The drop-down menu does not have an option that would be on point with my complaint which is trifold:1 ) During negotiations of the settlement of balance on my credit cards, Amex repeatedly represented and promised that if I entered into a repayment agreement and made all payments on time pursuant to it, my accounts with Amex would be reopened based only on the repayment history. However, when I contacted Amex upon making all XXXX payments on time, Amex refused to reopen my, accounts. 

2 ) During the repayment period of 36 months, neither Amex nor their debt collector - XXXX - provided periodic account statements as required by law. In that period of time, I received only XXXX random statements out of the minimum of XXXX which they should have provided to comply with the law ( quarterly frequency is the lowest permissible under the law ). 

3 ) I believe that my payments were misapplied, and that as a result, the amount I paid exceeded what was owed to Amex. Of course, timely statements, had they been provided, would have allowed me to verify the application of my payments, but I was deprived of the opportunity of such timely verification. Through other sources of information including my credit report, I was able to confirm that in XXXX 2015, Amex reported XXXX of my cards as paid off in full. Giving Amex the benefit of the doubt ( and assuming that they report such information timely ) that card might have been paid off in XXXX 2015 ( if not earlier ). However, Amex continued to collect and apply towards that account a portion of my payment for the months of XXXX and XXXX. Those payments amounted to {$140.00}, and I believe that that is the amount of overpayment which should have been returned to me.