Login and click cancel account and read the language. I’m sure it’s because of some of their intertwined or niche services and not everything but is very real.

You can cancel your credit card, but I imagine big Amazon and Co shops/sells their collections to the best on paper deal debt collectors (aka, truly the scummiest and worst ones).

If you have ever been pursued for unpaid debt like this, despite consumer legal protections, it is years of Hell, legal threats/letters, calls, and other gray intimidation. All while wondering if your credit score will just be nuked over night.

Source: Victim of identity fraud

Can you afford better lawyers than Amazon? If not there's your answer...

Speculating but I wager they sell smaller collections in bulk to debt collectors at discount to try and collect vs running in house