Consumer complaint received 2023-06-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX perpetrated and gave false information to the credit card company American Express. He was suppose to mentor & assist me with establishing business credit, business knowledge, & passive income opportunities through companies that he sets up as corporate shelf businesses. XXXX instead used all of my personal information to apply for 4 American Express cards all with using my name, social, ID, address, under a business that he created & a EIN he applied for through the IRS. I was not aware that he was going to manipulate me & use me to verify & validate the 4 cards that he applied for. I was not, at the time, aware that he was applying for these cards until after they arrived at my home. When I inquired about them he assured me it was to help build my business credit profile. However, not knowing about these business strategies & trusting XXXX was going to provide me with the knowledge & mentoring he had said he would provide I cooperated & gave him the card information. I also assisted him at the beginning of receiving the cards verifying the initial charges in order for him to have access to the ability to charge. Unbeknownst to me, this was all his calculated plan to manipulate my name, my credit score & rating, & my vunerability with these business situations. Long story short, XXXX received all the information he needed to have access to the cards and I never received anything that he said, promised or assured he would provide. When attempting to get answers from him, instead I got very little responses, very little communication, & empty promises of how he would pay for & fix this issue. Instead I have received bills from American Express, collection notices from the company American Express outsourced the accounts to & my credit scores decreased astronomically because of this fraudulent behavior on his part. The total charges that he charged on these 4 cards totaled {$9100.00}. I made no charges on these cards, I have no knowledge of what was charged & I never received any products, merchandise, compensation, rewards, or services from XXXX XXXX using these cards. A police report has been filed, Temp report # XXXX Official case # XXXX with the XXXX Police Department. I am filing this report & this complaint in order for this information & these accounts to be removed from my credit report IMMEDIATELY on the account of FRAUD. XXXX, I'm quite sure, has done this to other people that I'm not aware of but I know how comfortable he was with manipulating me I'm not the first or the last person he will do this to. He has several business names, phone numbers, addresses, EIN numbers, & aliases that he operates under or with. I'm not aware of all of them. However, I'm sure if an investigation is performed I'm sure these fraudulent behaviors will surface. Some of the companies he works under & his XXXX  channels are in his own personal name, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Again, I am demanding this is removed from my credit report and my credit scores & information is restored back to in good standing. I did attempt to reach out to American Express fraud department however, they said I had to contact the collection company XXXX XXXX XXXX XXXX. I have contacted this company & they have frozen the account pending information from American Express to be sent out for me to verify & validate all the charges. This has been over 2 months ago and I have yet to receive this information they have apparently requested.

Company response to consumer: Closed with non-monetary relief