Amex Credit Card Complaint

Amex Credit card department,

Closing/Cancelling account Indiana

American Express recently completed a review of my finances. My credit cards with that bank have been canceled due to what they have said : according to the income that the bank has assessed based on records on file, my income does not support the spending on the accounts. I am - and have substantial benefits for myself and all family members. I am the payee for my daughter. My wife 's benefits are listed in our joint tax filings. The bank has assessed our income based solely on line -, total [ taxable ] income, of our 2014 tax filing. Our - benefits, however, are not taxable and so do not figure into line - of our tax filing. The bank has assessed our income at less than 5 % of what should be computed in a standard lending procedure. We had only just completed a different financial review to successfully refinance our automobile, justifying our claims that the income we report to lenders is correct. Am I correct in my view that the lending practice of American Express is a violation of the -? Is this also a violation of ECOA ( discriminating based on source of income, i.e. some sources of income shall not be considered -? I have tried educating the financial review team of said bank ; they will not budge. I have spoken to - of the American Express financial review team in -. - did most of the work on my financial review by my understanding. I also appealed to - supervisor, - -. Both - and - did read aloud the portion of social security income listed on our tax filings ( my daughter 's income not shown there -. Neither - nor - would reassess our income. According to conversations with the - ladies, they are under instruction to only assess income as what is shown on - filing line - - total taxable income ) or line - - adjusted gross income ) whichever is higher.