Crashem wrote:OP, you need to take care of this. If Amex thinks you are delinquent on a card, your issue is that it might result in collection activity down the line. If that collection hits your credit, you're likely to find many of your existing card issuers don't want to do business with you. Call the Amex executive offices before this turns into something bigger. Do a search for Amex executive office telephone number.
I'm sorry, but I believe that Amex's mistakes are not my issue. Anyone can say anything they want about anyone and there is no way to prove a negative - I can say Crashem you had my super fragellistic kryptonite card and are delinquent on it and it is logically impossible for you to prove that is false as a negative cannot be proven.
If Amex makes it an issue by attempting collections on an account I never had, I can tell you that legal action will ensue and I will initiate if they do not. We do have some rights left and i'm a believer in using them and not letting someone push you around on bogus charges. That's all I will say about that. It's one thing if you do owe, and it's another thing if you don't. So my hope is they will be very careful about being sure what they do is accurate as the law requires them to be.
But honestly, if I lose every card I have, I'll live. I really will. I think to be honest I was a fool to care so much about something so stupid in the first place as these cards and my credit. I honestly don't sweat it nearly as much now. And I'm better off feeling that way. I still pay my cards religiously, I just don't live for this nonsense anymore. That's foolish, take it from me.