Consumer complaint received 2024-04-02 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: SC

Complaint narrative:
XX/XX/XXXX XXXX Amex to inquire as to why my name and info was one 2 business accounts that I did not open. Amex said they would investigate but we never received a report. 
XX/XX/XXXX Submitted ( XXXX ) XXXX Fraud Reports online and a report on XXXX aka the Federal Trade Commission. FTC XXXX # : XXXX XXXX Called Fraud Department XXXX regarding the account ending in XXXX and they redirected me to the debt collections number again XXXX then disconnected the call. Called Amex XXXX to report fraud again. Talked to : XXXX XXXX Confirmed XXXX. Told me that I should be calling the fraud department first. She then Advised me to call me back after I discuss with the fraud department. 
Asked the following, Ask them to close the fraudulent account and send you a letter confirming that : the fraudulent account is not yours you aren't liable for the account it was removed from your credit report XXXX - Called Fraud Department XXXX regarding the account ending in XXXX and they redirected me to the debt collections number again XXXX then disconnected the call. 
XXXX - Called XXXX Department XXXX regarding the account ending in XXXX and they redirected me to the number XXXX then disconnected the call. 
XXXX Tried to call XXXX XXXX XXXX XXXX and tried to connect me to XXXX XXXX who is apparently the account representative. I was connected to XXXX XXXX Senior Account XXXX. Told her the synopsis of the fraud situation. She said unfortunately since its been open since XXXX issue with the account being open that long and payments made and business was authorized by using the card accepting the card being used. Says Im obligor that signed to be responsible. She could not provide any proof that i signed anything. She said that the mailing address was my mailing address. If at any point my card was used it was agreement to the joint and several liabilities cause. Says its not considered fraud. Debt would have been in the purchase of the company and the card would have been removed or cancelled. Amex said there is nothing they can do until the balance has been paid off. So far it hasnt caused damaged irreparable to my credit. Suggested financial release program. I asked if that is better than bankruptcy. Offered a 3-way call with the credit bureau so they can offer further explanation. Due date was XX/XX/XXXX min payment is {$1500.00}. If that amount is paid, we can avoid the account charging off so it can be repaired/resolved. Charged off you cant resolve or repair and the amount is due in full. 
XXXX XXXX XXXX Department. XXXX Credit Bureau to explain charge off. Gave her my home address XXXX XXXX XXXX and my new email XXXX and my cell number XXXX. XXXX said she will go ahead and file it as fraud. 
XX/XX/XXXX Mailed ( XXXX ) dispute letters and the XXXX Notice XXXX XXXX to American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Per the FTC website recovery plan When you hear back from American Express, come back and let us know what happened. If we haven't heard anything in 30 day ( XXXX ), we'll send you a reminder. 
XX/XX/XXXX Received a letter for the accounting ending in XXXX stating that they disputed the claim since I received and used the card issued in my name. I have not received a response from Amex regarding the other account to date.

Company response to consumer: Closed with explanation