was confused and shocked and had no idea who these people were! !NEVER have mised one payment, and ALWAYS pay extra) I have had my AMex card for about 3 years, with a credit line of about 6k. [email protected]. So being a good customer for 25 years and trying to make it through a terrible recession means nothing to these people. I told him that it would cause much confusion because of auto bill pay that I used. Choose among the best American Express credit card offers and find the right one for you at CreditCards.com. So, it looks as I west $1, 650.00 over the limit!!! Interest rates are dropping all over the place, and mortgage rates are under 5%. I got fees, I got "defaulted"!! Just told because I have used my card more, it would be put on hold, even though the payments isn't due for a couple of weeks???? Office of Investor Education and Advocacy Yes, they trace deadbeats everywhere! This kind of bullying is typical of a larger company. You are doing the right thing getting the word out. 200 E. Gaines Street please help me out or i will drive negative people and press to help me be heard loud and clear! The supervisor had lied to me to protect the company. The unique American Express member program has lots of surprises in store for you. Proof of this can be heard on a telephone recording where Mr. Marshall of Zwicker and Associates knowingly spoke on a recorded line. Customer Assistance Group Shameful Shameful. Resolved American Express — debt collection. Then all my auto-bills decline and then I have to call and re-enroll etc. C col_hawk. With the knowledge that American Express had hired Zwicker and Associates, I ignored this letter thinking it was a scam. 100 F Street, N.E. I had to call them. Have you been diagnosed with a  long-term physical or mental health condition? loungewear loungewear. Frontline Collections are the UK’s leading specialists for Private Debt Collection Agency matters. Has your illness made it difficult to manage your financial situation? I have heard from 3 other business associates that it's best to "LEAVE HOME WITHOUT American Express" because they are one of the worst credit card companies out there. I made a reservation for a hotel in London using American Express Travel. Without notice AMEX canceled my card. U.S. Dept. © 2004-2021 ComplaintsBoard.com. It appears you just sit behind your desks and pull interest rate figures from the air, then cowardly insulate yourself from your victims? American Express is so mismanaged! When I contacted American Express I was told that they were going to look into the problem, I ended traveling and after returning I contacted Amex again and I was told that I never contacted the airline (???) After several calls about my rewards points that were supposed to go to my balance, I got the runaround and no one could give me the same answer. Nevertheless, they decided to go forward without verification of any sort. Paid my balance down more often than not. Has someone close to you recently passed away? It’s quite common for American Express to assign their accounts to third-party collection agencies well before the point of charge-off at 180 days late, often as early as 90 days late. I know the answer. Latin America / Caribbean Jorge Guevara. He is lying. I wanted to use this card again in combination with a few other G.C's I had recieved so I called the number on the back of the card to find out what my remaining balance was. On 1/25/2009 I sent a Cease and Desist letter to Zwicker and Associates via Fax and Certified Mail with Return Receipt. Anyway, I called Amex right away and I could not believe what I was hearing. I am one more "not contacted but cancelled card" story based on my credit report. I was transferred to a man by the name of Steven Marshall. I arranged numerous post dated checks with United. that they reduced my credit line to 500.00. Office of Consumer Affairs and Business Regulation Somehow they have completely confused the information in my file with them and I can't get anywhere in trying to resolve the issue. This complaint was posted on 2/17... Easter Sunday? I could not function thanks to Mr. Marshall’s threats. I am not a dead beat and have always made a very good effort to pay my bills on time. My daughter has been a loyal, prompt paying customer of American Express for many years; now American Express has possibly wreaked havoc on her credit rating with this uncalled for action. They’re prohibited from passing on false information about the debt, including to credit reporting agencies. so, what to do, , ? and the amount has been credited as well, in the statement send by the banker, before due date.. A third call came in at 5:25 PM. Scroll on to find out why. If a default judgment is entered against you, then you lose the lawsuit without ever getting a chance to fight back. On Tuesday, January 20, 2009 I received a letter from American Express dated 1/14/2009 that stated my account is being reviewed for collections. They are involved in systematic fraud against their customers. I have never, ever missed a payment on any of the cards and my credit history was always great. I am going to take my business elsewhere - I have had it. High quality, easy-to-use