Consumer complaint received 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I initiated a consumer credit transaction on XX/XX/XXXX with American Express. American Express denied my application for credit which is unlawful, fraudulent and misleading. I reference the closed account that American Express cited as reason for denial of my application below. The closed account was closed illegally by American Express. -- -In the attachment labeled as Exhibit A, American Express violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. American Express denied me credit. -- -Pursuant to 15 U.S. Code 6802, American Express may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with American Express be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. -- -Pursuant to 15 U.S. Code 1605, a finance charge was involved because my social security number was used. Also, a finance charge is the sum of all charges so, my previous account ending in XXXX should have never been closed due to on-payment as I did not request closure. -- Pursuant to 18 USC 8, I was never responsible for any bills related to the account ending in XXXX. All bills are the responsibility of the United States. -- -Pursuant to 15 U.S. Code 1602, the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit on XX/XX/XXXX ) is unauthorized use because I received no benefit. Also, my account ending in XXXX was an open end credit plan and should not have been closed by American Express. -- -Pursuant to 18 USC 1341, American Express devised a scheme to defraud me for the purpose of obtaining money form me under fraudulent pretenses in all bills they sent me during the time my account ending in XXXX was open. Exhibit B contains bills mailed to me by American Express. -- -Pursuant to 18 USC 1343, American Express devised a scheme for obtaining money by means of false pretenses by transmitting writings for the purposed of executing a scheme for me to pay them for alleged bills. Pursuant to 18 USC 1343, American Express, devised a scheme on its website at for obtaining money by false representations ( The XXXX XXXX XXXX American Express Card {$0.00} Introductory Annual Fee For The First Year, Then {$99.00} FEATURED BENEFITS XXXX per dollar spent on purchases at U.S. supermarkets. 
per dollar spent at U.S. restaurants whether you dine in, carry out, or order delivery. 
per dollar spent on purchases made directly with XXXX. 
XXXX for every eligible dollar you spend on purchases There are some limitations. For example, purchases of groceries from superstores or warehouse clubs and on certain in-flight purchases that are not directly from XXXX, like wifi, will only get XXXX XXXX. 

WELCOME OFFER Earn XXXX XXXX Bonus Miles Earn XXXX Bonus Miles after spending {$1000.00} in purchases on your new Card and up to {$50.00} back in statement credits for eligible purchases at US restaurants within your first 3 months. ) and promises and transmitted writings, signs and pictures for the purpose of executing a scheme to collect my nonpublic personal information and with the intention to steal the finance charge involved in the consumer credit transaction for a XXXX XXXX XXXX credit card from me. The web address where I applied for the American Express XXXX XXXX XXXX XXXX credit card is " https : XXXX/www.americanexpress.com/us/credit-cards/card-XXXX XXXX XXXX XXXX' The website does not state that my application will be denied. It suggests that if I " apply now '' all of the above benefits will be granted to me which is false and misleading as American Express denied my application for credit. 
Exhibit B contains bills mailed or sent via wire in electronic mail messages to me while the account ending in XXXX was open. -- -Pursuant to 15 USC 1611, American Express is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/XXXX but there was no mention of a check being mailed to me, the original creditor, for a finance charge. American Express is also criminally liable for failing to provide me with a check for the finance charge involved with my previous account ending in XXXX. -- -Pursuant to 15 USC 1681a, American Express can not deny me the credit I requested. -- -Pursuant to 15 U.S. Code 1681b, American Express fraudulently obtained my nonpublic personal information from XXXX XXXX because I did not provide either corporation with written instructions to furnish my consumer report to XXXX XXXX. -- -Pursuant to 15 USC 1640, American Express is civilly liable for violating 15 USC 1642. -- -Pursuant to 15 USC 1637 ( c ) ( 8 ), American Express issued the credit card account they referenced as closed in the attached adverse action letter, ending in XXXX in XXXX, when I was the age of XXXX. 15 USC 1637 says, the card should not have been issued until I was XXXX. -- -Pursuant to 15 USC 1666d, American Express is to remit payment to me for the last known balance in excess of {$1.00} on the account ending in XXXX.

Company response to consumer: Closed with explanation