Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
AMEX Bank is making fraud accounts/credit cards without confirming peoples ' identity. 

I have banked with AMEX since XX/XX/XXXX. I had XXXX cards 'XXXX  ' and XXXX XXXX '. AMEX is aware of my identity, my email address and my phone number since XXXX. I have my own AMEX credentials with my login details that they are aware of to-date. 

In XX/XX/XXXX, I called AMEX myself and asked them to run my SSN, as I found statements coming to my home address of accounts that do not belong to me. There were 5 additional fraud accounts made using my name, SSN and home address. The identity thief used a different email address and phone number to open these accounts. First account was opened on XX/XX/XXXX and latest was opened XX/XX/XXXX. 

I immediately asked AMEX to close all the 5 fraud accounts. I provided them with the police report, identity theft.gov report and additional supporting documents. Claims in the fraud department were filed immediately. Initially, someone off score called me from a blocked number and identified themselves as AMEX representative. They asked me to submit supporting documents via XXXX '. During one of the calls she asked me to go to the XXXX bank either to get a written letter from them that I do not have an account with them or take a picture of the XXXX banker 's computer screen to prove that I do not bank with them. The XXXX banker asked me to report this person immediately as these are not standard American banking practices. 

I reported this immediately to the AMEX XXXX XXXX in XX/XX/XXXX. They simply called back and informed me that they have had a conversation with that AMEX Fraud Team representative and this will not happen again. Since that day AMEX Fraud Team mishandled my dispute claims. 

In XX/XX/XXXX, one of the fraud team supervisor informed me that none of the supporting documents I had submitted to the above email address were ever attached or reviewed for my disputes. In XX/XX/XXXX, for the first time I requested for and was provided with statements of these accounts sharing the details of how they were made and the details how of the principal amount was generated. 

Though the accounts were made using my name, SSN and home address. The identity thief made credit cards under his name, used various different modes of payments through out the life of these accounts, such as someone's XXXX account and other online mode of payments. 

AMEX refused to consider all these facts and wants me to pay for the debt that is not mine, as a few payments were made using my XXXX  account number. These were set up after XX/XX/XXXX, after I had already alerted AMEX of these fraud accounts. I closed this XXXX  account due to these fraudulent autopayments that I did not set up. On XXXX end, AMEX returned the money drawn via fraud autopayments from my XXXX  account acknowledging that they were not made by me. While on the other hand AMEX stats that I need to pay someone's debt because payments were made using my XXXX  information for a few months '.

Company response to consumer: Closed with explanation