Consumer complaint received 2024-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
" When we closed your account per your request, we followed all applicable procedures. Regretfully, these did not include a disclosure about the possibility of opening future accounts. " They are still refusing me credit, and want me to be accountable for their own employee, not disclosing to me at the time of my request to close or pause my credit line, that any closure will result in blacklist of any future account? I wonder how this legal and not injustice to myself and my business... This is ironic and disrespectful. At least, for once, they are admitting that their employee did disclose to me that I will not be eligible to open any future account. How come this is my fault, and not their fault.??? I am pretty sure, that they are doing this to more people. 


" When we perform an evaluation of an application for credit, we consider many economic factors as well as individual account information. Unfortunately, this means that not all applications are approved to manage our risk. " I have been a customer of American Express since XXXX ... Tell me, when I never paid my credit and if I ever abused of the credit card line extended to myself or my business.. I am actually under using them and my credit score and my agency credit score are above average... Which risk are you guys monitoring, other than personal vendetta for asking to speak to a supervisor to get my right respected ....

I want this situation to be investigated by a 3rd party and to have this company respect my right to a fair credit application process without personal and emotional discrimination against me or my family. I want them to review my business file for a credit line increase consideration based on my company data. I want my original credit line reopened to me ... as it was not closed properly. The person that handle my account did not follow all the disclosure while closing my account. I was not informed, if I closed or paused the account. I could never reapply for any future accounts. I will share this response with my lawyer where for once, it is not verbal, but written admission, that the company did not disclose to me at the time, of my request to close or pause my {$2000.00} credit line... that I could not be eligible for any future account, " while the same company gave me a XXXX credit card at higher rates .... using the same business data and information ", since 2 supervisors already confirmed that the call was not recorded ... but they trust their employee should have done a better job... 

This is not my fault and I am not responsible for the incomplete information. My decision to continue with the pause or closure of my then, credit line, was based on false information. I formally request that my credit line get restored my business and I am also asking for a credit reconsideration since the {$2000.00} approval did not follow proper procedures ... .. some business that was worth a fraction of my business were approved for more than XXXX at that time, while I only got {$2000.00} and this was the original complaint that led to my incomplete account closure I want the law to be respected and I want my application to be given fair and due process. Please and Thank you.

Company response to consumer: Closed with explanation