Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2019 The end of last month, XX/XX/2019, I came across a fraudulent hard check from XXXX XXXX via my online XXXX account that had posted XX/XX/XXXX, year prior. By the beginning of this month, I went to secure an American Express line of credit to satisfy an alternate agenda of compliance and " good faith '' measures for XXXX County Courts of Oregon. : a budget of dollars to purchase on credit while XXXX  XXXX assistance comes to fruition, presumed now in short order, but still waiting final judgement. 

Actively in pursuit, I wrote and sent via USPS to the Media Department of XXXX XXXX XXXX, UT, as directed by American Express 's New Accounts Division, XX/XX/19 with XXXX, my notes up through and including a Police Incident Report I had just filed, days prior. It was then, that I acted in " good faith '' mailing my notes and removed hard inquiry per XXXX. 

That very same day, the unmanaged underwriting team c/o American Express filed the first of three denial letters, failing to even wait for the " good faith '' documents to arrive via post and upload. That initial XX/XX/2019 letter picked up ( in tandem with the XX/XX/XXXX letter ) from XXXX Post Office, has literature pertinent to my next course of expedited lateral action. 

I went to Dept. of Social Services, XXXX website, downloaded their proprietary cover letter, put together a disputed response to fax directly against noted XX/XX/2019 letter of premature and discriminatory action ( s ) against me : a long-time costumer ( since the mid-XXXX to current ). 

My " good faith '' due to fraud stretched further in the 26-page facsimile to American Express, detailing protocols of student loans discharging post XXXX XXXX determination, and as a recipient of XXXX SNAP beneficiary, increasing my income from $ XXXX/mo upward to $ XXXX/ mo. Also worth highlighting : my XXXX FICO score went from XXXX against XX/XX/19 letter to XXXX XXXX   soft report reflecting up to XXXX. I followed-up that following Monday, XX/XX/19, for a re-submission -- a lateral last, prior escalating my complaint to this level of  governance. XX/XX/2019 denial letter expected in the mail within days, per today 's follow-up conversation, and due to enclose herein as well. 


Meanwhile, I proceeded to order a free XXXX report via USPS once the documents failed to load via their website. I anticipate returning more reconciliation due to fraudulent activity already presented me. 

In closing, I not only acted as Consumer Protection Act and Social Security  and XXXX binds me to in " good faith, '' but I also went to great lengths to prevent subsequent discrimination upon me from American Express. 

I entrust justice prevails here and henceforth, as I am a very concerned citizen regarding goings-on of Globalized mercantilism, indeed, between myself and situational trends with American Express as of late ; I anticipate resolve in my favor and on my behalf. 

Sincerest regards, XXXX XXXX XXXX XXXX XXXX XXXXn XXXX NOTE : SCANNED 39-PAGE ATTACHMENT FILE TOO LARGE TO UPLOAD

Company response to consumer: Closed with explanation