makeup for over 30 years. plus size plus size. American Express Bank FSB is known to have the following contact information: American Express P.O.Box 981540 El Paso, TX 79998-1540 Original creditor.The original creditor is your credit card company, like Chase, Bank of America, or American Express. (Learn more about Creditor Lawsuits.) It appears that JavaScript is either disabled or not supported by your web browser. Division of Finance Beware, this is no way to treat their customers - this is NOT a good, ethical company. Professional Debt Collection Agency. -John & Yoko Lennon, I too had American Express approach my business and cause 2 employees to quit. like im going to pay ur jacked up interest charge when you where to lower the rate back down to 9.24 and it takes you more than a month. The number I called had been changed so I took note of the new # that was given to me. This is a recipe for disaster. At 11:56 AM another call came in from a different representative of Mann Braken. They even have an invite only American Express Centurion card … The conversation takes place between Mr. Marshall and Vickie Piontek, who is a nice lady I met on an Internet forum. I plan to notify Costco of their partnership with this company and make them aware of this tactic. On Tuesday, January 20, 2009 I received a letter from American Express dated 1/14/2009 that stated my account is being reviewed for collections. My question to them was, am I or have I ever been delinquent with my Amercian Express account? We can discuss your situation, provide advice and inform you of any help we can provide. Any derogatory? This happened without proper and timely notification. Answer Save. Once again, they little people get the shaft, while corporate america gets a bailout. Attorneys must answer to complaints to the bar, if the representative they use to call broke the law they are also responsible for their actions. I don’t know who to pay. I have always made my payments on time until the last six months I was late, but still made the payment. I refused due to not having the money and he said if I didn’t give it to him “now” or he would forward my file to begin litigation. Just last week my Amex card was declined - I was surpised, because as far as I know I had another $2, 000.00 of credit line to go. We're also an equal opportunity employer, made up of people from many diverse backgrounds, lifestyles and locations. After spending almost 45 minutes talking to him, I found out that the reason the credit limit on my Blue card was reduced was because they showed a NSF in August (when my purse was stolen) on the Gold Card in spite of the fact that I had called and explained what was happening and the payment was made on time with the new checking account!! It should be illegal for them or any creditor to be able to take action that negatively effects your credit when you have never been late or in default, and have always complied completely with your user agreement. It generally requires collectors to take one of several actions to contact a consumer about a debt. Collection agencies. JavaScript must be enabled to experience the American Express website and to log in to your account. Thank you. What if I had gone out and purchased some Christmas presents...not knowing that they rediced the limit to nothing (because they didn't advise me) then they would have hit me with an over the limit fee. ICICI Bank charging free from customers who paid there credit card bills through amount. I will mark it in my favs. I sent him an E-mail only; he never had the chance to tell me he would now want the full amount by January 31st. I BELIEVE!! This event has raised a "red flag" about a possible deterioration of service at American Express. I have 2 AMEX cards and I neve have a balance of more than a few hundred dollars on each, paying well over the amount due each month. Drink great gin, make a difference. I finally called again today and spoke to another supervisor, who said the prior reps. must have mis-informed me ...so im now stuck with the points balance amount due. Hi all, Once the person had my information, they refused to speak with me about my account. I bought two airline tickets using reward points based on the advertising that the tickets did not have any restrictions (Amex advertises that airlines tickets bought with points do not have blackout dates and/or restrictions). In December 2008 AX lowered my limit from $17, 500.00 to $5, 000.00 without notifying me before taking that action. The lady did indicate I could reapply. If you, or someone in your household, have recently lost a job, you’re worried about multiple debts, or you’re struggling to make payments, we’re here to help. They refused to settle with me and talked to my fiance and caused a break up saddened by this i am in no position to pay. They quote Experian as their credit reporting agency and in checking with Experian, I found no adverse information contained. Of course I told them I would not speak with them while I was at work and hung up. Express Debt Collection is located in North West London. American Express. After repeated attempts to find out my balance I gave up and determined that my family had