American Express - Account Sent to Collections for $3.96 Balance?
TAMPA, FLORIDA -- This is how the story goes, I've been a AMEX member since 1996, always paying the full balance when due, always!!!, but, I decided to get their Costco AMEX because it made it easy for me to shop there, within a month and a half of having this particular Amex, they notified me that my account was being cancelled (note I had never ever been late) and gave me too many reasons to list, so trying to make sense of it all, I called them to no avail, they said they would not re-instate the account.
So I continued to make my payments on time as always, until March of this year when I decided I did not want any more debt and paid the balance in FULL, even a little more so that it would take care of any interest the account could have accrued.
To my surprise and being sure I did not owe them a penny, I checked my account online, did not see any balance, so I dismissed the following statements (April), until a week ago I get a notification from a credit bureau letting me know that an account had reported me delinquent, somehow, I knew, that it had to be American Express, so I got online and checked my account, and sure enough, there was a balance of $3.96, past due, called them and they took care of it, denying they were the ones who had reported me late and therefor delinquent, I just received a copy of my credit report, and what do I find out? that American Express, not only had reported my delinquent for $3.96, but that my cancelled account had been sent to the collections department, (something they still deny),
I tried to have them help me fix the situation with the credit bureau, and their answer was: since my account had been closed by them, that I would have to take care of it on my own.
Once you are not a "member" anymore, you've fallen out of grace with them and you are treated poorly, sad but true story.