Consumer complaint received 2021-11-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act. 
I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference.

15 U.S. Code 1681a ( k ) Adverse Action.

( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer.

Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor. 
I contacted this company on XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.

As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act.

Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position. 

- I have also included the letter that they sent me after my application was denied for reference for this company Sincerely XXXX XXXX

Company response to consumer: Closed with explanation