Credit card -- Getting a credit card -- Complaint #13271571
Complaint Overview
Complaint ID: 13271571
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: Ohio
ZIP Code: 454XX
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Wednesday, XX/XX/year> To whom it may concern, I am filing this discrimination complaint against American Express for failing to offer me credit on one of their BASIC credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an OUTSTANDING credit history and a current credit score of XXXX according to XXXX which is the credit bureau that AmEx uses to evaluate creditors. My theory is that since I pay off all of my bills/credit cards/lines of credit by the due date, which I have done for the past 40 years, that AmEx believes that they will not make any money off of me with regard to interest charges, late fees, etc. and thus will not issue me the card. Upon my initial declination of the card via an over the phone application with XXXXXXXX XXXX XXXX on Friday, XX/XX/year>, I was told I would be sent an e-mail explaining the reason for my declination which I NEVER received. I later found out that the reason I was declined was due to too many recently opened accounts ( I have opened 5 TOTAL accounts ; i.e., credit cards/lines of credit ; in the past 2 years including 3 accounts within the past year ). Additionally, the confirmation e-mail that I receive during the application process included sections regarding Financial Information, Rewards and Benefits and Welcome Offer Details. According to XXXX XXXX XXXX, the e-mail was also supposed to include the Terms and Conditions which it did not. I mentioned this to him and also stated I was not concerned about those issues at the time sincewellmy ability to handle credit and my bills. I was told to contact XXXX regarding my credit situation, and they confirmed all was well and that I had EXCEPTIONAL credit in EVERY ASPECT ( even my closed accounts were all EXCEPTIONAL/PAID/NEVER LATE ). I applied ONLINE today and was again denied credit. So I called AmEx again today and spoke with XXXXXXXX XXXX ) about getting a credit card and was denied once again. Here are the details regarding my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status for ALL OPEN ( as well as past closed accounts ) : EXCEPTIONAL/NEVER LATE I appreciate your efforts regarding looking into this issue and hope to hear back soon. Regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #13271571 about?
Complaint #13271571 was filed against American Express Company regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-04-30T12:00:00-05:00.
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.