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American Express


200 Vesey
New York, NY 10285

Contact Them:

(609) 614-7495

Fast Fact: As many as 1 in 5 Americans have errors or mistakes that are serious enough to affect their credit scores to point of being denied new credit or the refinancing of existing credit.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged American Express account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Justin A. on June 9, 2015 at 11:06 pm

      I recently got an American Express card. American Express sent me a letter to inform me somebody was using my social security number, and that they had cancelled my card. When I called American Express for more information, they denied sending me the letter. American Express claimed I cancelled the card a few days before they sent me the letter.

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