Stop Creditor Harassment and Excessive Calls From American Express
There are only few experiences that are as unnerving as being on the receiving end of a phone call with a debt collector like American Express. Daily, people continue to receive calls from American Express and other debt collectors who are trying to get money from them. If American Express is calling you concerning a debt, you need to have a full understanding on debt collection and how it works.
Debt collection calls are usually unwelcome by people because of the things that come with them. Most debt collectors are only interested in getting money from the people they call, thus, they resort to using any and every tactic within their reach in their debt collection process. Some collectors engage in deceptive practices that violate consumer protection laws, including misleading statements and unlawful threats.
American Express phone harassment is the last thing you need if you owe and are trying to look for ways to pay the debt. It becomes even worse if you do not actually owe the debt being spoken about, yet you’re made to go through unpleasant things during American Express debt collection. Consumers are often harassed by these deceptive practices.
Fortunately, there are federal laws that protect your rights when it comes to things like american express collections. The Fair Debt Collection Practices Act (FDCPA) is one of such. This law is designed to prevent such violations and hold companies like American Express accountable.
According to this law, American Express phone harassment and every other form of debt collection harassment is illegal. During American Express debt collection, all activities that involve harassment, threats, and lies, should be avoided because they are against the law. American Express and other collectors are not allowed to engage in any practice that constitutes a violation of consumer protection laws.
If you experience any of these during American Express debt collection, your rights have been violated and you can sue American Express. If you have been harassed or subjected to deceptive practices, you have the right to take action and ensure the company is held accountable. Call us now to get help.
Things You Should Not Do During American Express Debt Collection
Most times, debt collection calls are sudden and unexpected and american express collection tactics are limitless. This is why most people are completely unprepared and get scared when the call comes. This usually leads to them making a whole lot of mistakes which will cost them later. When a debt collector calls you, avoid making the following mistakes.
- ▶️ Being ignorant of your rights. If you get a call from american express collection department, the first thing you need to know is that you have rights and what they are. This will give you the boldness you need to communicate with american express debt collectors and eradicate fear from you. You will not respond to American Express phone harassment in fear. Rather, you’d know that your rights have been violated and you can sue.
- ▶️ Fear. Fear is a cruel master and can make make costly mistakes. When a debt collector calls, fear will definitely try to creep into your heart. Don’t let it. Remain in charge of your feelings. This way, your decisions will be better and more sensible.
- ▶️ Saying too much. The worse mistake anyone can make on a debt collection call is volunteering information. This is completely to your disadvantage. Especially if the debt collector on the line is a fake debt collector. You may be giving them information that they did not even have. Giving them more power and access. Never assume the debt collector’s claims are accurate without specific evidence. Also, avoid believing everything the collector says, as they may misrepresent the facts or the status of your debt.
- ▶️ Speaking out of pressure and fear. Debt collectors are pros at putting people under pressure. A decision made under pressure is not likely to be the best. This, if american express global collections is intimidating and scaring you, you do not have to talk or make decisions then. You can ask them to end the call and give them a different time to call you.
- ▶️ Admitting that you owe the debt or making an instant payment of a token towards the debt. This is a very wrong move. The moment you admit that you owe a debt, you can be held legally over it. Also, if a debt collector convinces you to make a payment of a token immediately for you to avoid trouble, don’t fall for it. Making payments on old debt can restart the statute of limitations and have legal consequences. Always request specific details about the debt before making any decisions.
- ▶️ Providing information that could be used to target you as applicants for new credit products. Be cautious about sharing personal or financial details that could be used for marketing or qualification purposes.
Who is American Express?
American Express Company is a financial services corporation that is best known for their credit cards. The company issues millions of credit cards across the world. Over the years, the company’s business practices have resulted in legal actions and settlements, impacting its business reputation and operational integrity. In 2018, a matter involving American Express Company and its subsidiaries led to a Telephone Consumer Protection Act (TCPA) class-action lawsuit filed in Illinois. This lawsuit accused American Express of using automatic dialer or an artificial or prerecorded voice calls to harass customers. The lawsuit was reported to regulatory authorities, and the company was required to take specific actions as a result. American Express denied any wrongdoing or guilt but settled the case for over $9.5 million dollars. The board, governors, and comptroller of financial institutions oversee such matters to ensure compliance and ethical business practices. The company’s actions have impacted customers, including issues with credit bureaus, credit scores, and consumers’ credit reports. The company was also accused of making misleading reports about account benefits and failing to provide required information to customers, resulting in further scrutiny of its business practices.
