American Express Collections Dept.over paid collection account

This review was posted by
a verified customer
Verified customer

I have been paying on a debt that had my ex-husband as primary.I agreed to pay creditors instead of filing bankruptcy.My payments were over the amount asked for until the last payment was due on November 27th, 2011.I called to confirm the last payment amount on 11/12/11, I told the gentleman I was going to make a payment by mail, that I was sending a check and a written request for a final payment letter.He told me I would have to wait 21 days for a satisfaction letter and that I could make the payment with him.I told him that I usually made payment through my online bill pay and that it wasn't due yet.The payment was take by American Express twice, in the amount of 121.23.When I called about the error I was told it would be 6-8 weeks for the refund.I was told today by Supervisor Joe Janousek (#10448) that I had no refund coming and that I had NOT over-paid. My total debt was $8, 633.06, the amount forgiven was $5, 179.84.I was to repay $3, 453.22 in 24 payments of $143.88.My 1st payment was 12/09 for $144.00, 01/10 for $144.00, I made 17 payments of $145.00, 1 payment for $140.00 and 1 payment of $150.00, my last payment was for $121.23, of which I called for the amount no less than 3 times and was told by 3 different agents my last payment if my payment amount stayed the same as most of my others at the $145.00. would be due on my regular schedule of on or before the 27th of each month.I have bank statements to show what I've paid.The account [protected], The original person to set up the agreement with me was Brandon Sears-Manager P.O. Bx 6618 Omaha, NE [protected], Ph # [protected].I would appreciate any assistance you could be in this matter. Sincerely,
Doris Sanderson P.O. Bx 2241 Kodiak, Ak 99615, [protected] or


  • Sq
    squire77 Apr 14, 2017

    Here is my view on credit cards. I signed up with the agreement I would pay on the things that I bought. They loaned me the money. So I borrowed
    from AE to buy my purchases. I payed my bill pretty much on time every month. I was working with a home health nursing agency. I made very good
    money and didn't have any problem paying my bills. In 2013 I was diagnosed with stage 4 bone cancer. I was very sick. I stopped work. I went
    through all my savings, because I was part time with the agency and was going to get insurance. I kept procrastinating. So when the medical bills came in I payed them with my savings. Then the credit cards came I had no money. I was living on S.S. and a renters check. Long story short my cards went
    into a collection agency. I had nothing else I could do. I was bedridden for about one ;year. The cancer weakened my sacrum and I had a hard time
    standing. I can stand about 10-15 min before it gets so painful. I had no way of paying anything. No job. So the only way I thought was to claim Bankruptcy. Some how that did not feel right. I had called early on to Discover and AE but no one wanted to work with me. So I hired this horrible firm
    Lawyers ASAP.(Don't use them they are totally dishonest.) So the firm took my last bit of cash little under 2, 000.00 and started back to where I thought I should be in the first place, trying to pay them off myself. Truly there's something honorable about trying to do your best to pay them back. It was there money in the first place. So American Express has been very nice about taking my little payments to start with. I hoping to get strength back and get a job. And move forward. And learn. how to handle money. It taught from an early age. Even GOD says;"Give back to Caesar what is Caesar's and to God what is God's. Mark 12:17

    0 Votes
  • St
    stupid34 Sep 15, 2012

    If you can not afford the card cancel it low life.

    -2 Votes
  • Pi
    Pissed OFF the incredible Sep 02, 2012

    Aerican express, Don't trust, they rip off people and NO MORE AMEX for me
    I used AMEX to pay for overweight bag at the airport for the amount of $ 75, I was deployed during that time. I found out later when I returned from my deployment that they sent me the bill and I totaly forgot about it, however I sent them the payment and they cashed it and turned the amount owned to a collection agency that kept calling me and harrasing me to pay $150 that was the $75 plus penalties, I tried to explain to them my situation but they would not accept it, so I called AMEX trying to resolve the issue and they informed me that it was turned to there collection agency and they can not help me, so now I am stuck with it on my credit report, AMEX NEVER AGAIN...

    0 Votes

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