What Collection Agency Does American Express Use?

If you have an unpaid account with American Express, your debt can be assigned to a third-party collection agency.

Based on user submitted entries, consumer reports and public records. They don't represent confirmed business relationships with American Express. Always verify the agency's identity before making any payment.

What happens if you owe American Express money?

American Express will attempt to collect internally first with reminder letters, phone calls, text messages and emails.

If the account stays unpaid after 90 to 180 days, American Express assigns or sells the debt to a collection agency. The agency then contacts you directly.

Why is American Express sending me to collections?

Unpaid bills, outstanding account balances, or unresolved charges. Accounts typically go to collections after 90 to 180 days of non-payment.

What to do if American Express sends you to collections

• Don't acknowledge the debt or make a payment until you've confirmed it's legitimate.
• Request written verification: the original creditor's name (American Express), the account reference, and the total amount.
• Cross-check the amount against your American Express records.
• If valid: pay in full, negotiate a settlement or set up a payment plan.
• If you don't recognise the debt, dispute it in writing.

Can I deal with American Express directly?

Sometimes. Contact American Express's customer service or billing department. Some companies will recall accounts from collections if you arrange payment directly with them.

Will this affect my credit score?

Yes. A collection entry from an unpaid American Express account lowers your credit score and stays on your report for 6 years from the date of last activity in most provinces.