Consumer complaint received 2024-11-22 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: MD

Complaint narrative:
This is a follow-up complaint regarding my unresolved issues with American Express National Bank ( American Express ) . My original complaint ( No. XXXX ) was closed, but the company failed to address or resolve my concerns. I am resubmitting this complaint because American Express continues to violate my rights under the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ). 

Background : On XX/XX/2024, I applied for the American Express Platinum Card, and my application was denied based on a XXXX score obtained from XXXX. I informed American Express that the information in my consumer report was false and unverifiable. Despite this, the company : Relied on False Data Without Verification ( 15 USC 1681 ) : American Express based their denial on inaccurate consumer report data and did not provide the legally required verification method under the FCRA. 

Dismissed My Request for Compensation Without Justification : My original complaint included an invoice for {$49000.00} in damages caused by their actions. American Express refused to address it, failing to acknowledge their responsibility for the harm caused by their non-compliance.

Intimidated Me Through Repeated Denials ( 15 USC 1692 ) : American Express d
enied my application three times, most recently on XXXX XXXX XXXX, without addressing the core issues or taking corrective action. This repeated denial, based on the same false data, constitutes harassment and intimidation under the Fair Debt Collection Practices Act.

Shifted Responsibility to the Credit Reporting Agency : Instead of verifying the accuracy of the data they used, American Express directed me to dispute the inaccuracies with XXXX, violating their obligations under the FCRA. 

The Companys Misleading Claims : In their response, American Express repeated their claim : We are committed to making sure all creditworthy customers have equal access to credit. However, denying me credit based on false and unverified data contradicts this statement. Their failure to correct their decision or take responsibility directly undermines their supposed commitment to fairness and compliance. 

Relief Requested : Immediate Reversal of the Credit Denial : American Express must reverse their decision based on false and unverified data.

Disclosure of Verification Methods : The company must provide the method used to verify the consumer report information and justify their reliance on inaccurate data.

Compensation for Damages : I request payment of the {$49000.00} invoiced for damages caused by their actions and continued non-compliance.

Full Investigation into American Expresss Practices : Given their ongoing violations, I urge the CFPB to investigate American Express for their failure to comply with FCRA, ECOA, TILA, and UCC.

Conclusion : American Expresss repeated denials, reliance on false data, and refusal to take accountability directly conflict with their claim of fairness and equal access to credit. Their actions demonstrate a continued disregard for consumer protection laws. I request the CFPBs assistance in holding American Express accountable and ensuring that my rights are upheld.

Thank you for your time and attention to this matter. 

Respectfully Submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation