Consumer complaint received 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In good faith, I exercised my right and applied for an extension of credit with American Express, on XX/XX/XXXX. American Express unlawfully discriminated against me, with respect to an aspect of a credit transaction. After reviewing my application they sent an adverse action notice via email and USPS, stating the reason ( s ) for their decision : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  Ref : XXXX Dear XXXX XXXX, 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. 



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 XXXX. The XXXX score ranges from XXXX to XXXX. The following are the key factors that contributed to youXXXX XXXX  score : You have a serious delinquency on one or more of your accounts. 

There are too few accounts currently paid as agreed. 

The ratio of revolving account balances to their credit limits is too high. 

The ratio of loan balances to the loan amounts 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.com/us/content/financial-education. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, color, religion, national origin, sex, 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, XXXX XXXX XXXX, Washington, XXXX XXXX. 



XXXX

Company response to consumer: Closed with explanation