ATER OVER A YEAR IN SEVERAL HOSPITALS WITH A BROKEN NECK AND BACK AND NOW IN A NURSING HOM DESPITE PAYING ALL MY BILS WHEN THERE APPEARED TO BE A FRQAUDULANT CHARGE . MYDAUGHTER HAVING POA STOPPED PAYMENT ON THE AMERICAN EXPRESS ACCOUNT. ONCE I FOUND OUT I WORKED WITH MS. LLOYD AT THE COLLECTION AGENCY TO GET THE AMOUNT RECSENT. DESPITE THIS I WAS TURNED OVER TO COLLECTION WHICH DESPITE HAING AN EXCELLANT SCORE CAUSED A 1/2 POINT WHICH COST OVER $800 ON A MORTGAGE. ADDITIONALLY THE CREDIT BEARAEU CHARGED ME ALMOST MONTH. HERE ARE BUT A... read full review »