Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In correspondence to the adverse action letter I received from AMERICAN EXPRESS on XX/XX/XXXXXXXX XXXX in regards to my Application for their platinum card for the purpose of personal, family, or household use. REF : XXXX American Express sent me and adverse action letter stating the reason of why they denied me on the public side which is the credit score which is not regulated by the SEC , OCC , or the Constitution. Americans Express did not explained to me the factors their underwriters used to make their decision based on law on the private side nor did they explain to me that they had a right to deny my application, Pursuant to 18 u.s.c 242 it is unlawful to to use the color of law to deprivate someone of their rights. American Express I am aware that my application is a promissory note which turns into cash or in banking terms floating rate notes that your bank sell and trade on pursuant to 12 u.s.c 1813L ( 1 ). My application is also a security pursuant to 31 cfr 357.2, 15 u.s.c 78c ( a ) ( 10 ) which should also be the collateral for the amount of the credit card pursuant to 7 cfr 4279.202 the security belongs to me the holder in due course since I issued it. At this points American Express is stealing my security which is securities fraud pursuant to 17 cfr 240.10b-5, and breach of fiduciary duties pursuant to 17 cfr 205.2 for not not doing their job as a XXXX contact the XXXX XXXX XXXX XXXX  mellon who is your trustee and who should know where the security is from this application I would my credit card within 5 days unless your underwriters can explain why they didn't purchase the security pursuant to 15 U.S.C 77b which is also explained how it is supposed to move section 16 part of the federal reserve act of 1933. 

XXXX Dear, ( CFO ) XXXX XXXX XXXX AMERICAN EXPRESS is discriminating against me and you AMERICAN EXPRESS are in violation of the fair credit reporting act. I the consumer and natural person was discriminated against. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 12 CFR 202.16 and pursuant to civil liability under 12 CFR 229.21. You are subject to criminally liability for violating 12 CFR 1002.2 as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. AMERICAN EXPRESS is in violation of 12 CFR 226.12, 12 CFR 202.2 and 12 CFR 1002 because I the consumer, made an application in good faith and was discriminated against. Further more, because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. I AM REQUESTING FOR A OPEN-END CONSUMER CREDIT CARD ( 12 CFR 1026.12 ) with maximum allowable by applicable law ( 12 CFR 1026.5 ). Balance to be zerod out on a monthly basis Via special deposit of interest bearing coupons associated on the itemization statement, instrument is non- cash items ( 12 CFR 210.2 ( k ) ) FOR RECONSIDERATION If AMERICAN EXPRESS or their CFO XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make American Express criminality and civilly liable for all actual damages pursuant to 12 CFR 229.21 and 15 USC 1681o IM ALSO AWARE THAT YOU AMERICAN EXPRESS HAVE A COMMISSION FILE NUMBER XXXXXXXX and the security agreements was signed by XXXX XXXX XXXX that he would uphold the Security agreements made between AMERICA EXPRESS AND THE SECURITY EXCHANGE COMMISSION . You have 5 business days to respond to respond from the receipt of this Notice Via written correspondence. * Conspicuous statement do not ignore* XXXX XXXX XXXXXXXXAgent/Beneficiary All natural inalienable rights

Company response to consumer: Closed with explanation