Credit card -- Getting a credit card -- Complaint #12849247
Complaint Overview
Complaint ID: 12849247
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Texas
ZIP Code: 794XX
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint regarding my recent experiences with credit card applications. I have consistently made all of my payments on time, and my credit score is XXXX. Despite this, I have been denied approval for several credit cards that I applied for. Below are the details of my issue : Credit Score : XXXX Payment History : I have always made payments on time, and I have ensured that my credit utilization remains within acceptable limits. Date of Applications : I applied for new credit cards on several times. Outcome : On each occasion, I was denied approval, despite my positive credit history and responsible management of my accounts. I have reviewed my credit reports to ensure there are no errors, and everything appears in order. Given my credit score and track record of making timely payments, I find these denials to be unjustified. I would like to request an explanation for these denials and to have the companies involved reevaluate my application based on my creditworthiness. I would appreciate your assistance in resolving this matter and am hopeful that my experience will be shared on consumerfinance.gov for others to learn from. Thank you for your attention to this issue.
Frequently Asked Questions
What is Complaint #12849247 about?
Complaint #12849247 was filed against American Express Company regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-04-06T12:00:00-05:00.
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.