Credit card or prepaid card -- Getting a credit card -- Complaint #5894261
Complaint Overview
Complaint ID: 5894261
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: New Jersey
ZIP Code: 081XX
Date Received: 2022-08-18T12:00:00-05:00
Date Sent to Company: 2022-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello I XXXX XXXX recently applied for a credit card on XX/XX/2022. I received a denial letter XX/XX/2022 saying, Thank you for applying for American Express Gold Card. We are writing to let you know that, unfortunately, we can not approve your application at this time. So I called American Express the same day XX/XX/2022. Explaining 15 USC 1602 ( f ) which tells me credit is my right I can not be denied a right. American Express proceeds to explain I was denied because of my credit score. Then I respond with 15 USC 1602 ( p ) makes is clear they committed fraud used my credit card ( social security card ) without authority and I received no benefits. American Express repeats themselves saying your credit score makes you ineligible for credit according to our procedures. I respond with, Isnt that discrimination? According to 15 USC 1691 ( a ). These are three violations off of one phone call. I feel like Im being taken advantage of I feel stressed an XXXX because I cant pay my bills and car notes an provide for my child. I know my rights as a person. This company policies doesnt supersede Federal Law. So Im asking you to step in to help American Express understand. Thank you!
Frequently Asked Questions
What is Complaint #5894261 about?
Complaint #5894261 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 2022-08-18T12:00:00-05:00.
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.