Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
FACTS I am a current credit card holder/customer in good standing of American Express Company ( hereinafter Amex, ). On XX/XX/year>, I received an email message from Amex, which states that my mailing address was obtained by Amex from the XXXXXXXX XXXX XXXX and this information was used by Amex to unilaterally update my credit file ( see enclosures ). 

I did not provide consent to my contact information being provided to Amex from XXXX or any other third parties. I also did not provide consent to Amex requesting or obtaining my contact information from XXXX or any other third parties. I did not provide consent to an update of my Amex customer profile information of any kind. 

On XX/XX/year>, I contacted Amex via live chat to provide them a good faith opportunity to directly resolve this matter, and submitted to them the following inquiries : 1. Please describe in specific detail all means, methods and processes which were employed by American Express to obtain my contact information from the XXXXXXXX XXXX XXXX. 

2. If anything of legal value or consideration was exchanged by Amex to obtain my contact information, please describe this consideration, provide a specific dollar amount, and date ( s ) on which such transaction ( s ) occurred. 

Amex then immediately connected me to a supervisor who stated that information responsive to these inquiries is not available and that the information was supplied by XXXX. The implicit suggestion embedded in this response was that XXXX has the legal right to give out customers addresses to anyone at will ( see enclosures ), when in reality, they do not have any such authority. If this is accurate, I would like to know what other sources Amex is being supplied with my personal information, without my knowledge or consent. Notably, the most likely reason that this information was not provided to customer service is that involves unlawful misconduct committed by Amex management. 

I then asked the supervisor if Amex could provide any assurances that Amex would not improperly obtain or transact any more of my personal information. He responded by providing a link to XXXX website and refused to provide any further details. He then attempted to confirm if the address that was input by Amex into my credit profile was correct, without providing any further explanation ( see enclosures ). 


CONCLUSION The above-described misconduct appears to be an egregiously improper disclosure and clear violation of section 804 of the Fair Debt Collection Practices Act and XXXX privacy provisions relating to strict consumer privacy prohibitions on communicating customers private information to third parties. Further, it is evident that this is a predatory lending practice committed by Amex to illegally track and intimidate customers by disregarding state and federal laws and any other privacy regulations as it sees fit to accomplish this result. Such practices are manifestly contrary to public policy and must be redressed. I am without the means to hire independent counsel and accomplish this on my own.

Company response to consumer: Closed with explanation