Product: Credit card or prepaid card

In my attempt to get an American Express card, I was sent the following decline letter. After reviewing the specifics, I called American Express. While speaking to a representative in XXXX, she said that my application was declined based on a credit report American Express had from XXXX of XXXX. She went on to tell me the credit report contained derogatory information and that is why the application was denied. I expressed concern because I have ZERO negative marks on my credit report, according to XXXX, the credit report used to deny me credit by American Express. I want to know why American Express continues to lie and discriminate against people of XXXX like they are doing to me. 




American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX Ref : XXXX Dear XXXX XXXX XXXX Thank you for applying for XXXX XXXX XXXX American Express Card . We are writing to let you know that, unfortunately, we can not approve your application at this time. 



Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision. Your XXXX score is a number that reflects the information in your credit report. Your XXXX score can change, depending on how the information in your credit report changes. On XX/XX/XXXX, your XXXX score was 628. The XXXX score ranges from 300 to 850. The following are the key factors that contributed to your XXXX score : Account ( s ) not paid as agreed. 

Length of time accounts have been established. 

Proportion of revolving balances to revolving credit limits is too high. 

Proportion of loan balances to loan amount is too high. 



XXXX is a registered trademark of XXXX XXXX XXXX in the United States and in other countries. 



We realize this may not have been the outcome you hoped for. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. We invite you to apply again at a time when your circumstances have changed. 



If you have any questions, please call us at XXXX or write to us at the address above. You can also learn more about managing your credit at americanexpress.comXXXX 



Thank you for your interest in American Express. 



Sincerely, American Express Customer Care We've provided an important notice below concerning your rights. The creditor is American Express National Bank. 



Your Right to Get Your Credit Report Our decision was based in whole or in part on information obtained in a report from each consumer reporting agency in this letter. Please know that the consumer reporting agency played no part in our decision and can not supply you with the specific reasons for our decision. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting them directly. You also have a right to a free copy of your report from the consumer reporting agency if you request it within 60 days after you receive this notice. If you find that any information contained in the consumer report you receive is inaccurate or incomplete, you have the right to dispute the matter directly with the reporting agency. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX  Notice to U.S . Residents. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning American Express National Bank is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington, XXXX ( the " Bureau '' ). The federal agencies that administer compliance with this law concerning American Express Travel Related Services Company , Inc. are the Bureau ( address above ) and the Federal Trade Commission, Equal Credit Opportunity, XXXX  D.C. XXXX. 



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