Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi CFPB- I recently became an american permanent resident ( i.e. Greencard holder ) after marrying my U.S. citizen husband about a year ago. Having only recently obtained my SSN, I was able to apply for a credit card for the first time. My husband and I bank with Chase bank and already have several accounts and credit cards open there under my husband 's name to which I 'm a joint holder or at least named as an authorized user. I now wanted to open my own credit account so that I could start building positive credit.
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On  XXXX / XXXX /17, I received my new credit card in the mail along with a letter for Chase confirming that they had issued an account to me with a credit limit of {$2200.00}. I then activated my card on  XXXX / XXXX /17 and attempted to use it for the first time on  XXXX / XXXX /17. My husband and I had already worked out a plan to make sure my account balance was always paid off in full prior to the 30 days mark so that we could keep building up my credit and be in a great position to apply for a mortgage together a year from now.
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On  XXXX / XXXX /17, when I attempted to use my card it declined. I then called and was informed that my account was closed. On  XXXX / XXXX /17, I spoke to a customer service specialist in the closed accounts department who informed me that the account was closed because of a routine credit audit that showed I did not have enough established credit.
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What I do n't understand is a ) why was a " routine credit audit '' performed on my account within 24 hours of me activating the new account and b ) why was the credit card with a limit of {$2200.00} ever issued to me in the first place, and c ) how is it legal/ethnical to open a new account for someone then close that account on that person without ever allowing them the opportunity to prove his/her credit worthiness?
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My concerns are that this action will result in further damage to my already fragile credit situation. I 'm a brand new person to the credit agencies and have zero credit history prior to this account. But now, in addition to being brand new, I 'll have a closed account on my record.
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Furthermore, prior to me applying for this account, I received multiple " pre-approved '' statements from Chase and Chase employees. In  XXXX , I went into my local Chase brand in   XXXX   to update my married name on the account. At that time, the staff member who assisted me, asked me to apply for a Chase Freedom credit card on the spot b/c his system showed that I was already " pre-approved ''. I decided to wait, then received other digital communications from Chase to the same affect.
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I knew applying for my first credit card would be a risk and I did n't anticipate getting approved for a large line of credit. My goal was simply to start the process that would allow me to prove a positive credit worthiness, but now I 've been damaged by the company I chose to help me on this path.
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As a minority  XXXX  man, as a married same sex couple and member of the LGBT community, and as an immigrant greencard holder, I 've already experienced so much discrimination and challenges to get to this point in my life. This feels like another unfair and damaging action against me.

Company response to consumer: Closed with explanation