Credit card or prepaid card -- Getting a credit card -- Complaint #7243038
Complaint Overview
Complaint ID: 7243038
Company: American Express Company
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: California
ZIP Code: 90057
Date Received: 2023-07-12T12:00:00-05:00
Date Sent to Company: 2023-07-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've been a victim of multiple identity thefts, and have an existing credit freeze and fraud alert on my credit file for all three three bureaus. On XX/XX/23, I received an email from Amex at around XXXX that a new Credit Card was approved under my name. I could not have opened this account as I was asleep. I called Amex fraud department, verified my identity, and the first person I spoke to denied that a new card was opened under my name & no such email was sent. I suggested her to transfer me to identity theft department or applications department. She then corrected herself saying she found the email and transferred me to another department. I spoke with XXXX from applications departments and she asked me to verify my identity again and asked if I opened this card. I told her I would have not been calling if I opened the card. She asked which XXXX XXXX card seemed fraudulent and I answered that I do not have that information as the approval email sent to me just says XXXX XXXX. I asked her how new card was opened under my name if my credit is frozen and I have a fraud alert on my account. She then transferred me to Identity Theft department where I spoke with XXXX. XXXX asked me to verify my identity again, and verified that there were TWO cards under my name that were not authorized by me. I informed him that I have a credit freeze and a fraud alert on my credit, so this should not have been approved in the first place. He opened an investigation into the fraudulent card opened under my name.
Frequently Asked Questions
What is Complaint #7243038 about?
Complaint #7243038 was filed against American Express Company regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-07-12T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid 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.