Consumer complaint received 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
WHEN AT THE HOSPITAL, MY VEHICLE THAT WAS TOWED TO AN IMPOUND LOT WAS ACCUMULATING STORAGE FEES AND AUCTIONED OFF ALONG WITH MY DRIVER LICENSE, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND CHECK BOOKS AND THE PERSON WHO TOOK POSSESSION OF THE VEHICLE DID NOT RETURN MY PERSONAL ITEMS AND DID NOT TAKE CARE TO SECURELY DESTROY THEM. 

I CALLED UP AMERICAN EXPRESS WHEN I GOT OUT OF THE HOSPITAL AND REALIZED THAT THE TOW YARD HAD AUCTIONED OFF MY VEHICLE WITH CREDIT CARDS IN THE VEHICLE AND ASKED TO CHANGE THE ACCOUNT NUMBERS AND HAVE NEW CARDS REISSUED. MR. XXXX WAS ASSIGNED BY THE XXXX COUNTY COURT AS A CONSERVATOR AND MANAGE MY FINANCIAL MATTERS BUT HE TOOK THE CHANCE TO REDIRECT ALL MY MAIL AND FINANCIAL STATEMENTS TO HIS OFFICE SO I NEVER RECEIVED A REPLACEMENT. AS SUCH, I CAN NOT VERIFY THE VALIDITY OF THESE CHARGES AS I HAD MANY CARDS THAT I DID NOT USE ON A REGULAR BASIS AND THEY HAD XXXX BALANCES AND ARE PAID IN FULL EACH MONTH IF SOMETHING APPEARS ON THE STATEMENT. 

MR. XXXX WAS SUPPOSED TO TAKE OVER AND SHOULDER THIS RESPONSIBILITY OF MANAGING MY FINANCIAL AFFAIRS BUT DID A SHOCKINGLY BAD JOB. HE CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT SCORE FALLING DUE TO THE AVAILABLE CREDIT TO DEBT RATIO AND NEVER PASSED ALONG ANY REPLACEMENT CARDS AND SEIZED AND HELD ON TO MY BANK ACCOUNTS. 

I AM NOT SURE IF THE CHARGES ON AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX ARE DUE TO ANNUAL FEES OR WHETHER FRAUDULENT CHARGES HAVE BEEN MADE ON THAT ACCOUNT OR WHETHER MR. XXXX MADE ANY OF HIS OWN CHARGES ON MY ACCOUNTS. 

THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH XXXX SAID THAT I DO NOT HAVE TO WORRY AS I WILL NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE AND NEW CARDS WILL BE ISSUED. I DO NOT UNDERSTAND WHY AMERICAN EXPRESS LISTENS TO MR. XXXX OVER THE RIGHTFUL ACCOUNT HOLDER AND ALLOW THE FORWARDING OF REPLACEMENT CARDS AND STATEMENTS TO HIS OFFICE ADDRESS, WHICH IS XXXX XXXX XXXX XXXX, XXXX MI XXXX. 

IN ANY CASE, MY BEST RECOLLECTION WAS THAT THIS CARD HAD A XXXX BALANCE AT THE TIME IT WAS TAKEN OFF MY CHARGE BY MR. XXXX AS I JUST CAME OUT OF THE HOSPITAL AND DID NOT HAVE ANY CHARGES TO MAKE AND WENT TO PAY ALL MY CREDIT CARDS UPON RELEASE TO AVOID ANY PENALTIES AND NEGATIVE CREDIT REPORTS. THE ONLY TWO CARDS I USED WERE THE XXXX XXXX XXXX XXXX XXXX AND THE AMERICAN EXPRESS PLATINUM CHARGE CARD AND THE CHARGE CARD HAS TO BE PAID MONTHLY IN FULL. 

UNTIL AMERICAN EXPRESS AND XXXX VERIFIES THAT THESE CHARGES ARE NOT DUE TO ANNUAL FEES OR DUE TO MR. XXXX MAKING CHARGES ON MY PERSONAL CARDS AND THERE WAS NO FRAUDULENT CHARGES ON MY ACCOUNT FROM THE AUCTIONED OFF VEHICLE CONTAINING MY CREDENTIALS AND CREDIT CARDS, I ASK THAT XXXX  REMOVES THIS UNVERIFIED CREDIT ITEM OFF MY CREDIT HISTORY AS IT IS NEGATIVE AND IS NOT ACCORDING TO WHAT WAS ADVISED BY THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH WHO TOLD ME I WOULD NOT BE LIABLE FOR CHARGES THAT I DID NOT MAKE OR AUTHORIZE.

Company response to consumer: Closed with explanation