Was on a plan with collection agency to pay off amex card through their payment progr

Discussion in 'Credit Talk' started by nonametoda, Aug 26, 2016.

  1. nonametoda

    nonametoda New Member

    This was a program where they would reage the account. They didn't charge me for 2 months and now they say that it is charged off and I'm off the program. What are my options. It's my word against theirs. I thought it would be coming out my checking account like I told them ( I only wanted the first payment to come out from my credit card) Does amex do a pay for delete?
     
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Was on a plan with collection agency to pay off amex card through their payment p

    Welcome to Creditnet Nonametoda!

    Can you give us a little more information about the AMEX program that you were taking part in? What exactly was the deal? Was it that you would pay on time for 3 months, and then they would re-age your account to show all the late pays and paid on time?

    Did you sign any sort of agreement?
     
  3. nonametoda

    nonametoda New Member

    Re: Was on a plan with collection agency to pay off amex card through their payment p

    They claimed they that were taking from my credit card as payment and then it got declined. I had said I wanted it out of my checking account. They said they called which they didn't and now its 180 days past due. I would get a year through American expresses program
     
  4. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Was on a plan with collection agency to pay off amex card through their payment p

    Hmmm, that's interesting for sure. If it's just a your word vs. their word sort of thing and you didn't have any signed agreement, I would think your best option is to keep calling AMEX and complaining about them not taking payment from your checking account. Ask for a supervisor and push to be allowed entry back into the program. What size of debt are we talking about here and how old is it?
     
  5. nonametoda

    nonametoda New Member

    Re: Was on a plan with collection agency to pay off amex card through their payment p

    I'm supposed to be in a plan with 3 of my cards. Now they are all listed as charged off for some reason. Total debt is about 6k
     
  6. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Re: Was on a plan with collection agency to pay off amex card through their payment p

    It sounds like they've all been charged off because the payments weren't going through and then the accounts went 180 days past due.

    At this point you want to make sure that all three of the accounts don't get punted off to a collection agency because then you'll end up with 3 collections on your credit reports too. Have you already called AMEX and tried to work something out? $6K is a sizable amount, so it seems logical that they would be willing to work with you.
     

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