Review and analysis of over 157 complaints against Amex
Amex consumers have reported over 157 official complaints related to Credit determination. Out of the 157 consumer complaints against Amex, 37% were disputed by the consumer (i.e. the consumer was not happy with how Amex responded to their complaint) and 100% were processed in a timely manner. 2% of consumer complaints against Amex resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 6% resulted in non-monetary compensation.
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Amex Credit card credit determination December 28, 2016 - I have a - Credit score and a stable income of $500000.00 and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other - credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.... |
Amex Credit card credit determination December 18, 2016 - I am not allowed to apply for credit cards with American Express. In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from - jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary in... |
Amex Credit card credit determination December 8, 2016 - American Express denied my credit application based on previous cancelled accounts that were cancelled due to a prior bankruptcy in 2000. Bankruptcy is allowed under the Consumer Credit Protection Act and American Express is being discriminatory by denying my application under the Equal Credit Opportunity Act based on my exercise of the Bankruptcy right in 2000.... |
Amex Credit card credit determination November 29, 2016 - I have held various American Express credit cards for well over 20 years. Part of that included a Gold card, a Platinum card, and now an Optima card. I always pay my bill on time and always pay more than the required amount. Twice, at least, I have applied for a credit line increase from - to - dollars and I get declined. It 's always for a different reason, but I 'm frustrated at trying to improve my credit report and American Express account - but nothing seems to help. Although I do n't have the financial standing I once did, I still deserve some courtesy and recognition that my accou... |
Amex Credit card credit determination November 18, 2016 - On -/-/2016 American Express placed an inquiry on both my - and - credit report which I did not authorize. The American Express Website contains a page ( https : - ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in - ( - ). She told me there was nothing tha... |
Amex Credit card credit determination November 18, 2016 - I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. The drop in my - score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting a... |
Amex Credit card credit determination July 28, 2016 - on around - - 2016 I had applied for an American express credit card that was sponsored on my - webpage. - gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that - said my credit score was -, I then paid a fee to retrieve my credit score from eqaufax the report said - and I also paid for - score which was - so someone at American express lied about my credit score being just - and unfairly denied me there credit card. I want CFPB to try and get me that card and rep... |
Amex Credit card credit determination July 8, 2016 - Last week my wife, -, submitted a complaint and that case number is -. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with - for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. By submitting this... |
Amex Credit card credit determination July 2, 2016 - I recently sent an initial complaint on yesterday which related to calls transpiring on - - relating to discrimination and retaliation. As of - -, I was also retaliated against by - - within - - - - -. after leaving a voice mail on her - - Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, - -, which I addressed and emphasized with her via - recorded system on - - as " discrimination tactics against - minorities ''. In turn, ... |
Amex Credit card credit determination July 2, 2016 - AME- phoned me and invited me to apply for a gold AME- card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AME- says I was denied because my old AME- card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over - credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AME- forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AME- debt was never pursued and was ... |
Amex Credit card credit determination July 1, 2016 - We recently experience credit card discrimination from - -. As a consumer, my daughter applied for an - - - card and was approved and granted me the right to be an authorized users and manager of her account. The credit card application specifically states : Include all income available to you. If under age -, include only your own income. Income includes wages, retirement income, investments, rental properties, etc. My daughter is - and recently completed her - - in - - from - University and this was also duly noted on the application that she was a student... |
Amex Credit card credit determination June 30, 2016 - We recently experience credit card discrimination from - -. As a consumer, my daughter applied for an - - - card and was approved and granted me the right to be an authorized users and manager of her account. The credit card application specifically states : Include all income available to you. If under age -, include only your own income. Income includes wages, retirement income, investments, rental properties, etc. My daughter is - and recently completed her - - in - - from - University and this was also duly noted on the application that she was a student... |
Amex Credit card credit determination May 10, 2016 - I had an American Express card since -/-/- (? ) and had NEVER missed a payment. in fact, often I would pay 3-4 times the requested payment. Even when - I NEVER missed a creditors payment. And I am NOT on auto-pay, so I take my credit worthiness very seriously. In - - I was notified by American Express that they were raising my credit limit due to quality of handling of my account. I did NOT ask for a credit increase. Then 2 days later I get a letter telling me my interest rate is going to jump from - to - because my credit card balance is too high?? I called to challenge ... |
Amex Credit card credit determination March 2, 2016 - I checked my credit score on - and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on - - I made my last payment.. I had a balance of almost $5000.00 in - -, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of $380.00 a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automati... |
Amex Credit card credit determination February 17, 2016 - Regarding Application : AME- EVERYDAY CREDIT CARD made on -/-/- REF/SSN : - To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of - as of today with - % low credit usage, total credit line ( $4900.00 ) no missed payments and no negative history ( - report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is s... |
