First, I have been trying to sort out exactly "where" this account even is. It shows up on my Amex online dashboard with a 1000 balance, as a closed account. Amount due: 1000, today.
Calling Amex, they say they dont have it, it's with a CA. This can't be true because I made a token payment and it was applied to the balance immediately.
The real issue is I want to attempt a PFD, but am not sure who to contact. I have not had a paper bill in months. I don't want to just pay it prior to getting a PFD agreement ... but with whom? Any help?
1) Probably missed the boat on Optima offer for this one. See below:
2) The crux of the problem...NONE of the 6, yes SIX numbers I called to speak with were able to administer this account. That includes the collection group that usually offers the Optima plan. Not sure what the name of that group is ... but they said it was not with them....
It's as if this card is in a purgatory that can not be reached (Except the weird aspect that I can see it online and could make a payent against it if I choose).
When did you default?
Starting Score: 494 503 521
Don't have the accurate data in front of me but probably late 2017 or early 2018. A test payment was made very recently by me on line.
@BallBounces wrote:Don't have the accurate data in front of me but probably late 2017 or early 2018. A test payment was made very recently by me on line.
That’s really weird they lost your account in the air even though its barely a year old.
It's as if they sent it to another CA, and took it back, but they couldn't tell me if that happened, and I was never contacted by another CA, and as far as I know, I have always been able to send an online payment.
I would call let them know your willingness to pay but you have no one to give your money to.
I did. 6 times.