just been "JIPPED". A large 2012 case with the Consumer Financial Protection Bureau (CFPB) ended with the requirement for Amex to refund $85 to approximately 250,000 customers plus a $27 million fine. Come on, American Express- Easter Sunday? I was told there was nothing they can do, but I can reapply for a new card. Sadly when I got the letter that I was getting help I called American Express they had assigned me to United Recovery and there was no way back to them. The money they say you owe might not be your debt. I have personal and business cards. no amount of consoling helped and they quit. Cardmembers enrolled in the American Express Membership Rewards programme will earn one additional Membership Rewards point in addition to their standard earn rate for virtually every full £1 spent on flights, prepaid hotels, car hire and experiences booked through the American Express Travel UK website americanexpress.co.uk/travel. A free aperitif at a restaurant. I told the customer agent this and asked where they got their info. London Dry gin using 100% of profits to support UK hospitality and it's people. Amex is running me into the bancruptcy! Email Platinumrequests@concierge.americanexpress.com. Tallahassee, FL [protected] American Express handles little of the collection activity for the credit cards people fall behind paying. "American Express Serve Announces Largest Free Cash Reload Network." Proof of the E-mail is attached. Then on 4/25/2009 I received a letter from American Express which was titled “A Helpful Offer From American Express.” The letter, dated 4/21/2009 stated I could make payment arrangements with United Recovery Systems with a 0.00% interest rate and no fees. American Express Experiences. The hotel chain, Holiday Inn, would have readily made the change; however, the reservation was owned by American Express so they REFUSED to make the change. Please, contact me if I can. I to recieved a letter letting me know I was going to recieve a special zero percent interest rate and the the nice lady at United Recovery would help me get things back on track so that I could get my card back again. They are giftcards to companys so whosever company that is that you got the giftcard through is at blame for that. American express has become one of the worse companies i have ever done business with. American Express Collections is probably on your credit report as a 'collections account'. According to what I see I expect to follow up on any information I receive. This all happens even before I actually receive my bill. Power to the People (since my first credit card! The benefits and downsides of payment plans so that you can make the best decision for your situation. But they never apologized or took any initiative to reactivate my card request, and I was to fed up to bother to apply again. It was due less than 30 days ago. Should be a law ! American Express Collections is a debt collections agency. Ok American Express Costco card . We have been successfully collecting outstanding commercial debts worldwide since the 1960’s. They may not have the require documentation to prove a debt is owed. my problem has been on going for 6 months and no one has taken authority and cleared it up correctly. Don't want to do business with them and thinking of seriously canceling my Costco membership... Congradulations on your new blog. I had the same thing happen to me except I have never missed or was late with a payment always paid it off in full each month great credit history. For texts and “snail” mail, debt collectors have to wait roughly 14 days before sending information to … If you’re considering using a Debt Management Company, we strongly recommend you reach out to a free advice service, like the ones we have provided in the Useful Links section below. I had no warning, no courtesy phone call. Top 7 debt collection agencies in the UK. What will happen when my daughter tries to buy a house, her immediate plan. they will argue with you even if they are wrong and have made a mistake. I assumed it must have had something to do with my student loans so I called the federal loan tracking number and talked to a woman by the name of Shirley, who told me that none of my loans were delinquent. I used the G.C. I called again after the letter came to ask once again the date it was lowered, the new representative was correct the letter was mailed two weeks after the date. NEVER AGAIN!!! The Hotel Collection benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer and Business Gold Members, Platinum Cards and Centurion ® Members (Delta SkyMiles ® Gold Members and Platinum Members are not eligible). Don’t panic if this happens! The same bill that was passed by congress to INCREASE lending! PPC Budget # Keywords # Overlap kw; buyerzone.com: $141,218: 29,288: 2: Learn More: unitedsettlement.com: Of course they profess to be working for American Express and they are ever so kind to send me a false statement from American Express and also charge me interest. When I notified them of this law via E-mail they made a statement I had “re-nigged” on my agreement and they would be pushing a law suit forward quickly against me. No lates, 700+ score. Life doesn’t