Debt collection
American Express debt collection complaints
Consumers have filed 5,645 complaints about American Express's debt collection, 1,706 in the last 12 months (+65%). American Express answered 99.6% on time and closed 39% with relief. See the whole American Express record.
American Express against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | American Express | 1,706 | 99.6% | 39% |
Latest American Express debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 29, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Sep 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 27, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Sep 26, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Sep 26, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Sep 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 24, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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