Ray J Sued by American Express Over $78K Unpaid Credit Card Bill

The singer is facing a new lawsuit from the credit card company over the alleged unpaid balance.

Mar. 19, 2026 at 2:50am

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Ray J, the 45-year-old singer, is being sued by American Express for $78,704.56 in unpaid credit card debt. According to a complaint filed in the Superior Court of California, the credit card company alleges that Ray J stopped making payments on the account in October 2024. This lawsuit follows a separate case against Ray J and his company, Tronix Network, for nearly $140,000 in unpaid bills.

Why it matters

Ray J has been involved in several legal disputes in recent years, including a lawsuit with his ex-girlfriend Kim Kardashian and her mother Kris Jenner over their 2003 sex tape. The new American Express lawsuit adds to the singer's ongoing financial and legal troubles.

The details

According to the complaint, the lawsuit also names Rajun Cajun Inc., a company allegedly connected to Ray J. The credit card company claims the singer stopped making payments on the account in October 2024. In November 2025, Ray J was also arrested after allegedly pulling a gun on his estranged wife, Princess Love, during a livestream argument.

  • In October 2024, Ray J allegedly stopped making payments on the American Express account.
  • In November 2025, Ray J was arrested after allegedly pulling a gun on his estranged wife during a livestream argument.

The players

Ray J

A 45-year-old singer who is being sued by American Express for $78,704.56 in unpaid credit card debt.

American Express

The credit card company that is suing Ray J for the unpaid balance.

Rajun Cajun Inc.

A company allegedly connected to Ray J that is also named in the American Express lawsuit.

Princess Love

Ray J's estranged wife, who he was allegedly involved in a livestream argument with in November 2025.

Kim Kardashian

Ray J's ex-girlfriend, who he is involved in a separate lawsuit with over their 2003 sex tape.

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What they’re saying

“Kris Jenner and Kim Kardashian have never brought a defamation claim before nor have they been distracted by noise - but this false and serious allegation left no choice.”

— Alex Spiro, Attorney

What’s next

The judge in the American Express lawsuit will likely need to decide whether to allow Ray J to continue making payments on the unpaid balance or if the full amount must be paid immediately.

The takeaway

Ray J's ongoing legal and financial troubles, including this new lawsuit from American Express, highlight the challenges that some celebrities face in managing their finances and personal relationships. The situation underscores the importance of responsible credit card usage and the potential consequences of falling behind on payments.