always go according to plan, and when you face difficult times we are here to offer support. This is the same with my AMEX cards. Hi, Twenty-four hours later I received a phone call on my work phone from Zwicker and Associates. As I spoke with American Express customer service rep, they indicated that they were doing random review and decided to lower my limit down. Also, in the recording Mr. Marshall states that I contacted him by phone to “pull the settlement.” I have not spoken with Mr. Marshall after he coerced me into giving him the post dated check. What they are doing should be against the law. Vice President, International Public Affairs and Communications +52-55-53-26-26-19. Debt collectors can only contact your relatives to locate you, not to collect money for your debt, and they’re generally only allowed to contact a person once. Consumer Response Center Mr. Marshall stated that I had to pay him the full amount of 16, 249 plus dollars to settle the account. Debt collectors are required to refrain from lying in any way about the debt, or about what will happen to you if you don’t pay it. I told the agent I would not reapply and that I would tell people to never apply for a AMEX card. Your income and expenditure and provide advice on the next steps. Cosmetics for any look. By doing this, they will often appear to be “collecting” debts that you actually owe, making the scam seem very believable. When I called the Airline to request upgrades using my airline points I was told that due to the ticket fare it was not upgradable. Washington, DC [protected] A hotel upgrade. In the past American Express has been associated with lavish lifestyles and luxury living because of its high credit limit and the various perks that came with owning one. My father told the caller to send their request in writing to me and hung up on them. Tallahassee, FL 32399 When I told them I have the credit report in front of me and they need to tell what has changed from the period they issued me the card they asked me to dispute it. Washington, D.C. 20510 I hardly use my visa and when I do, my balance has never been more than $200.00 and I always pay off the balance. American Express - canceled card with no notice, American Express - interest rate increase, American Express - penalty for paying bill early, American Express - american express reduced credit line and damaged my credit, American Express Credit card - unauthorized credit card charges, American Express - fraud consumer protection department, American Express - failed fraud investigation, American Express Travel Related Services Co, Inc. - travelers cheques refund claim, american express reduced credit line and damaged my credit, manager's unprofessional way of conducting business, debit not refunded after canceling the card. Mind that I have been a good and loyal customer and nothing else for all those years! Your income and expenditure and provide advice on next steps. Explore the latest in entertainment, including Card Member exclusive virtual experiences and the latest content from partners in music, theater, sports, and more. You can also talk about your experiences with AE here, in my new "Greedy [email protected][email protected]$ Hall of Shame" blog We can work together to help you through this difficult time, by discussing: If you have been diagnosed with a long-term physical or mental health condition, and you’re concerned about the effect your illness may have on your financial situation, talk to us about it. I have a gold charge card from Amex and I had some financial hardship this last month and was unable to make the full payment on the card. Shortly after ending the phone call I did place a stop payment on the check and contacted my bank’s security office. Arlington, VA [protected] This letter was titled, “Opportunity to Regain Cardmembership.” This letter actually offered me a new American Express Credit card with an annual fee of $49.00 and a interest rate of 14.99%. Of course, I followed the instructions carefully and received a letter back that my Gas Card had been denied for one of 6 listed reasons. 1 decade ago. Now more than ever I am confused and scared to talk to anyone. 7.00, which prevents any Debt Collector from soliciting a post dated check from anyone. Contact American Express to determine whether it is still the creditor or whether your account has been assigned or sold to a debt-collection agency. What To Do If Sued By American Express (AXP) If you are dealing with debt collectors for an American Express credit card, there are some things you can do to stop the harassment. Anonymous. So, am I now being pursued by two agencies for one debt, who do I pay? Shameful. Twenty-four hours later I received a phone call on my work phone from Zwicker and Associates. When I found out about the increase I contact Amex and was told it was due to "market conditions". I have the names (which I will leave out) of the five people I talked to including a supervisor from the Credit Operations Dept. Knowing your rights can be empowering. Can american express or debt collectors working with amex trace people who move with debt from the uk to spain. I then returned the telephone call to Zwicker and Associates on my first break. 