TLDR is that Amex incorrectly linked my card with another person’s , may have exposed my personal information to that person and refuses to make it better. My big learning- stick with Chase I just applied and was approved for the Amex Gold card. Important to note this is my first Amex card. I got an email to create an account and attempted to do so. As I created the account, a prompt asked for my mothers birthday. “That’s weird” I thought, “I don’t remember giving them that information as part of the process”. Amex then accused me numerous times of not knowing my mother’s birth date before kicking me out for security purposes.So I called , was put on hold and eventually spoke with someone. I was then told I have had the Delta sky miles card since 2018. I was also asked if I’d changed my last name. I was told there’s a $6K balance. So now I’m in a panic that someone has had a credit card open in my name for 5 years. They reassured me it’s been flagged for fraud. Freaking out, I run my credit reports from all three bureaus (incurring a charge). To my surprise, said Amex card is not noted in any of my credit reports.So I call again. This time the representative tells me that the account of the delta card my gold card is linked to has a different last name, social security number, and address. It also has had a revolving credit line that’s been used and paid. The only piece of information that seems to match is our first name. OUR FIRST NAME!! And my name isn’t that unique. They reassure me that they will make sure the accounts are separated and that I can use my gold card once it arrives.Gold card arrives. I try to create an account again. Told my card is blocked again. Call again. Again told I also have a delta card. Then told the fraud teams is still investigating and it may take 30 days and there’s nothing I can do. She at least unblocked my card.I then asked if Amex could do anything to make my experience better given I’ve wasted a bunch of time on the phone regarding their error along with money . I was also in a panic that my identity was stolen. She transformed me (erroneously) to the corporate card side who then finally transferred me to the personal side who then said they would do nothing.Trying to figure out if there’s a regulatory violation as it’s possible the person with the Amex delta card could’ve seen my information I will get my bonus points use them and immediately cancel this card and avoid Amex like the plague.