Contact Information
This is the office address of American Express Company:
World Financial Center
200 Vesey Street
New York, NY 10285-0001
American Express Debt Settlement
A debt settlement agreement is a specific arrangement between the account holder and the collector, where the debt collector agrees to close your account if you pay an agreed amount lower than your original debt. Applicants for debt settlement may be required to provide specific information about their account and financial situation to determine eligibility. While debt settlement can offer benefits such as reducing your overall debt, it may also result in interest charges or tax liabilities on the forgiven amount. Debt settlement can however be quite tricky because it hurts your credit score and, in some cases, it requires that you pay taxes on the amount of the debt that was waived. A debt collector may also trick you into settling an already paid debt, or a debt for which the statute of limitations has expired; which revives the statute of limitations on the debt. So you must know all the details about the said debt before you agree to settle with American Express
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact a legal professional to stop the harassment from American Express.
If you are interested in protecting yourself against American Express harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Thank you Consumer rights law firm for jumping on my case immediately…..I took a chance after I was threatened and harassed by a debt buyer that had a fake process server contact me I called the local process servers and they told me if when I looked up the person’s name and phone number in their database I couldn’t find it then they’re a fraud. I then found CRLF and Matthew (on his day off) handled the situation. He promised me results and a month later that’s exactly what we got. No out of pocket fees no stress no more harassing calls. I didn’t have to wait until I was scammed out of my money to get the results I needed and neither do you.
- 🏆 I have worked with Scott twice and both times he threw on his cape and took care of business. They’re honest, upfront and get the job done, and do it right. The calls & voicemails, the letters, the emails all stop and these crooked debt collectors are put on notice as to what’s to come. I recommend them all the time to everyone. They’re attentive, they communicate with you and never leave you in the dark. I can’t say enough good things about them and the service they provide. Plus the people that handle your case are there to walk with you and ease you. If a debt collector has you worried or scared, or if you feel you’re being strong armed by them, this is who you need to contact.
- 🏆 They were a God sent to me. I was receiving about 17 calls a day being harassed by creditors. Not only did they get the calls stopped but they also got my debt settled as paid in full. I am so grateful that I made that one phone call to Matthew Gazda. He was so professional and kind. He handled everything so quickly I’m still in shock. Thank you Matthew Gazda for your kindness, help and professionalism. I wish you all the best. If you are in need of a great attorney he’s your guy.
Frequently Asked Questions
1. Question: What is American Express phone harassment?
Answer: American Express phone harassment refers to unwanted, repeated, or aggressive calls made by or on behalf of AmEx—such as calls demanding payment, using threats, or calling outside allowed hours—especially when the consumer did not consent or when the debt is disputed.
2. Question: Can American Express call me many times a day?
Answer: No. Frequent unsolicited calls made with the intent to annoy, harass, or abuse may violate laws like the Fair Debt Collection Practices Act (FDCPA) or the Telephone Consumer Protection Act (TCPA).
3. Question: Is it legal for AmEx to call me at work?
Answer: Generally, debt collectors are limited in contacting you at your workplace, especially if they know your employer prohibits such calls. If AmEx calls your work repeatedly or discloses debt to your employer, that may be unlawful.
4. Question: Can AmEx threaten legal action over the phone?
Answer: No. If AmEx or its agents use false threats of lawsuits, wage garnishment, arrest, or property seizure when they do not intend or lack legal right to do so, that may violate consumer protection laws.
5. Question: What should I do if AmEx is harassing me with calls?
Answer: Document every call (time, date, content), request all communications in writing, ask the caller to stop calling you, and consider consulting a consumer rights attorney. You may also file a formal complaint with regulators.
6. Question: Can I dispute the debt when AmEx calls me?
Answer: Yes. If you believe the debt is incorrect or not yours, you have the right to dispute it. AmEx must validate the debt before continuing collection efforts.
7. Question: Which laws protect me from AmEx phone harassment?
Answer: In the U.S., the FDCPA and the TCPA protect consumers from abusive or harassing telephone calls from creditors or third-party collectors. These laws impose limits on the times, frequency, and manner of calls.
8. Question: Can I sue AmEx for phone harassment?
Answer: Yes. If AmEx violates FDCPA or TCPA, you may file a lawsuit seeking actual or statutory damages, plus attorney’s fees and costs.
9. Question: Did AmEx face class-action lawsuits for robocalls?
Answer: Yes. American Express has faced class actions alleging it made repetitive prerecorded calls to consumers without proper consent, violating TCPA rules.
10. Question: How can I contact American Express to stop harassing calls?
Answer: You can call the phone number on the back of your card, use the online chat support, or submit a formal complaint via your AmEx online account.