Consumer complaint received 2023-11-17 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: VA

Complaint narrative:
RE : XXXX XXXX XXXX/ XX/XX/XXXX / XXXX. i, the consumer, XXXX XXXX XXXX, applied for an American Express credit card on XX/XX/XXXX, and was denied, As evidenced on my consumer credit report. This is the second complaint due to American Express failing to send an adverse action letter for the initial denial as well as American Express failing to respond to the first CFPB complaint besides the generic response given to CFPB. I made a deposit into American Express account receivable by way of an application. I applied my private interest to your blank application and i never received the guaranteed credits. 12 USC 412 states the application must return the cash. I behest cash in the form of credit access. Credit is a right granted. The application is where I granted it. Denying access to my consumer credit is not only discrimination, but also appears to be a securities scheme and artifice, false advertising, false and deceptive trade practices, sabotage, a mockery of honest services, and several ethics violations. American Express is registered with the Secretary of State and, thus is subject to adhering to Corporate Governance Laws and Regulations, Federal Rules and Civil Procedures, the U.S. Securities and Exchange Commission, the Federal Trade Commission, the Financial Crimes Enforcement Network, the Federal Bureau of Investigation, the Internal Revenue Service, all applicable United States Codes and Statues at Large of the United States Corporation 28 USC 3002 ( 15 ). 

This is the second complaint filed against American Express regarding their apparent and blatant securities fraud, identity theft, and several ethics violations. 

American Express also appears to violate the Equal Credit Opportunity Act, the Consumer Credit Protection Act, as well as : 15 U.S. Code 1681 ( b ) Reasonable Procedures ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) and 18 U.S. Code 1951 - The Hobbs Act ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) Since American Express has expressly denied me my creditworthiness due to its own elusive definition and explanation of who the original issuer of all source value credit is, as well as no institution being able to lend or extend credit per 12 USC 1431 and Volume 77 of the 73rd Congressional Session, specifically pages 58, 59, 60, 73, and 758, i behest American Express to retract, return, and refund my over-the-counter security created by my application of credit, according to Federal Rules and Civil Procedures 1002, to ensure American Express is remaining in honor and not collecting unauthorized dividends on fraudulent security that American Express deemed not credit worthy. This also appears to be a tortious interference with contractual relations, violating 18 U.S. Code 1951 - Interference with commerce by threats or violence ( June 25, 1948, ch. 645, 62 Stat. 793 ; Pub. L. 103322, title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 2147. ) as well as a breach of contract. American Express made an offer, making them the debtor, i, the consumer accepted the offer, making me the creditor, and returned it with consideration and value ( my personal private property ) allowing American Express to benefit while i have yet to receive any performance of their offer due to a denial.

Company response to consumer: Closed with explanation