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Creditors like American Express cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.


If violated the law, you may be entitled to money damages and will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is American Express?

American Express is a global financial services company and credit card service based in New York City. Founded in 1850, AMEX is the world’s 25th most valuable brand as of 2016 and, according to its website, is also the world’s largest card-issuer based on purchase volume. American Express has been accredited by the Better Business Bureau since 1948 and has received over 3,000 negative reviews and complaints via the BBB in the past three years, primarily for product/service and billing/collection problems.

American Express’s Address, Phone Number, and Contact Information

American Express is headquartered at the World Financial Center: 200 Vesey Street, New York, NY 10285-0001. The main customer service number is 800-528-4800 and the main website is

Phone Numbers Used by

American Express likely uses hundreds of different phone numbers to call consumers. Here are some phone numbers may be calling you from:

  • 313-565-2425
  • 508-634-9565
  • 636-230-8251
  • 800-266-7073
  • 802-878-7060
  • 888-800-5234
  • 931-358-9998

American Express Lawsuits

If you want to know just how unhappy consumers are with American Express, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

American Express Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. American Express, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it;this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop ’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.


We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if American Express is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.


If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against American Express

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by American Express. Here are some of the BBB reviews and complaints against :

  1. “ American Express needs to something to constrain the damage that they are causing to me. My credit score which used to be more than 800 is now around 600 because of a derogatory statement on my account. I used my gold card for 9 + years and recently decided to change to a blue card. At the time the only balance on that card was $99 for membership. I paid the prorated amount requested and changed to blue and was promised that my balance will be down to zero, but each month late fees are added to my account and reported to credit agencies and are damaging me. Each time I call American express they always promise to resolve and still nothing.”
  2. “American Express has recently changed who they outsource their customer service to, as well as their customer service policies, and Amex has gone from providing superior customer service to providing horrid customer service. Whenever I disputed a charge in the past, I knew Amex always had my back and would remove the charge. The new folks handling such issues simply remove the charge and add it back at a later date “after they have completed their investigation” and provide zero reason to the customer for the rebilling. I absolutely hate Amex at this point after having multiple bad experiences with their customer service team. In the past the outfit they outsourced to was in the UK and now Amex is using an outfit in India. Absolutely horrible. I’ll be using my Visa from now on…I have several colleagues who’ve had similar experiences and canceled their Amex cards after being members for decades like me.”
  3. “I recently disputed a charge on my bill that was made in error by the business. AMEX sided with the business even though what the business provided was not my information. AMEX advertises itself to protect you from these types of losses, but they do not. They advised they are only a medium. They really do not represent me, the customer.”

Based on 74 reviews on Yelp, receives a 2-out-of-5 rating. Here are some of the reviews on Yelp:

  1. “My family is being harassed by [] customer service agents calling them in Georgia. I have scheduled payments which are due in April. They are not listed as part of my credit card, therefore no one should be contact in my family without my permission. Harassing my 70-year-old brother, who just had a brain operation, and my wife is unacceptable.  The card is in my name, not theirs. SHAME ON YOU!”
  2. “The customer service for their dispute team is absolutely horrible. A company who had been repeatedly reported for fraud has defrauded me and they keep closing my dispute on one card after resolving a dispute with the dame company on another card. There is no way they are actually investigating this company on my behalf because they keep closing my dispute saying they don’t have enough information without giving me any real details as to what more information they need.”
  3. “My Citi Hilton card was transferred over to AMEX by Hilton.  Within less than 1 week after activation (and before I charged anything) I was the victim of an attempted phishing scam in which I was sent a phony text from AMEX late at night and then the next morning a phony e-mail from AMEX asking me to download and fill out a form to unlock my account.  Called AMEX and sent them the info and got a new card.  My question — how did scammers get my info if wasn’t hacked?  They denied it, but I don’t believe it.  Had an AMEX years ago and left due to poor customer service.  Looks like still the same, unfortunately.”

Cases We’ve Handled Against American Express

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against :

  1. In January 2016, we pursued a claim for a consumer against American Express for violations of the Telephone Consumer Protection Act (TCPA). Complaints consisted of harassing phone calls, including robocalls placed to the plaintiff’s cell phone.

What Our Clients Say About Us

Mike Agruss Law, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”

Can American Express Sue Me?

Yes, can sue you. can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by American Express, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If has threatened to sue you, contact Mike Agruss Law as soon as possible; we’re here to help.

Can American Express Garnish My Wages?

Yes, if has a judgment entered against you. If is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

American Express Settlement

If you want to settle a debt with American Express, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with American Express, we at Mike Agruss Law are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt.  Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often to do to violate the law.  If Receivable Management Services has done any of the following, call us at 888-572-0176 or e-mail us at [email protected]  You have nothing to lose and everything to gain!

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Share Your Complaints Against American Express Below

We encourage you to post your complaints about American Express. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!


If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

7 months ago
American Express filed a lawsuit against me. I need help in navigating this. I went through a horrible domestic violence/attempted kidnapping issue and my life fell part. I had three kids and no help. I’m finally rebuilding my life and now this. I can talk today after 3:15pm