American Express
Son Added As Rider Without Consent And Charged 10,400 Dollars

In July I was in the Atlanta airport and was stopped by an American Express kiosk. The representative stated if you applied for an American Express card and used it you could get a lot of benefits like frequent flyer miles etc. I filled out the application thinking it would be a good thing. A question on the application asked for a person you put down as a future reference that may be interested in a card so I listed my son.

Having over an 800 credit score I received a card from American Express for a 25,000 credit limit. I didn't activate the card right away. A few months past by I receive a bill for 95 dollars. I called American Express and talked to a representative on the phone because I had not used my card. The 95 dollars was an annual fee. I told the representative to cancel this card because I did not want a card with that type of fee knowing how great my credit score is.

They waived the fee and canceled that card and issued me a card with no annual fees. When I received the card I called and activated it. On October 29th at 8am in the morning American Express called. They wanted to verify a charge at khols department store for 62 dollars. I told them I had not used my card and had not tried to purchase anything at khols department store. The representative stated it was a charge for my son Logan Rudd.

I told the representative they needed to call him he has his own credit card account with them. They proceeded to tell me he was a rider on my account unknown to me. They had sent him a card in the mail to call and activate his card. He called and activated it. On the 29th he had tried to charge items from khols on his card with his name on it and a different account number than my account. On November 2 I received a bill from American Express in the mail stating I owed 4,932.17.

Very upset I called American Express knowing I had still not used my card the representative stated my son had made all the charges and he is a rider on my card and I was the primary card holder. I told the representative I never authorized my son to be a rider on my card that they sent him an offer in the mail and all he had to do was activate his card. After being on the phone for about an hour and talking to 3 different representatives on the phone I was told I had to pay the charges for something I didn't authorize.

After being told I pretty much had to eat the charges I asked if there were any other charges coming on this account because I had them cancel this account. The representative proceeded to tell me an additional 10,400 was coming to me. My son had charged that amount on his card on October 27. They called on the 29th for a 62 dollar charge at khols store but not for the purchase of a four wheeler and additional accessories my son had charged.

None of this was ever authorized by me and I feel I need to know what my rights are and how I need to handle this terrible situation. American express refuses to open another account for my son a transfer all his charges to that account. Could you please let me know how I can resolve this problem.

Company: American Express
Country: USA
State: New York
City: New York
ZIP: 10285-3106
Address: 200 Vesey Street
Phone: 2126405714, 2126402000
Site: americanexpress.com

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