Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding XXXX XXXX  and Discriminatory Practices Dear American Express Customer Relations , I am writing to file a formal complaint against American Express regarding an incident where I believe I was subjected to XXXX XXXX  and discriminatory treatment. I am highly disappointed and deeply offended by the way I was treated by your company. 

On [ XXXX while attempting to apply for an account, resolve an issue, dispute a, I was treated unfairly, disrespected, and subjected to unnecessary scrutiny that was clearly biased and racially motivated. Despite providing all requested documents and verifying my identity, I was denied fair treatment without legitimate reasoning. 

I strongly believe that had I not been an XXXX XXXX  individual, my experience with American Express would have been drastically different. It is unacceptable for any financial institution, especially one with your reputation, to engage in practices that discriminate based on race, ethnicity, or background.

This experience has caused me emotional distress, embarrassment, and a serious loss of trust in your company. Discriminatory practices violate not only ethical standards but also federal laws, including the Civil Rights Act of 1964, the Equal Credit Opportunity Act ( ECOA ), and other anti-discrimination laws that protect consumers from this kind of unfair treatment.

I am demanding a full investigation into this matter, a written explanation regarding the actions taken against me, and corrective action to ensure no other customer is subjected to this type of XXXX discrimination. 

If this issue is not promptly and fairly addressed, I am prepared to escalate this matter by filing complaints with the the Equal Employment Opportunity Commission ( EEOC ), and seek legal advice regarding my rights.

I am writing to formally file a complaint against American Express for engaging in discriminatory practices and XXXX XXXX. As an XXXX XXXX  customer, I believe I was unfairly targeted, treated with bias, and denied fair and equal service based on my race. 

Recently, I applied for an account/product with American Express and provided all necessary information and documentation. Despite meeting the qualifications, my application was delayed, excessively questioned, and ultimately denied without a reasonable explanation. Additionally, when I reached out for clarification, I was met with unprofessional behavior, suspicion, and dismissive responses that made me feel degraded and singled out because of my race.

This type of treatment is unacceptable and violates my civil rights. Under the Equal Credit Opportunity Act ( ECOA ) and other anti-discrimination laws, no customer should be judged or denied services based on race, color, or national origin.

I demand a full investigation into this matter, a written explanation of the actions taken against my account, and steps American Express plans to take to prevent XXXX XXXX  in the future. 

I expect a timely and professional response to this complaint. 

Sincerely, XXXX XXXX contact XXXX

Company response to consumer: Closed with explanation