Our accounts with AMEX have been closed for a few years because we have closed all our cc's to get them all paid off. For the last 3 or 4 years we have been making paymens fine.in the last year, spread out over the yeas time, we missed the exact payment date of like the 7th and the payment would arrive on th 10th, or if payment one month was the 9th, they would move it the next month and it would be te 4th the next and closing date would be sooner.
We, like many people have payments set on certain pay days. So when the payments hit, once it hit 1 day after the statment closing date, not even 14 days late. This past month due to illness the payment missed the exact due date and statement date and was sent in at like 20 days late. Next thing we know, we received a call from a bad collection company which is another story all together, that AMEX had sent them our account and the full 9300.00 was due right now.
The funny thing is we have another account with the same payment date that was paid at the same time due to same circumstances, that we owe 3500.00 to and they did not send it nowhere. They tried to say we were 90 days late because 3 times in the last year we missed the due date by days, not 30 days late. And tried to make it sound like they did us a favor by not reporting us to credit burero. I told them it was no favor, they could not because we were not 30 days late.
I am continuing to make my payments to AMEX and they are taking it even though they say they do not have the account anymore, that the collection agency has it. But I am not paying the agency because it is one that the BBB has a bad report and lawsuits on report on and has a bad rep. And besides, I am still trying to find out if they can send to collecition if we are not even 30 days late.
Anyway, not a happy camper.
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