Credit card or prepaid card -- Getting a credit card -- Complaint #4810285
Complaint Overview
Complaint ID: 4810285
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: Application denied
State: South Carolina
ZIP Code: 290XX
Date Received: 2021-10-14T12:00:00-05:00
Date Sent to Company: 2021-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness. American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.
Frequently Asked Questions
What is Complaint #4810285 about?
Complaint #4810285 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 2021-10-14T12:00:00-05:00.
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 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.