Consumer complaint received 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 ) .American XXXX XXXX credit limits {$500.00}, A victim of American Express , I never used the card and This is not my Debt, it is a misrepresentation, falsity, with the intent to defraud me. This is a credit card scam Security Issues & Fraud. I am Experiencing card setup with fraudulent details, fraudulent purchases an scam issue with Creditor imitators of American Express, I have be contacted via mail of an outstanding balance of illegally spent unauthorized transaction of, over {$3300.00} debt balance. I have never shopped on this magnitude. Creditor American Express, Who has broken the law or and acted outside of protocol harassing phone calls, repetitious phone calls all times of day and night every day. My Complaint, This is misrepresented. I never had an American Express which line of credit limit only {$500.00}. I never used the American Express Card when I had one. This is a written notice of such assignment. A Dispute letter complaint about debt collection practices violated my rights with endless calls since XXXX  Data Breach, which involved my personal identification. When I had an American active express card it wasn't this one. This is invalid information, I currently, don't have any accounts open credit card accounts since in XX/XX/XXXX. Currently I don't have any open accounts that are currently in collections or otherwise. This is a violation of the FDCPA Continues to call or send collection letters in the mail. I Have Experienced debt collection harassment. the abusers who has scammed me out of money and Fraudulently used my identities, and violated my rights by identity theft, I am a XXXX citizen. I certainty wound not be spending credit on an American Express. This is a violation of my rights and The Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX, NJ XXXX XXXX sending an account balance of over {$3300.00}. Unfair debt collection practices by debt XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I dispute this debt and I have the right to request validation of the debt when and where. The federal law regulating third-party debt collectors Aggressive debt collection actions by debt collectors and debt collection agencies many different debt collection companies are calling my cell phone constantly and their practices, Scammers are creating fraud debt accounts on closed XXXX balanced never used accounts. constitutes a violation of the FDCPA. 
2 ) The FDPA prohibits debt collectors from engaging in abusive, unfair, and deceptive collection tactics. Accounts have used accounts or fraud accounts. Receiving telemarketing calls, even though, I am on the Do Not Call registry, constantly call my cellphone. Complaint about debt collection practices, I do not owe and the next time another dent collector notice I received an even high debt the next time from a Global Collection company.

3 ) The Florida Consumer Collection Practices Act prohibits both debt collectors and creditors from using deceptive and abusive tactics in collecting debts. The debt collector agency in violation Florida state-specific laws Florida collection agency license and bonding information. Florida Statute 559.715. and Senate Bill 1034 of the FDCPA, Section 559.552.

Company response to consumer: Closed with non-monetary relief