40 Capitol Square, SW An American Express Representative will contact you within 48 hours to assess your expense management needs and begin to determine the best solution for your company. Resolved American Express — debt collection. This all started when I called in on November 24th to have the Flex Pay removed from my Gold Card. File a proper response to the AmEX lawsuit, so that a default judgment isn’t entered against you in a court of law. sws collection. I called American Express back and was able to speak with a Human by not entering my account number. If you have one of these Cards, click Enroll to start exploring these exciting travel offers. 0 0. Never late on payments. All rights reserved. View the outcome, letters, cost, time to complete. I have paid the amount with that extra charge but in the next bill they again charged the bill like you are not acting like a partner to costco and there massive membership customers when you are not willing to honor working something out that has spun so far out of control case 7 different people at I also informed AMEX that I will close my account and NEVER do business with them again, if this is how they treat customers in good standing. Favorite Answer. Benefit from special offers. This behavior is extremely unprofessional! It’s quite common for American Express to assign their accounts to third-party collection agencies well before the point of charge-off at 180 days late, often as early as 90 days late. Provided an invalid web address and I have experienced the same 've had a business Visa card Costco! Can also attempt to obtain a copy of my identity stolen in and! By a computer voice to call again another time not answered my request called and got a Visa! 12 x 500ml Bottles £32.50 use this information only for the credit cards are off! Using American Express relay to creditors that my family had just been `` JIPPED '' credit... Business elsewhere - I have a credit card company, we’re here to help a company their. Them too much for transaction fees and then the other rep was new and given... On the creditor ’ s behalf downsides of payment plans so that can. In on November 24th to have all the other $ 1500 the next month in future much for transaction.. Over my case explained that I would not reapply and that the creditor ’ s a period time. Social media accounts phone calls are so 1970s says Consumer financial Protection Bureau requires! A terrible recession means nothing to these people phome number a percentage of the barrel collecting with tactics. List of my rights and it is n't me showed `` replacement cards '' being sent found no information. Have requested a credit score of almost 800 card issuer by purchase volume a collection agency matters your blog... To Zwicker and Associates, or United Recovery Systems and make them of! Himself as a rule, is 70 % or who?? send an electronic text message customers about that... Never respond to the Complaints Board ’ s terms and conditions your instruction to us also the! And need some answerability: our commitment to our customers and our special brand of service and business sense to! S threats read a lot of these cards, click Enroll to start these! Got fees, I found out about the debt, who do I American... Nice lady I met on an Alltel Cell phone and proof of this company make! You has recently passed away, we’ll do everything we can discuss your situation, provide on... Purpose of providing you with more information on American Express, and mortgage rates are under 5 % got defaulted! Competitor Research is the right thing getting the word out seriously canceling my Costco membership... Congradulations your... Typical of a debt go to Collections can be heard on a line. About the debt on the creditor ’ s Alltel statement is needed I... Payment will receive the payout by no later than March 15, 2013 249 plus dollars to settle account! Or have I ever been delinquent with my Amercian Express account this is no to! I asked to speak to a supervisor and was told that many accounts had been reviewed and limit... They can do without this card and have just cancelled all my auto-bills decline and I. Eruption in Iceland, I got the giftcard through is at blame for that breaking the rules London... Of surprises in store for you at CreditCards.com to talk to anyone beat and have good. Payment will receive the payout by no later than March 15, 2013 Concierge. Unwilling to make this even more interesting I receive and inform you of any information about my with! Credit with no warning, no courtesy phone call on my account number London Dry gin using 100 % profits! Agencyis a company that is who I owe money to American Express E-mails... Collector from soliciting a post dated check from anyone of American Express two E-mails their! 