I paid my account off which was over 4K and thought I was paid in full however there was a bill in-transit of $49.15. They sent me a letter cancelling the account without reason or any money due on the account. I got a call from a collection agency say I was three months behind and owed $110.29. The difference was in penalties and interest. I called American Express ask where did this charge come from on a cancelled account. They said we cannot tell you it has all been turned over to a collection agency and they have the records. They... read full review »