Consumer complaint received 2016-07-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
We recently experience credit card discrimination from XXXX XXXX. As a consumer, my daughter applied for an XXXX XXXX XXXX card and was approved and granted me the right to be an authorized users and manager of her account. The credit card application specifically states : Include all income available to you. If under age XXXX, include only your own income. Income includes wages, retirement income, investments, rental properties, etc. My daughter is XXXX and recently completed her XXXX XXXX in XXXX XXXX from XXXX University and this was also duly noted on the application that she was a student. During the application process, she stated I could be an authorized user on the account and XXXX requested my SSN and granted me to be an authorized user without stipulation on who utilizes the card the most. In turn, we both received a card and began to utilize the cards, accordingly. Also, with my daughter 's awareness, she was told what I was utilizing the card for and how it was being paid back. Again, we just received the card end of XXXX 2016 with a closing statement on XXXX XXXX which makes the bill ultimately due on XXXX XXXX. However, we received a call on yesterday from a XXXX XXXX within the XXXX XXXX XXXX who initially left a message on my daughters phone to return her call with no indication the account was being put on hold. Then she left a message on the secondary number which is my number. I immediately returned the call and she stated the account was being put on hold and needed to speak with my daughter. I stated that I was the account manager and can get my daughter on the phone to discuss the matter and she stated I could not be on the phone with my daughter while she discussed the account. I, in turn, had my daughter to return her call yesterday afternoon who was tormented, patronized, and illegally questioned regarding certain discriminatory comments received from XXXX XXXX and the call was recorded. After the continuous probing, undermining comments were made towards her mother, she stated that my daughter needed to send XXXX recent bank statements to have the account reviewed for release. I sent the bank statements in on yesterday afternoon and was also later informed by another associate on yesterday within the Financial Review team that it was incorrect for XXXX XXXX to state she could not allow me to be on the phone if my daughter stated that " I would like to have my mother on the phone while we discuss the account and authorize her to be apart of the conversation ''. First of all, she questioned " why did n't your mother apply '', " are you working '', and other sly discriminatory comments were made by XXXX XXXX. My daughter in turn stated more than XXXX occasion during the she authorized me to utilize my authorized card for various transactions. She constantly probed her even after stating send in the bank statements. Its as if she was longated the conversation with my daughter to get unnecessary information from her regarding her mother who works full-time and makes a XXXX income. Her unnecessary scrutiny was a blatant discrimination towards XXXX minorities. Also, I made another call to XXXX XXXX on yesterday after she spoke with my daughter and left a voice mail, since she did not pick-up. I stated that I did not like the way she spoke to my daughter on the phone and some of the questions were unnecessary and requested a call back. She called me back this morning utilizing with retaliatory comments, since I left her a message about the comments made on the phone yesterday with my daughter. Initially, she was told to send XXXX bank statements for the release of the account and on this morning after I stated to her she was discriminating against us because we were XXXX, she retaliated again with credit discrimination comments towards me.

Company response to consumer: Closed with explanation