Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I have been denied credit multiple times for no apparent reason my credit score is above XXXX no lates, no inquires, no collections the customer service is terrible they purposely deny your application once they figure out your race on the phone or just your name Im the living person and I want to extend credit to my self I even got prequalify for the most the stuff I apply so they are misleading and abusing the system. I XXXX XXXX will like to EXTEND UNLIMITED credit to XXXX XXXX. 

1611 TITLE 15COMMERCE AND TRADE Page 1470 Pub. L. 111203, title X, 1100A ( 1 ) ( A ), July 21, 2010, 124 Stat. 2107.

AMENDMENTS 2010Subsec. ( a ). Pub. L. 111203 substituted Bu- reau for Board wherever appearing.

1994Subsec. ( a ) ( 2 ). Pub. L. 103325, 152 ( e ) ( 2 ) ( B ), which directed the amendment of par. ( 2 ) by inserting, and such State-required disclosure may not be made in lieu of the disclosures applicable to certain mort- gages under section 1639 of this title before period, was executed by making the insertion before period at end of par. ( 2 ), to reflect the probable intent of Con- gress .

Subsec. ( b ). Pub. L. 103325, 152 ( e ) ( 2 ) ( C ), substituted Except as provided in section 1639 of this title, this subchapter for This subchapter and inserted at end The provisions of section 1639 of this title do not annul, alter, or affect the applicability of the laws of any State or exempt any person subject to the provi- sions of section 1639 of this title from complying with the laws of any State, with respect to the requirements for mortgages referred to in section 1602 ( aa ) of this title, except to the extent that those State laws are in- consistent with any provisions of section 1639 of this title, and then only to the extent of the inconsistency.

1988Subsec. ( a ) ( 1 ). Pub. L. 100583, 4 ( 1 ), substituted Except as provided in subsection ( e ), this part for This part.

Subsec. ( e ). Pub. L. 100583, 4 ( 2 ), added subsec. ( e ).

1980Subsec. ( a ). Pub. L. 96221 designated existing provisions as par. ( 1 ), substituted provisions respecting the effect of this part and parts B and C of this sub- chapter, and procedures applicable for determination, for provisions respecting the effect of this subchapter, and added par. ( 2 ).

1974Subsec. ( d ). Pub. L. 93495 inserted reference to section 1666e of this title. 
Statutory Notes and Related Subsidiaries EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 111203 effective on the des- ignated transfer date, see section 1100H of Pub. L. 111203, set out as a note under section 552a of Title 5, Government Organization and Employees. 
EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 96221 effective on expiration of two years and six months after XXXX. XXXX, XXXX, with all regulations, forms, and clauses required to be pre- scribed to be promulgated at least one year prior to such effective date, and allowing any creditor to com- ply with any amendments, in accordance with the regu- lations, forms, and clauses prescribed by the Board prior to such effective date, see section 625 of Pub. L. 96221, set out as a note under section 1602 of this title. 
EFFECTIVE DATE OF XXXX AMENDMENT For effective date of amendment by Pub. L. 93495, see section 308 of Pub. L. 93495, set out as an Effective Date note under section 1666 of this title.

1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is re- quired to disclose under the provisions of this subchapter or any regulation issued there- under, ( 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 an- nual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or

Company response to consumer: Closed with explanation