Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On or about XX/XX/XXXX, XXXX, my doorman XXXX notified me that a legal processor, which I later learned represented American Express XXXX had the intention to serve me legal papers, of which Ive never received any prior notice regarding a past due payment. 

At that time, I had a XXXX balance with American Express with my active credit card and have a track record of exceptional payment history. 

On or about XX/XX/XXXX, at approximately XXXX, someone pounded on my door. I did not open my door because I did not know who it was nor was I curious because the pounding was aggressive. I live alone and did not feel safe opening my door. 

On or about XX/XX/XXXX, at approximately XXXX, I called downstairs and my doorman, XXXX picked up the phone and I told him what happened earlier that afternoon and a porter came and checked on my door for anything because I was afraid. 

On or about XX/XX/XXXX, I called downstairs and asked XXXX why someone bypassed the doorman and he said that he verified that he was a real legal processor. 
On XX/XX/XXXX, besides my mortgage and my active credit card, I do not have any other debts. 

On or about XX/XX/XXXX, XXXX, because I felt unsettled not knowing who or what legal actions someone might want to take against me, I requested a credit report from XXXX and XXXX and learned that I allegedly had a {$22000.00} overdue balance for American Express card XXXX XXXX XXXX XXXX that was opened in XXXX, which I knew to be false because the Delta SkyMiles credit card I used to have, I closed in XXXX. 

I called numerous American Express phone numbers and finally spoke to a XXXX American Express gentlemen, XXXX, who identified the problem stated above to be potential complex fraud in the XXXX years that hes worked there and would have to investigate further. 

XXXX XXXX XXXX XXXX is a XXXX digit unique identifier for the actual XXXX credit card number ( ending XXXX ) which they replaced for security and privacy reasons. 

On or about XX/XX/XXXX, XXXX, I opened my front door and discovered a XXXX page summons taped on my door requesting my appearance and answer within XXXX or XXXX  days after service. 

The XXXX page summons taped on my door with an overdue statement was the first ever notice about an overdue notice and while the name, XXXX XXXX was on the statement, I have NEVER, EVER LIVED ON XXXX XXXX XXXX, XXXX, NY XXXX. 

I immediately called American Express and the customer service representative did not believe my claim and that there were no notes from XXXX about my claim and requested that I send my XXXX page taped documents to XXXX I was insistent that the American Express rep send me an email to verify that his notes are on my account because if he didnt trust my claim ; there would be no reason for me to believe that he would type up the notes that I conveyed to him. 

He subsequently checked with the back office and that I would hear back from their investigation. 

In the meantime, American Express has an active legal suit against me when I AM THE WRONG XXXX XXXX that they are after for the balance of {$22000.00} The suit index number is : XXXX with the Plaintiff Firm as XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation