Consumer complaint received 2021-06-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Reference number XXXX I applied for one of your credit cards and listen when its all said and done whether you approve me or not is really irrelevant at this point the issue that I have is the reasons youre giving me for denying my application the things you said just arent true I mean theres no other way of saying it theyre just not true and I sent a letter back to you after the first letter from you and I asked for someone not to send me a form letter into actually explain whats going on you didnt do anything all you did was print a new form letter and send it out the results of that is now because of the poor customer service and filing a complaint clearly youre unwilling to talk to me directly so you gave two reasons for my credit card being denied First reason your credit report reflects delinquent past present credit applications.. im here to tell you thats just not true Ive looked at my training and report every time Ive communicated with you Im looking at it right now on my computer as I type this there are absolutely no negative components to my credit report you just start telling the truth and if you really do have something showing up on your end I want to know what that is what specifically is delinquent because if XXXX XXXX is giving you something then they give me need to file a complaint with XXXX XXXX but with a credit score of XXXX thats pretty darn good I dont have any negative items on my credit report no past due bills no over the limits no nothing The second reason balance to high compared to credit limit again I dont know where youre getting your information yes I have a couple cards that I use and I use every month so it appears that theres always a balance but the vast majority of my credit cards have XXXX balance are you sure youre still looking at the same XXXX XXXX report that Im looking at I dont know how your information could be so much different In the white sweater you mentioned that I had a previous account with you credit obligations but that wasnt true either I have never had any accounts years ago there was a identity theft situation and I believe Chase may have been one of the banks in account was opened with but all of that had been resolved years ago you were supposed to remove any obligations from your records and mine so why are you still showing on your end that I had an account with you? 

There is just a lot of an accurate information from what I can tell and even though I have asked for an answer before explaining whats going on youve chosen not to give that to me so now Im messaging you on here I want answers to my questions its not unreasonable I have good credit Im a good customer I dont think any of my credit cards would have anything negative to say about me I have income I will have additional income separate from my salary from rental propertiesWhat are the real reason youre not approving my application?

Company response to consumer: Closed with explanation