The credit card giant American Express has agreed to pay $112.5 million to settle allegations of abusive debt collection and late-fee charges as well as deceptive marketing. The Consumer Financial Protection Bureau says Amex customers were illegally charged late fees based on a percentage of their debt while others were given the impression partial payment would result in the forgiveness of their remaining balance. The company will refund $85 million to customers and pay another $27.5 million to government agencies.