Credit card or prepaid card -- Getting a credit card -- Complaint #5233432
Complaint Overview
Complaint ID: 5233432
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: Pennsylvania
ZIP Code: 19401
Date Received: 2022-02-17T12:00:00-05:00
Date Sent to Company: 2022-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for an AMERICAN EXPRESS XXXX XXXX XXXX on XX/XX/2021 and was denied. Reference number : XXXX I believe i was discriminated against in my application. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. I have contacted AMERICAN EXPRESS by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. AMERICAN EXPRESS is in violation of XXXX U.S.C XXXX, XXXX U.S.C XXXX, and XXXX XXXX XXXX because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. I am aware of AMERICAN EXPRESS and their procedures and policies, but they do not XXXX XXXX Laws. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to XXXX U.S.C XXXX and XXXX U.S.C XXXX. ( {$1000.00} per violation )
Frequently Asked Questions
What is Complaint #5233432 about?
Complaint #5233432 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 2022-02-17T12:00:00-05:00.
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.