Credit card -- Getting a credit card -- Complaint #9776620
Complaint Overview
Complaint ID: 9776620
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: California
ZIP Code: 900XX
Date Received: 2024-08-11T12:00:00-05:00
Date Sent to Company: 2024-08-11T12:00:00-05:00
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 a credit card application denial by American Express that I believe may involve discriminatory practices and a lack of equal consideration. On XX/XX/year>, I applied for the Blue Cash Everyday card from American Express. My application was denied, and I received an adverse action letter citing my XXXX score ( XXXX ) as the primary reason for the denial. I believe this denial may be discriminatory for the following reasons : 1. Religious Discrimination : As a XXXX, I operate with the belief of conducting business honorably and in good faith. I believe this religious principle may have been used against me in the credit decision process. 2. Lack of Equal Consideration : The adverse action letter does not provide sufficient information about how my application was evaluated beyond the XXXX score. I believe my entire financial profile and my commitment to honorable dealings were not given proper consideration. 3. Potential Violation of the Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits discrimination in credit transactions based on religion, among other factors. I believe my application may not have been evaluated fairly and in compliance with this act. 4. Misleading Advertising : The credit card was advertised with certain terms, but the denial seems to contradict the implied accessibility of the product based on those advertised terms. 5. Lack of Transparency : The adverse action letter does not provide a clear explanation of how my religious beliefs and principles of honorable dealings were factored into the decision-making process. I request a thorough investigation into American Express 's credit application evaluation process to ensure compliance with anti-discrimination laws, particularly regarding religious beliefs and practices. Additionally, I ask for a review of American Express 's advertising practices to ensure they are not misleading consumers about the accessibility of their credit products. I appreciate your attention to this matter and look forward to your response.
Frequently Asked Questions
What is Complaint #9776620 about?
Complaint #9776620 was filed against American Express Company regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-08-11T12:00:00-05:00.
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.