Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XX/XX/XXXX. I got approved for XXXX line of credit from Kabbage funding Line of Credit .... I called numerous time to get an increase since they did not even check my credit to give me that line, and it was not fair to myself or our small business.. During one of those phone call, in XX/XX/XXXX, I was told to take it or leave it by a customer service personnel when I request to speak to a supervisor. I was not made aware in that call, if I closed the account, i could never reapply. At that times, in order to qualify for more credit with other application. I was asked to closed other line open which was affecting my approval amount. The loan that I sign did not contain any closed on barring from future lines in case, i asked to closed the line ... and the person who took my call, did not inform me of this subjective and discriminating policies against me.. 
I was surprised later on, when I try to get a line of credit with American Express blueline of credit, that I could not qualify for one, not on the basis on my credit worthiness, but based on that interaction with that customer service personnel who is no longer working for them, and that call was not recorded either... but they want me to pay all the cost and are baring from getting a line of credit. It has been more than a year now since I am trying to get a line of credit and they blacklisted me in their system. They will not run my social and run my credit but will tell me that they have the right to refuse me credit based on internal policies that they can not produce. I need help to make them respect my right to get fair and due process and equal treatment in the evaluation of my file for a line of credit. I am pretty sure if they are doing this to me and my wife ( which they blacklisted as well, along side our small business ) who are pretty vocal about it. They are doing to many more people unfairly. 
My last call today, was with a manager who was telling me it was legal for them to bare me from getting a line of credit without evaluation my file... We need to stop this practice at American Express and make sure they follow the law when it comes to those application. 
Some supervisors in the past, claim it s not their fault, it is the computer algorithm fault. Then, it must be investigated to make sure, the computer algorithm that they are using stop discriminate people from getting line of credit based on subjective reasons and process application based on facts. This is a dire situations that is going in their company. It took me a whole year to come with this conclusion and this whole XXXX so far calling them every week to fix those mistakes and express my concerns, but I believe there is a team which is targeting me and my family who are hiding them from corporate and leadership because it is is insane for them to continue with those illegal practices based on their emotions .... just yesterday, while talking to a supervisor on the phone TO RESET MY ACCOUNT, to see my old loan agreement with Kabbage which was not with American express blueline. I was able to get a line of credit and request those XXXX .. since I was temporary not blacklisted in their system. This was amazing proof.. Once they realize that, they were quick to tell me, it was an error, I am not supposed to qualify for a line of credit. Those are unfair practices that need to be investigated. They give line of credit based on their personal reasons and emotions and discriminate against people such as me, as they see fit without checking their credit worthiness or file.