It's an outside collection agency, Nationwide Credit Inc. My account is no longer with AMEX.
So yes I was late with my payment, however, I contacted AMEX to ask for an extension on the payment and was given the extension. I was late because I was afflicted with a series of vicious migraine headaches that culminated with two ER visits and being put on potential stroke-inducing medication, I discovered that the apartment I moved into not three months ago is laced with toxic black mold -- thus prompting an immediate move-out (a nightmare in itself, as the landlord has refused to return my security deposit -- claiming I broke the lease).
Now, I had a choice of either using all my available cash for the security deposit and 1st month's rent on a new place or paying AMEX, BofA and a few other creditor. I opted to ask for extensions -- all my creditors gave me the extension. I just knew not be late with that payment or the next catch-up payment, which I technically wasn't.
I set-up all the payments thru my bank's BillPay, set for 11/27/08... however, the payments didn't post to AMEX until 12/1 due to the holiday and the weekend. So on 12/2 I get the call frmo Nationwide demanding full payment.
When I called up AMEX on 12/2, the CSR said the account was no longer with AMEX and that I needed to discuss all matters with the CA.
This after I got express permission from AMEX (got a CSR's badge number and the team leader's name for my records - FYI) about the extension... then they reneged on it, and bounced me to collections. I'm disputing the debt, citing that AMEX fraudelently misled me regarding my payment.
