Consumer complaint received 2015-04-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
CFPB complaint response to XXXX # XXXX XXXX To American Express response original complaint against Amex. To Amex in your initial letter of response of XXXX XX/XX/2015, you requested a 60 day response time but chose to exercise and respond to my letter of demand PARTIALLY within 10 days. In regards to your letter of response a few documented facts need to be XXXX established. XXXX XXXX did call on XXXX XX/XX/2015 with my phone response of XXXX NOT XXXX. and is documented. In addition XXXX on her initial phone call never notified me the phone conversation as being recorded and only in a later phone conversation did she make mention of it to which I reminded her that she never stated it in the initial call. Further XXXX stated that there were zero monetary transactions w/ this American Express XXXX card that was opened on XXXX XXXX and yet your letter states there transactions of {$570.00} for which you derived profits from my stolen identity. Furthermore since there are financial transactions based upon your letter than it goes that there are bank routing numbers associated with this merchant card account and or bank checks submited on these transactions along with filing an IRS XXXX form for them. You neglected to state the fact that this merchant card account is now illegally used/listed by XXXX and XXXX to create a fraudulent business credit file on me using my stolen name and address ( tho you state in your letter that this account is not reported to personal credit agencies ) .I am now in the process of having DnB either remove or label this account derived from Amex as fraud. Most interestingly in your XXXX paragrah you address the Class Action Settlement notice I received & that I was involved in legal actions against Amex as not related to my concerns of ID Theft. From your response on this issue it denotes you didnt examine the first file attach XXXX and what this Notice represented.The Notice showed for the XXXX time that I was an ID theft victim w/ Amex. which allowed me to further investigate the nature of it 's existence via calls to XXXX who confirmed it and prompte XXXX further complaint calls to Amex to remove the fraudulent merch account. I have had to resort to the CFPB process to get the acct closed and NOW involve legal help to get my demands met and inform federal authorities of your activities. The MAIN pt of it all is that you had my name, address from the incept BUT chose NOT to contact me about the legitimacy of this account and only chose to contact me years later to get updated ACH bank routing numbers yet while providing me my supposed client merch #. Because of your actions to suppress the existence of this acct from me and only chose years later to contact me for ACH # 's, I have had to put a 7 year lock on my credit. XXXX also made it clear that the Amex/XXXX merch card acct is solely under control of XXXX and yet Amex earns 3.9 % transaction fee. There is NO mention of XXXX on the acct letters of demand you sent me in XXXX XX/XX/2015 which would indicate the acct is solely under Amex control and liability. Most interestingly is that you/Amex provided all this info to DnB who never contacted me of the business credit file developed on me using info of a criminal nature and of ID theft originations. DnB had my address and phone number which is documented. I am now demanding for the XXXX time according to XXXX XXXX which was stated in the original CFPB letter of XXXX XXXX ALL INFORMATION related to this account. All Bank routing numbers transacting in and out, phone numbers, TIN/EIN and company names involved with this acct. YOU WILL ALSO MAIL me the the XXXX for me to file to the IRS for the transactions. Before you respond to me via the CFPB re : this letter I would have NOW examine my attorney 's letter which he mailed certified to your legal dept in conjunction w/ this response. see attach '

Company response to consumer: Closed with explanation