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:
I realized that I was no longer listed as the authorized user on our company credit card accounts but as the owner of the accounts after my father died. XX/XX/XXXX Call Amex to inquire as to why my name and info was XXXX XXXX businessaccounts that I did not open. Amex said they would investigate but we never receiveda report. XX/XX/XXXX Submitted ( 2 ) XXXX Fraud Reports online and a report onIdentitytheft.gov aka the Federal Trade Commission. FTC Reference # : XXXX Called Fraud Department XXXX regarding the account ending XXXX and they redirected me to the debt collections number again XXXX disconnected the call. Called Amex XXXX to report fraud again. XXXX : XXXX XXXX Confirmed Balance. Told me that I should be calling the frauddepartment first. She then Advised me to call me back after I discuss with the frauddepartment. Asked the following, Ask them to close the fraudulent account and sendyou a letter confirming that : the fraudulent account is not yours you aren't liablefor the account it was removed from your credit report XXXX - Called FraudDepartment XXXX regarding the account ending in XXXX and theyredirected me to the debt collections number again XXXX thendisconnected the call. XXXX - Called Fraud Department XXXX regardingthe account ending in XXXX and they redirected me to the number XXXX disconnected the call. XXXX Tried to call XXXX XXXX answered and tried to connect me to XXXX XXXX who is apparently theaccount representative. I was connected to XXXX XXXX XXXX Account Specialist.Told her the synopsis of the fraud situation. She said unfortunately since its beenopen since XXXX issue with the account being open that long and payments madeand business was authorized by using the card accepting the card being used. SaysIm obligor that signed to be responsible. She could not provide any proof that isigned anything. She said that the mailing address was my mailing address. If at anypoint 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 companyand the card would have been removed or cancelled. Amex said there is nothingthey can do until the balance has been paid off. So far it hasnt caused damagedirreparable to my credit. Suggested financial release program. I asked if that is betterthan bankruptcy. Offered a 3-way call with the credit bureau so they can offer furtherexplanation. 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 offyou cant resolve or repair and the amount is due in full. XXXX XXXX Department. XXXX Credit Bureau to explain charge off. Gave her myhome address XXXX XXXX XXXX and my new email XXXX my cell number XXXX. XXXX said she will go ahead and file it as XXXX Mailed ( XXXX ) dispute letters and the FTI Notice to Furnishers to American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the FTC website recovery plan When youhear back from American Express, come back and let us know what happened. If wehave n't heard anything in 30 day ( s ), we'll send you a reminder. XX/XX/XXXX Received aletter for the accounting ending in XXXX stating that they disputed the claim since Ireceived and used the card issued in my name. I have not received a response fromAmex regarding the other account to date.

Company response to consumer: Closed with explanation