Consumer complaint received 2018-04-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2018 I applied for a XXXX XXXX XXXX card through Chase Bank. A few days later, I received a letter asking me to call Chase and verify some information, which I did. Chase at that time asked for a copy of my government issued photo ID, which I faxed to them. I then received a second letter stating that the photo ID was illegible, and made another call to Chase. The representative advised me to visit a Chase branch to have a banker verify my ID, and call into their credit card department to confirm and fax it to them. The nearest Chase branch is about 80 miles from my home, but I complied with their request because of my interest in this particular product due to my frequent visits to XXXX. A few days after my visit to the branch, I received another letter from Chase stating that the fax of my ID was illegible. I called Chase again, and for the third time at their request faxed a copy of my ID. A few days later, I placed a call to Chase, explained what I had already done at their request, and that I would like to confirm that they received the fax. The representative advised me that there were many " remarks '' on my application, and due to the time that had passed since my initial application ( about a month at this point ) she recommended I just submit a new application, and she could process it for me. While on the phone with the representative I filled out another application for the XXXX XXXX XXXX card. The following day, I received a letter stating my application was being denied because they were unable to verify information in the application. I called into Chase, spoke with a representative that stated I had applied too many times. I explained there was a second application done only at their request, and asked to speak with a supervisor. After about 40 minutes on the phone and lots of questions, the supervisor stated that she finished the review and identity verification and I was approved and would received my card in a few days. I received both the card and a separate letter stating my application was denied on the same day. I called to activate the card and was told the account was closed. The representative stated it was due to me putting in the second application. I was then transferred to different departments and ultimately spoke to someone named XXXX in their lending services department who stated that after I was approved, a separate department reviewed the new account and closed it. She agreed that it should not have been opened in the first place if that was going to happen, and then transferred me to the department that closed the account where I spoke with a gentleman named XXXX. XXXX advised that it was closed because too many inquiries were on my credit report. I explained to him I had pulled my own credit report and the only recent inquiries were form Chase. He stated that while he could see that, once the account is closed it can not be reopened. I am fine with the account not being opened for whatever reason Chase chooses not to open it for. I am not ok, however with chase now pulling my credit reports twice ( second time at their insistence, obviously to my detriment ) and placing an account that I never had, and never used, and by their own admission that should have never been opened, on my credit report and listing it as " closed by credit grantor ''.

Company response to consumer: Closed with non-monetary relief