Amex Credit card credit determination February 11, 2016 - I applied for an America Express Card but have been constantly denied credit. I filed bankruptcy ( Chapter - & - - I believe ) about 20 years ago, Amex was - of the cards included in that bankruptcy. Back in those days, I was financially devastated. I have rebuild my life and my credit again, with - score hovering above - points. I believe American Express is holding my bankruptcy filing against me in denying me credit. ... |
Amex Credit card credit determination January 4, 2016 - I have had an account in good standing with American Express since -/-/-. There are significant monthly charges and payments often in excess of $ -/year on this account without incident. -/-/- I was informed that a 'credit review ' was requested despite re-assurance that the account was in good standing. This contact was made on a weekend morning before - - on my personal cellphone ( this account has been handled by my office through an authorized representative that works for me for more than 5 years ) and requested an IRS 'transcript '. I attempted to comply with the inst... |
Amex Credit card credit determination December 17, 2015 - American Express has not complied with the law. The Fair Credit Reporting Act ( FCRA ) allows you to get a free credit report if your application is denied. However, you can only get a free report from the credit reporting company that provided the report used by your lender to make its decision. The lender must provide instructions on how to request your report from - or from - of the other national credit reporting companies, depending on which company provided the report. In - letter American express stated its denial was based on a FICO score from -, but it did not provide inst... |
Amex Credit card credit determination November 2, 2015 - The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in -, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. American Express sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to American Express ' credit reporting division who stated I needed to talk wi... |
Amex Credit card credit determination October 19, 2015 - I applied for a Amex Plum Card and was denied. This was based upon my being an " Authorized User with various companies that did not meet their financial obligations with Amex. - dated -/-/-, ( 17 years old ), - dated -/-/-, and - dated -/-/-. My credit was never checked by Amex. I was never the primary account holder for any of these accounts. The date of the letter was -/-/-. I received the detailed explanation by calling the - number in the letter. It should n't be legal for a credit granting company to use a primary card holder or company 's information th... |
Amex Credit card credit determination September 28, 2015 - Pulled credit report without permission. ... |
Amex Credit card credit determination September 10, 2015 - This complaint is being filed for the following reason : I owned a company named - - - - from -/-/- until -/-/-. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business ... |
Amex Credit card credit determination July 14, 2015 - My wife 's American Express statement showed she owed $4700.00 in charges for the month of -. The balance was to be paid in full by - -, 2015. Only - -, 2015, I posted the full payment against my - account on the American Express website, and American Express posted my payment to its account on - -, 2015. On the same date, - -, American Express sent a letter to my wife stating it was reporting a late payment to the credit bureau, and notified the credit bureau that there was an outstanding balance of $4700.00 due American Express. - picked up the informatio... |
Amex Credit card credit determination July 1, 2015 - I have asked American Express Credit Card for a authorized user card for my wife on 3 occasions. My credit is perfect and I am in good standing everywhere yet they refuse to right to allow my wife to be an authorized user and refuse to tell me why. My wife has not made any request to the company for credit, I did. So why ca n't you give her the right to use my credit if I authorize it, most every other financial institution does. I have total financial responsibility for my account and they ca n't tell me why my wife can not have a card when we both have -, -, -, and any other account... |
Amex Credit card credit determination June 21, 2015 - American Express sends me emails and offer letters offering a - - credit card. They do this several times a year. I decided to apply. I have a credit score of - - depending on which agency is reporting. I made over - a year, own a home, have rental properties and a solid job of 10 years. They denied me instantly and when I called to find out what happened - the emailed me a rejection letter ) I was routed to a call center in -. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But whe... |
Amex Credit card credit determination June 20, 2015 - On -/-/- I applied for an Amex - Credit Card '' through the American Express website. American Express 's automated system then pulled my - credit report and automatically declined me due to a low credit score. '' I have been trying to get a live human '' credit analyst to review this application with me, as I was unaware Amex would be pulling solely '' from - which has a score of - - My - is - and my - is - -, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did ... |
Amex Credit card credit determination June 6, 2015 - I applied for a business credit card through Amex. They sent me a pre-approved '' mailing pack and they gave me - to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would take care of me on that one ''. So I did-like an -. I applied for an increase on my personal - card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new -. And the csr lied to me. S... |
Amex Credit card credit determination June 4, 2015 - I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. I just have been informed that they have put not -, but even - hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an -, and - only - months ago, so I am trying to build up my credit, not break it down ... ... |
Amex Credit card credit determination May 5, 2015 - I applied for the American Express Card - - 2015 and was promptly Denied the same day. I received there written response on - - 2015, and promptly called the American Express call center to ask them why i was denied there response was i had a verity of negative factors? including a ( - ) fico Score. i believe that this is the result of the color of my skin, being Black and ( RED LINING BY ZIP CODE ) It ca n't be because of my credit rating i have qualified for Credit Cards at - and - - Bank - and - - Bank - 's, look i would be quiet and not make a case if th... |
Amex Credit card credit determination April 14, 2015 - AME- reported me to the credit agency because my credit card was - $100.00 over the $10000.00 credit limit. I have been am AME- customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AME-, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied... |
Amex Credit card credit determination March 27, 2015 - On -/-/- I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated -/-/- that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in -/-/- and since that time I have paid all of my credit obligations on time and have a FICO credit score of -. I responded with a letter dated -/-/- in which I reques... |