Consumer complaint received 2021-01-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, I applied for Chase Freedom credit card. Shortly after, I received an " Action Needed '' letter requesting me to contact Chase to confirm my application and verify my identity, despite the fact that I applied for this card through my Chase online banking profile. On XX/XX/XXXX I called the number listed and verified all information with the representative who told me she would submit my application for approval. On XX/XX/XXXX, I received an " Update '' letter stating that Chase did not approved my application for credit card and the decision was based on the following reason : " A prior credit card or deposit account was closed by Chase ''. I never asked Chase to close any of my accounts. They were supposed to simply not held me liable for any unauthorized charges after they received all supporting documents as a result of ID fraud that I was a victim of in XXXX. 

Chase bank is discriminating against me because I was a victim of identity fraud in XXXX, and my chase credit cards were among several other accounts that were compromised as a result of identity theft and misuse of my personal identifying information by unknown party or parties. Back in XXXX, I have provided Chase and all my other card accounts, including my then bank account, all supporting documents, including but not limited to the police report I filed, ID theft affidavits, and much more. This was a very painful and hard time for me trying to find out what happened, suffering, and at the same time trying to recover from the damages caused by this horrific event. My Chase credit card was not the only card that was misused and incurred unauthorized charges, I had many others. And I did everything since XXXX to secure my personal information, signed up with ID XXXX XXXX to protect my identity better. As painful as it was, I learned from this incident. 

Since XXXX, I tried to recover, rebuild my credit and re-establish good relationships with my bank and all credit card accounts involved. I did recover and established an XXXX XXXX XXXX credit, no delinquencies, excellent credit rating with all my accounts without exception. All other banks granted my request for credit, trusted me and it paid off. I never once failed them. 

As far as Chase bank, since XXXX Chase is retaliating and discriminating against me. They somehow blame me for being an ID theft victim, as if I chose to become a victim myself. In the last 12 years since this incident, I have tried twice to apply for a credit card with Chase, attempting to rebuild my excellent relationship with them. In the last few months I have moved my personal banking to Chase, and I am in the process of moving XXXX XXXX needs to Chase as well. But that needs to be seen at this point. 

I called today and spoke to XXXX different individuals in XXXX different departments, XXXX and XXXX XXXX Supervisor ID # XXXX ). I expressed my frustration for them not understanding the fact that I was a victim of ID theft in XXXX and they had all necessary documents to go by, and I told them that they were clearly discriminating against me for no apparent reason other than being an ID theft victim 12 years ago. XXXX didn't do anything but offered me the contact information of the attorney who handled my case back then. I told her I did not see a reason to contact an attorney who handled my case 12 years ago. Even the statute of limitations have expired on a case like this. I explained her that all I was trying to do was to re-establish my excellent relationship with Chase, and yet, Chase is simply retaliating against me because I happened to be a victim of ID fraud in XXXX. 

Chase has no reasons to deny me credit. None. I have perfect credit, perfect payment history, perfect record, I have stable income and high credit limit accounts with different financial institutions who didn't use it against me the fact that involuntarily I became a victim of ID theft. 

Chase simply discriminates and retaliates against me, and they failed to properly document my case back in XXXX so that I don't have to go through this 12 years later.

Company response to consumer: Closed with explanation