Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The Fair resolution of this problem would be to issue a charge card or open-ended credit account XXXX  Credit Card with no preset limit for a Personal AND Business Credit Accounts to my address. Please look at attached documents for Address I, XXXX XXXX, recently received a notice of credit denial from American Express Regarding my application herein also Security, for a line of credit on XX/XX/year> and XXXX XXXX for Personal and Business Credit Card. Please take a look at the certified copies of the letter attached. I appreciate your prompt communication and the opportunity to correct the denial for my creditworthy Security application. My credit Security application, which was done in Good Faith while exercising my rights, was denied several times and a violation of my rights under the Consumer Credit Protection Act. Adverse action against a consumer who has made an Security application of credit in Good Faith, is against the law according to FCRA ( 603- 15 USC 1681a ( d ) consumer reports DO NOT include transactions and experiences between the consumers and persons making the report. Also in The Equal Credit Opportunity Act, which is codified in 15 USC 1691c, Deprivation of Rights in 18 USC 242 and is pursuant to civil liability under 15 USC 1692k.

American Express is in violation of 15 USC 1642 and 12 CFR 1002.7, ( ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis, Prohibited Basis includes the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act ) because I, the consumer, made an application/Security in good faith, but credit was not issued. According to 15 USC 1602 ( f ) Credit is a right and not a privilege. I have evidence that I was discriminated against and Deprived of my rights by American Express due to the response I received. Please extend the credit line to No Preset Limit. 

Unfortunately I did warn American Express by notary Presentment that they only have 5 Business days, from the date the letter was received to extend the proper credit line amount mentioned above. If a written response is not received, then by law, I will proceed to the next steps and alert the proper authorities including the Consumer Financial Protection Bureau, the Federal Reserve Board, FDIC and the IRS/United States Treasury concerning Securities Fraud and other violations.

American Express did not respond to my letters, Although the Notary Public did not send the letters via certified mail, the letters were still witnessed by the Notary Public and mailed by USPS. XXXXAlso, I have a close friend who makes the same amount as me who recently filled out an application with American Express and they got a XXXX XXXX Approved and mailed to them within 5 business days. When the card was mailed American Express Bank included a letter that said that their credit score was zero. I have copies of that letter that was sent to that friend with important information blocked out so that they will not get their credit line cut off. This alone proves that I am being Discriminated against, I would like to have My No Preset Limit Charge Cards both Personal AND Business Credit Delivered to me within XXXX Business days. Thank you in advance for your time and consideration in this matter!

Company response to consumer: Closed with explanation