Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express 's underwriting team hoodwinked me and other consumers into sharing their private banking information and statements to attempt to steal identity and intrude on consumers ' privacy. XXXX XXXX : XXXX American Express in XXXX is being utilized as an errand boy by promoting illicit compliance processes in the credit underwriting teamin a particular country or jurisdiction, an unqualified workforce that takes advantage of consumers, makes discriminatory, snide remarks such as XXXX, employee ID who stated her employee ID is XXXX making disparaging remarks about my benefits, interests rates which are outside of her job as she is not privy to my information inmy bank accounts breaching bank secrecy act.Such illicit actions by the underwriting team are violating antitrust laws by giving them an unfair advantage. 
This is also a discrimination concern because creditors are being discriminated against and violating FCRA and FTC privacy and security, bringing up concerns of identity theft and other laws, rules, and regulations. 

XXXX XXXX is the underwriter coordinator/liaison. The unknown underwriting team and illicit underwriting team memberssuch asXXXX XXXX makeXXXX XXXX do the dirty work do dirty work of the illegal process. This violates labor laws, so consumers can't find a source to discuss their dire issues or find accountability. XXXX XXXX is the errand boy for the illicit underwriting team without accountability.The underwriting team spreads misinformation and disinformation to consumers to earn their business, compromise their privacy, steal consumers ' identities, and discriminate against consumers basedon their protected classes. 

The underwriting team hides American Express, tarnishing its reputation while employed illicitly. This is a dire concern to consumers who will ; the associate, XXXX XXXX, mentioned that consumers do not have the right to know who is looking at their financialstatements/identity/privacy. XXXX XXXX could not provide proof of such policystating that unknown or existing underwriting exists within American Express without discriminating against consumersor adhering to FCRA, FCPB, and FTC laws, rules, and regulations. Furthermore, employees such as XXXX are in different countries or jurisdictions and must be aware of FCRA and FTC. 
The consumers have the right to know how their accounts are being handled. XXXX XXXX said he passed on the feedback without any urgency or acknowledgment of the gravity of this situation regarding the high-riskand illicit process of Americans in the underwriting team. But no results while consumers are being defrauded and their rights are being violated. 

It was an aggressive, illicit way they acquired more of my banking statements by asking for more statements by false disposition and misrepresentation. The consumers have yet to learn who these people are, and there have been numerous by my banks to show that the underwriting team needs proper credentials to make decisions on consumers ' accounts. 
" XXXX, '' I don't know her last name or her employee ID, left me a voicemail. She must coach her team to follow the laws, rules, and regulations of the country or jurisdiction. She is in the USA, but I'm waiting for a call to get feedback on her due diligence. Who is XXXX 's supervisor? 
There are misrepresentations and spreading of misinformation used to hoodwink consumers within American Express who misrepresent themselves in the background to earn consumers ' business, just like how XXXX XXXX opened fake consumer accounts. The consumers have yet to learn who these people are without proper credentials ; they are soliciting their fake/false underwriting credentials without proof. One of the personal coordinators of the banks said XXXX needs the credentialsto look at and make decisions on underwriting.

Company response to consumer: Closed with explanation