Consumer complaint received 2019-06-27
Company: JPMORGAN CHASE & CO.
State: NV
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:
First of all, i would like a different Chase representative to review my complaint other than XXXX, preferable a male. 

I beg to differ about your response. Before I contacted the executive office I called the credit card denial XXXX number about the application and questioned them in length about the denial. Basically I was verbally and definitely told by the representative that I was denied not particularly because I had an over six year old bankruptcy, but because I had Chase credit card accounts included in the bankruptcy. That is why I tried to explain my reasons for the bankruptcy being medical because I am XXXX, possibly XXXX   XXXX XXXX, under the XXXX and that we would have lost our house if we didnt go bankrupt to the Chase CEOs office. We all know that if you go bankrupt you are not allowed to exclude any creditors, so Chase could not be excluded from the bankruptcy. There are also numerous other reasons stated in the denial letters that are totally false and fabrications and basically slandering my name in front of anyone who reads it which may be a legal recourse action. The only true thing in the letter is yes I went bankrupt over seven years ago which by now is not even cared about by creditors. Everything else in my credit report is stellar. In their letter of XX/XX/30 they listed my score as XXXX which is in XXXX VERY GOOD range. By all normal standards and software on XXXX XXXX and other sites that I checked, Im being given a good chance to be approved for the Chase Marriott card if I wasnt being blacklisted. We also as I have explained are authorized users on my sons card and Chase NOW knows we are authorized users and as I explained, my son does not use the card. Only we use the card for points and my son transfers them to us. We have given XXXX thousands of dollars on their XXXX card but unfortunately a lot of places dont take XXXX and that is why we want a VISA. So, why are we good enough to give Chase $ 2,000- $ 4,000/MN. business on my sons card and not good enough to get approved for our own card now that I made them aware of who is actually giving them the business. It is us, not my son who in good faith have made the charges and religiously paid every penny owed, usually down to XXXX before the statement recycles. Basically, however you want to phrase the situation, Im being discriminated or blacklisted by Chase not because of the bankruptcy, but because they were included in an OVER SEVEN YEAR OLD bankruptcy. I want the real reason for the denial as explained to me on the XXXX number in writing so I can forward it to the Department of Justice to see if there is any reason they are considered to be violating the American with Disabilities Act. If you are going to deny me, tell the truth and stop making up slanderous statements about non-existent facts in my credit record. If the DOJ rules in my favor that I have cause, then Chase will be paying a lot more in fines than they ever lost in the bankruptcy and I assume be forced to give me a card and possibly be responsible for damages to me which may be automatic and allow legal action. If they dont reconsider I will send copies of these two statements and my letter to the CEO to the DOJ and see what they say.

Company response to consumer: Closed with explanation