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

Complaint:
AS MENTIONED IN PREVIOUS REPORTS, MY VEHICLE WAS LEFT BY THE SIDE OF THE ROAD AND IMPOUNDED AT XXXX XXXX IN XXXX, MI DURING A TIME THAT I WAS IN THE HOSPITAL AND COULD NOT RETRIEVE MY CAR AND IT WAS AUCTIONED OFF FOR NON-PAYMENT OF STORAGE FEES AND THE CAR CONTAINED MY PERSONAL IDENTIFICATION : DRIVER LICENSE, CHECKBOOKS, SOCIAL SECURITY CARD, W2, 1099, CREDIT CARDS AND DEBIT CARDS THAT WERE NOT RETURNED TO ME OR SECURELY DESTROYED. 

I GOT CALLS FROM DIFFERENT CREDIT CARD COMPANIES ASKING ME IF I MADE ANY CHARGES TO MY ACCOUNTS AND I QUICKLY CALLED UP ALL THE CREDIT CARD COMPANIES I COULD RECALL BASED ON MY CREDIT REPORT LOOKUP AND TOLD THEM TO RE-ISSUE NEW CREDIT CARDS AND I WAS ASSURED THAT I WOULD NOT BE RESPONSIBLE FOR ANY CHARGES THAT I DID NOT AUTHORIZE OR MAKE UP TO A MAXIMUM OF USD XXXX FOR SOME CARDS AND USD XXXX FOR OTHERS. 

UPON DISCHARGE, I QUICKLY WENT TO MAKE PAYMENTS ON ALL MY CREDIT CARDS AS I DID NOT WANT NEGATIVE REPORTING TO THE CREDIT BUREAUS OR TO INCUR LATE FEES. ALMOST ALL THE CREDIT CARDS WERE PAID DOWN TO XXXX BALANCE BEFORE XXXX XXXX, A CONSERVATOR ASSIGNED BY THE XXXX COUNTY COURT TO MANAGE MY FINANCIAL AFFAIRS CAME ALONG. 

MR. XXXX WAS WARNED THAT THERE MAY BE FRAUDULENT ACTIVITY ON MY CREDIT CARDS BUT DID NOT VERIFY WITH ME ANY OF THE CHARGES. INSTEAD, HE REDIRECTED ALL MY MAIL ( INCLUDING THE REPLACEMENT CARDS SENT AND FINANCIAL STATEMENTS ) TO HIS OFFICE AND SEIZED CONTROL OF ALL MY BANK ACCOUNTS. 

NOT ONLY WAS HE NOT PRUDENT WITH MY FINANCES, HE WAS RECKLESS AND NAIVE AND CANCELLED ALL MY CREDIT CARDS RESULTING IN MY CREDIT TO DEBT RATIO DROPPING TREMENDOUSLY AND ALONG WITH IT MY CREDIT SCORE. 

IT IS UNKNOWN WHETHER THE AMERICAN EXPRESS ACCOUNT # XXXX OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX HAD ANY CHARGES RESULTING FROM ANNUAL FEES OR UNPAID BALANCE BUT IT APPEARS THE CARD WAS PAID OFF IN FULL BY XX/XX/XXXX AND NOT USED AFTER THAT WITH NO DATA ( BECAUSE NO PAYMENTS WERE NEEDED DUE TO A XXXX BALANCE ) POSTING ON THE ACCOUNT AND THEN AN ABRUBT CHARGE OFF ON XX/XX/XXXX AFTER MR XXXX TOLD ME THAT THESE ACCOUNTS HAVE BEEN CANCELLED BY HIM. 

IT IS UNSURE WHETHER THESE CHARGES WERE MADE BY HIM OR BY SOME FRAUDULENT PARTY WHO HAD ACCESS TO MY CREDIT CARD ACCOUNTS FROM THE DATA AND SECURITY BREACH THAT ACCOMPANIED THE AUCTIONING OFF OF MY VEHICLE OR IF THE CHARGES WERE DUE TO ACCOUNT ANNUAL FEES AND INTEREST, WHICH IS UNLIKELY TO OCCUR IF THE ACCOUNT WAS INDEED CLOSED AND ACCRUE A XXXX CHARGE OFF AMOUNT. 

IN ANY CASE, I AM VERY SURE THAT THIS ACCOUNT WAS LEFT IN TACT WITH A XXXX BALANCE WHEN I WAS LAST IN CHARGE AND IN CONTROL OF MY ACCOUNTS BEFORE MR XXXX TOOK OVER AND DEPRIVED ME OF ACCESS TO MY OWN FINANCES AND FINANCIAL STATEMENT AND WAS INTERESTED IN LINING HIS OWN POCKET WITH CHARGES THAT HE SUBMITTED TO THE COURT. 

LACK OF ANY VERIFICATION BY MYSELF AS TO WHETHER I RECALL ANY OF THE CHARGES MADE AND WHETHER THESE WERE AUTHORIZED BY ME OR NOT, I ASK THAT YOU PLEASE REMOVE THESE NEGATIVE ITEMS FROM MY CREDIT HISTORY AND PROFILE AS INDICATED BY YOUR REPRESENTATIVE I SPOKE WITH XXXX WHO SAID THAT ONLY AUTHORIZED CHARGES AND CHARGES THAT I MAKE WILL I BE RESPONSIBLE FOR AND THAT I HAVE ZERO LIABILITY AGAINST FRAUDULENT CHARGES OR UNAUTHORIZED CHARGES. 

I THEN QUESTION WHY THIS ACCOUNT THAT I EXPLICITLY RECALL PAYING DOWN TO XXXX BALANCE IS SHOWING UP WITH A CHARGE OFF AMOUNT IN THE RANGE OF USD XXXX AND AFFECTING MY CREDIT HISTORY AND ABILITY TO SECURE FUTURE CREDIT AND EMPLOYMENT JOB CHANGE ESPECIALLY SINCE MR XXXX XXXX WAS APPOINTED BY THE XXXX COUNTY COURT AS CONSERVATOR STARTING SOMETIME IN XXXX, WHEN THE ACCOUNT WAS STILL IN GOOD STANDING AND I HAVE NO IDEA WHAT HAPPENED AFTER HE TOOK OVER AS I WAS DEPRIVED ACCESS TO MY BANK ACCOUNTS AND ALSO MY FINANCIAL AND BANKING AND LEGAL AND TAX STATEMENTS THAT WERE ALL FORWARDED TO HIS OFFICE.

Company response to consumer: Closed with explanation