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Amex denial Blacklisted because of parents relationship with bank?

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Established Contributor

Amex denial Blacklisted because of parents relationship with bank?

Hello all,

 

I applied for the Blue Cash Everyday the boring would fit my spend card.

 

Anyway, they denied me and an inquiry never showed up, so I thought maybe they were trying to pull Experian which I had locked with Experian's credit lock.

 

Well, I received the letter today saying they cannot approve my application at this time because American Express canceled my previous account(s). 

 

This reasoning came as a shock to me since I haven't ever had an Amex issued by Centurion bank. I have my Elan CC that runs on the Amex network but is backed by Elan. and I have the prepaid Bluebird checking account (I keep some money in there for online shopping).

 

The only thing I can think of is that my parents may have had an Amex and burned them? I use my parents address so if they blacklist customers based on address' that makes sense. Otherwise, they could have blacklisted me because of my name? Same name as my father. Still, I have a different SSN and dad has been dead for going on 8 years. 

AAOA 15 months Fico 08's 714 717 678 11% Utilization
Message 1 of 12
11 REPLIES 11
Senior Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

Call them up and do a recon. If necessry, pull your credit reports and check for errors




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2019 CCT EX 815 TU 824 EQ 825
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 2 of 12
Established Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?


@depdep8 wrote:

Hello all,

 

I applied for the Blue Cash Everyday the boring would fit my spend card.

 

Anyway, they denied me and an inquiry never showed up, so I thought maybe they were trying to pull Experian which I had locked with Experian's credit lock.

 

Well, I received the letter today saying they cannot approve my application at this time because American Express canceled my previous account(s). 

 

This reasoning came as a shock to me since I haven't ever had an Amex issued by Centurion bank. I have my Elan CC that runs on the Amex network but is backed by Elan. and I have the prepaid Bluebird checking account (I keep some money in there for online shopping).

 

The only thing I can think of is that my parents may have had an Amex and burned them? I use my parents address so if they blacklist customers based on address' that makes sense. Otherwise, they could have blacklisted me because of my name? Same name as my father. Still, I have a different SSN and dad has been dead for going on 8 years. 


My DP is a Jr (his father is Sr), same full name otherwise (first, middle, last). When I finally got him to take credit seriously we found that he had some of his father's items on his report and his father had some of DP's items on his. Took us awhile to clear it up but we were finally successful. Part of the problem was that DP had an account that still reported his parents' address to the CRAs. Something along these lines may be what's going on here with your scenario.

FICO 8: EQ 784 / TU 777 / EX 776
BofA Cash Rewards Visa Sig $60,000 / AMEX EveryDay $30,000 / Chase CSR $23,700 / Citi Double Cash $23,600 / Discover It $20,400 / CapOne QuickSilver $9,450 / Barclaycard Rewards $8,900 / Chase Freedom $1,500 / Lowe's $35,000
Message 3 of 12
Established Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

I find it odd because every other creditor has not had a problem approving or pulling my credit

 

My reports do not have jr. on them rather just First Middle Initial Last. Excluding Equifax which is just First and Last.

 

I check my reports monthly all accounts are mine. It would be hard for my dead father to get an account put on my credit.

 

I even combed through my annual report last month all is good and happy.

AAOA 15 months Fico 08's 714 717 678 11% Utilization
Message 4 of 12
Moderator

Re: Amex denial Blacklisted because of parents relationship with bank?


@depdep8 wrote:

I find it odd because every other creditor has not had a problem approving or pulling my credit

 

My reports do not have jr. on them rather just First Middle Initial Last. Excluding Equifax which is just First and Last.

 

I check my reports monthly all accounts are mine. It would be hard for my dead father to get an account put on my credit.

 

I even combed through my annual report last month all is good and happy.


You need to call them to find out.  Most likely it's an error due to a mix up with your father.  However, it's pointless to ever apply for an Amex card with Experian locked. They will not pull a different bureau under any circumstance so you're wasting your time to apply with it locked.

Message 5 of 12
Valued Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

I agree with calling them and sorting it out.

I had Experian Locked since I forgot it was locked when I app’d for a BCE. They pulled transunion. So they will pull another report. It was declined, so I called them and they pulled Experian after I unlocked it. Still denied.




Total Revolving Limits $219,300

FICO 8 scores 04/2019
EX-778
TU-714
EQ-716
Message 6 of 12
Frequent Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

What's a DP?
Message 7 of 12
Valued Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?


@depdep8 wrote:

Hello all,

 

I applied for the Blue Cash Everyday the boring would fit my spend card.

 

Anyway, they denied me and an inquiry never showed up, so I thought maybe they were trying to pull Experian which I had locked with Experian's credit lock.

 

Well, I received the letter today saying they cannot approve my application at this time because American Express canceled my previous account(s). 

 

This reasoning came as a shock to me since I haven't ever had an Amex issued by Centurion bank. I have my Elan CC that runs on the Amex network but is backed by Elan. and I have the prepaid Bluebird checking account (I keep some money in there for online shopping).

 

The only thing I can think of is that my parents may have had an Amex and burned them? I use my parents address so if they blacklist customers based on address' that makes sense. Otherwise, they could have blacklisted me because of my name? Same name as my father. Still, I have a different SSN and dad has been dead for going on 8 years. 



I am on their blacklist but they’ve extended my wife and 2 daughters with generous CLs now for their cards so NO on the BL via address theory. Must be the mix up on the similar names. You need to call them and clarify that.

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 5 EQ 4 TU 1
AAoA 5y2m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 8 of 12
Valued Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

My dad and I also share the same name and at one point the same physical address. We’ve both had items get crossed on each other’s reports in the past. Everything is corrected now. Clerical issues abound.

Most recently, NFCU required identity verification of ID and Utility bill for membership to authenticate him for membership. They thought we were the same person.

It’s such a hassle but I concur with the above suggestions to get it resolved.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 9 of 12
Community Leader
Mega Contributor

Re: Amex denial Blacklisted because of parents relationship with bank?

Em71, DP stands for data point Smiley Happy
#ChaseCreditCardHobby Enthusiast
2022
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Message 10 of 12
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