Consumer complaint received 2024-09-10 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: MI

Complaint narrative:
On XX/XX/XXXX I attempted to open a credit card at XXXX. I was denied and knew my credit score would be sufficient to be approved. I had been getting calls from a number claiming to be American Express. I did not take them and eventually blocked them because I thought they were fraudulent. I should also include that I have had other calls, emails, and SMS notifications that I did not recognize. So, eventually I got a letter forwarded to my new address from my last apartment. It was from American Express. I called them and they informed me that I had three credit cards open with balances totaling over {$40000.00} and that the accounts had been closed and that I owe this money. They also told me that these cards were linked to a XXXX rewards account so I proceeded to call XXXX someone had been using my money to collect XXXX miles. Im not sure if they were cashing these miles or giving them to someone else however, if that was the case they would have had to have access to my license or some sort of photo ID as well. I believe that my entire identity was stolen and not just a Social Security or general information. At this point, Im not sure what else has been compromised or the extent or timeline. I have checked my credit report and the other cards on my account due belong to me however, the last time I checked, my credit was over three years ago that is my fault, going forward I am going to freeze my credit Reports and make sure that creditors contact me at my phone number. I am in the process of changing my phone number and deleting my XXXX and XXXX accounts. I do not have evidence clearly of this, but I believe that I was a victim of XXXX fraud, which is a new type of fraud where people can access your cell phone remotely and basically see every activity that youre doing. To my understanding, they would be able to receive any text messages or SMS alerts and see all of my emails and any other correspondences that I had as well as conversations with people and being able to forward calls and hear my voicemails. They would also be able to access any accounts that I had for my current credit cards. I did go into XXXX about a month ago and have my changed on my card however I dont know if that is sufficient so I will be changing my phone number. About nine months ago the company I worked for did have a big security breach and got a hold of all of our email addresses personal and Work and I did have a app on my phone. That was a security For the company and part of me wonders if that had something to do with it, however, American Express confirmed that these credit cards have been opened for over two years. I need to know what action I need going forward and American Express is willing to send me copies of all of my statements however, I really dont wan na receive anything in the mail that could be intercepted or that I might believe to be fraudulent because at this point, I am having a hard time, trusting any business or resource Including this website to be honest.

Company response to consumer: Closed with explanation