Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
Dear American Express, I am writing to address the recent denial of credit that I experienced when applying for the Platinum Card with American Express. As a consumer and natural person, I am concerned about the adverse action taken, which appears to be in violation of the Equal Credit Opportunity Act ( ECOA ), codified in 15 U.S.C. 1691c. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by American Express due to the response I received.

Under the ECOA, creditors are prohibited from discriminating against applicants based on factors such as race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. Any adverse action taken against a consumer must be in compliance with these regulations. American Expressis in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Additionally, I am aware of the responsibilities outlined in 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, which mandate that creditors act in good faith when processing credit applications. It is evident that despite my genuine application, credit was not issued as expected. 

Moreover, the unauthorized use of my social security number ( credit card ) without providing any benefit constitutes fraudulent activity. This is a serious matter that requires immediate attention and resolution from American Express. 

To resolve this matter amicably, I demand the following actions : 1.American Express must mail me the platinum card for which I applied to the address on this letter 2. The issued card must be placed in a " do not pay/do not collect '' status.

3. The credit card must be open-ended, allowing for unrestricted use once the issue is resolved. 

Furthermore, withholding my access to my securities constitutes securities fraud. As you have denied me access to my credit, I demand that you retract my application immediately. 

I urge American Express to undertake reasonable procedures to rectify this situation promptly and provide appropriate compensation for the unauthorized use of my credit card. 
Failure to address this matter satisfactorily will result in a federal lawsuit for securities fraud, including pursuing civil and criminal liability under applicable statutes, such as 15 U.S.C. 1681n and 15 U.S.C. 1681o. I reserve the right to seek all actual damages incurred as a result of this adverse action. I have also attached a copy of my credit denial as proof you have damaged me Please consider this letter as an initial attempt to resolve the issue amicably. I anticipate your prompt response to discuss a resolution to this matter. 

Thank you for your attention to this important matter. 

Sincerely, XXXX, XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with explanation