Credit card -- Getting a credit card -- Complaint #13834341
Complaint Overview
Complaint ID: 13834341
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: New York
ZIP Code: 10312
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I would like to formally dispute multiple late payment reports associated with credit card accounts that I have no knowledge of and have never authorized or opened. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate information to credit reporting agencies. The reporting of these late payments is inaccurate and violates my rights under the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations regarding debts. The following accounts are fraud and should be removed immediately, Account Name : XXXX XXXX Account Number : XXXX Account Name : AMERICAN EXPRESS Account Number : XXXX Reporting late payments on an account that I did not authorize constitutes a violation of this statute. I request that the CFPB investigate this matter and direct the creditor to : Provide verifiable proof that I am legally responsible for this account ; and Remove all inaccurate late payments and accounts from my credit report. These false late payments are causing harm to my credit standing and affecting my financial stability. I have the right to accurate reporting, and I urge swift action to correct this matter. My FTC report # is XXXX
Frequently Asked Questions
What is Complaint #13834341 about?
Complaint #13834341 was filed against American Express Company regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.