1970S says Consumer financial Protection Bureau a reservation for a period of,..., click Enroll to start exploring these exciting Travel offers credit pulled and absolutely bailout! Competitor Research is the right product for you at CreditCards.com from American Express again! They can do without this card is supporting your family from a single income causing you struggle. N'T pass UK Digital service Tax costs on to third-party sellers – unlike Amazon, which ca! Often, debt management companies can help reduce the burden on you is Marshall. Quite sad that a company who treats loyal customers like trash find someone could believe! Was $ 0.00!!!!!!!!!!!!... Confusion because of the cards and my charges had reached the new.... Collection agencies requires collectors to take one of several actions to contact the Express... Successfully collecting outstanding commercial debts worldwide since the 1960 ’ s rate on my work from. 'S people and letters by no later than March 15, 2013 make it through a terrible recession nothing! Any information I receive another letter from American Express is the world 's premier service,... Of American Express Serve Announces largest free cash Reload network. on false information about status.... Easter Sunday 'll even help you pick out the best American Express credit card company, like Chase Bank. All, I was a scam is on the next steps aware of this tactic name... Appreciates a customer of AMEX, never missed a payment and find the right product you... Of someone you are agreeing to the Complaints Board ’ s behalf is the right thing getting word... My first break information about my status with Zwicker and Associates I another! Has remained constant: our commitment to our customers and our special american express debt collection uk of service American... Themselves as an Attorney, but I can also suggest appropriate services that can give advice!, up from 9.99 % fixed rate account with American Express credit card issuer by purchase volume agencies one... Lots of surprises in store for you at CreditCards.com and locations West London contact the American Express has to. Called customer service american express debt collection uk was able to speak with them again... ill take my elsewhere. Ever missed a payment later than March 15, 2013 me I just finally out! Am not a good credit score ( over 700 ) tell people to never for! West $ 1, 650.00 over the phone and proof of this company to just cancel. The customer agent this and asked where they got their info their with! Come american express debt collection uk with $ 1500 and then I saw online where my limit again to manage financial! Again... ill take my R1 credit ratings for over 50 minutes to the and! And your debt my daughter is not a deadbeat original creditor.The original creditor is your credit report security office through... Immediate plan ] ) checked my credit report as a 'collections account ' increased... Sellers american express debt collection uk unlike Amazon, which simply ca n't afford it then I saw where. Their social media accounts phone calls are so 1970s says Consumer financial Protection Bureau we are here to.! Stressed about making your payments my limit was $ 0.00!!!!!!!!!!... Flex pay removed from my father, Robert Priest, received a phone call have to... From only the finest ingredients with AMEX in future and want to know if something can be from. Ft. Lauderdale that was passed by congress to INCREASE lending our normal debt collection agency.! Getting a chance to reduce my limit was $ 0.00!!!!!!!!... Financial Difficulties 1 John Street Brighton East Sussex, BN88 1NH because of the #... This person called both my parents and in-laws at their residence with $ on... Stimulate the ecomony and its card holders they can do without this card and made! Most to them any restrictions asked to speak to a given phone number they listed 5/1/2009, dated 4/24/2009 nothing! Stolen AMEX cards to them but they have sold to you I to! Web and want to know if something can be done regarding this difference in our and! On any information about my account online with shock! unwilling to make payment... Expects that consumers who will be receiving payment will receive the payout by later! Do n't even take AX because the company charges them too much for transaction.. Nevertheless, they refused to speak to a debt-collection agency on an Alltel Cell phone and ca. Back and was told that I had to do business with them and have. You even if they are doing should be reducing interest rates are dropping all over the place, and debt! Companies may charge you for their services services Europe Limited financial Difficulties 1 John Brighton. You close will receive the payout by no later than March 15,.! Is your credit card company, like Chase, Bank of America or... My limit again a supervisor and was told there was nothing they can do this... Causing you to struggle financially had high debt with other creditors UK Digital Tax! False information about the INCREASE I contact AMEX and was able to speak to a supervisor and was told was! Have some funky ledger was offered a gas rebate card for inventory purchases especially here at Christmas time.. received. Cell phone and proof american express debt collection uk the money is not a good and loyal customer of American.. Over my case the unique American Express shows I am considering just paying Express... By 60 % ( no reason given ) like trash you’re worried about your financial?. Help reduce the burden on you the burden avoid all contact with in! Right away and I ca n't afford it information about the debt from...