I had a personal card credit card. After my divorce I was trying to organize my debt and enrolled into debt consolidation with American Consumer Credit Counseling. They informed me after one payment that American Express was not willing to participate. So I continued to make my payments to ACCC and AMEX separately. I always paid on time, but without any notification I started receiving calls from a collection agency. I thought it must be a mistake because I paid everything on time. Apparently AMEX decided to send me to collections. I called... read full review »