Consumer complaint received 2024-12-27 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: CO

Complaint narrative:
RE : Affidavit Of Truth Example of a 15 USC 6802 dispute letter opening : " Dear Consumer, Financial Protection I am writing to formally notify you that I believe America Express Inc. have violated my privacy rights under 15 U.S. Code 6802 by disclosing my nonpublic personal information to a nonaffiliated third party without my prior consent. '' This Rescission notice is made pursuant to 15 U.S.C. Code 1635 ( a ), as I was never told i had 3 days to rescind thew agreement. I was never given the notice that comes with all consumer credit transaction. Furthermore, The agent office address for .Government agency : serve XXXX XXXX XXXX XXXX 

For locations, visit XXXX XXXX XXXX XXXX or mail your legal order to : American Express Subpoena Response XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX never give me the options to opt out of overdraft contract, Also they violated my consumer credit rights on credit applications, " 15 USC 6802 dispute letter '' is a letter sent by a consumer to a financial institution, claiming that the institution has violated their privacy rights by disclosing their nonpublic personal information to a third party without proper notice or consent, as outlined under 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ) which governs consumer financial privacy laws ; essentially, the consumer is disputing the unauthorized sharing of their personal financial information. 
Key points about a 15 USC 6802 dispute, 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Unauthorized use of personal information is illegal. It is defined as the unlawful and unauthorized acquisition of personal information that compromises the security, confidentiality, or integrity of personal information5. The following are examples of unauthorized use of personal information : Using someone elses personal identifying information for any unlawful purpose, including to obtain, or attempt to obtain, credit, goods, services, real property, or medical information without the consent of that person..

Possessing, using, or attempting to use personal identification information concerning a person without first obtaining that persons consent, and who does so for the purpose of harassing that person. 

Purpose : To notify the financial institution that the consumer believes their privacy rights have been violated by sharing their nonpublic personal information without proper authorization. 
What it should include : consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments. 


( 3 ) .15 USC 6802 is a subsection that allows financial institutions to provide nonpublic personal information to nonaffiliated third parties for services or functions on behalf of the institution, including marketing, as long as the institution fully discloses the information and maintains confidentiality through contractual agreements1. The section also outlines notice requirements and opt-out provisions,. 
Consumer 's XXXX XXXX i believe in the following Rights were violated, ( 4 ) 1681c-2 15 USC 1681c-2 is a section of the Fair Credit Reporting Act that requires consumer reporting agencies to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of such information by the consumer, and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Details about the specific disclosure of information that the consumer believes is a violation,15 USC 78m ( q ) ( 1 ) ( C ) is a section of the United States Code that defines the term " payment '' 1. The term " payment '' means a payment that is made to further the commercial development of oil, natural gas, or minerals, and is not de minimis. It includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits that the Commission determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals and belongs to United States of America. also 1611. Criminal liability for willful and knowing violation Section Text Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Source Credit ( Pub. L. 90321, title I, 112, May 29, 1968, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), July 21, 2010, 124 Stat. 2107. ) Notice that pursuant to 15 U.S. code 1635 ( b ) : upon receipt of this recission, i am not liable for any finance chargers of other charge, and security intertest become void effective immediately. I would like all and any funds XXXX XXXX  XXXX  took from XXXX XXXX XXXX. also, note The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) denied letter : American Express XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Ref : XXXX? 

Dear XXXX XXXX XXXX,? 

Thank you for applying for XXXX XXXX?. We are writing to let you know that, unfortunately, we can not approve your application at this time. 

? 

Reason ( s ) for Our Decision? 

? 

Your XXXX? score ( see below )? 

Information About Your XXXX? Score We obtained your XXXX  score from XXXX and used it in making our credit decision. Your XXXX  score is a number that reflects the information in your credit report. Your XXXX  score can change, depending on how the information in your credit report changes. On XX/XX/XXXX, your XXXX score was XXXX. The XXXX score ranges from XXXX to XXXX. The following are the key factors that contributed to your XXXX  score :? 

You have a serious delinquency on one or more of your accounts. 

The time since your latest reported delinquency is too recent or unknown. 

There are too few accounts currently paid as agreed. 

There is no recent information about credit card accounts on your report. 

There are too many credit inquiries on your report in the last 12 months. 

? 

XXXX is a registered trademark of XXXX XXXX XXXX in the United States and in other countries. 

? 

We realize this may not have been the outcome you hoped for. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. We invite you to apply again at a time when your circumstances have changed. 

? 

If you have any questions, please call us at XXXX or write to us at the address above. You can also learn more about managing your credit at americanexpress.com/us/content/financial-education. 

? 

Thank you for your interest in American Express. 

? 

Sincerely,? 

American Express Customer Care We've provided an important notice below concerning your rights. The creditor is American Express National Bank. 

? 

Your Right to Get Your Credit Report Our decision was based in whole or in part on information obtained in a report from each consumer reporting agency in this letter. Please know that the consumer reporting agency played no part in our decision and can not supply you with the specific reasons for our decision. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting them directly. You also have a right to a free copy of your report from the consumer reporting agency if you request it within 60 days after you receive this notice. If you find that any information contained in the consumer report you receive is inaccurate or incomplete, you have the right to dispute the matter directly with the reporting agency. 

? 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Notice to U.S. Residents. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning American Express National Bank is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX, XXXX ( the " Bureau '' ). The federal agencies that administer compliance with this law concerning American Express Travel Related Services Company , Inc. are the Bureau ( address above ) and the Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation