Consumer complaint received 2017-10-19
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:
I become Chase customer in XXXX when opened my checking and saving accounts with them with my foreign ID and documentation. In XXXX XXXX I applied for Chase freedom for which I was approved even without SSN. I applied and received Chase ink for my business in XXXX. All credit cards were paid on time and full. In spring of XXXX I have received a call from Chase asking to verify my SSN as they did n't have proper documents on file and asked me to send my SSN verification documents which I faxed them from their office. 
I have business and personal checking accounts with Chase. Plus the bankers from XXXX XXXX Chase office knowing my balances with XXXX and XXXX were persuading me to become Chase private client.

I was waiting to apply for Chase sapphire reserved Credit Card and never applied for any credit card for a year. When applied for credit card application was pending. I called lending department same day and the specialist told me that i need to pass the verification of SSN. ON THE  RECORDED LINE i told them i have provided all my documentation in XXXX for freedom and repeated twice that i have only 2.5 of credit history. The lending department specialist on recorded line told me that he sees that I have 2.5 years history and I am approved for the card with my credit. During the same period I called on the recorded line Chase Ink services that i need to buy XXXX XXXX computer equipment from XXXX and informed them to approve that transaction and they are not fraudulent. And the transactions were approved. 
On XXXX XXXX i see that my card were shut down I called customer service they connected me to XXXX. It was different type of lending department. I was told that my card were shut down for 2 reasons.

- rapid increase in revolving balances ( which i explained I informed them that i am going to buy some equipment for my business and I was always paying before balance statement period, and i am returned some items back to the stores so it will show refund ) - Not enough credit information of file. ( the lady on recorded line asked me only one question why i have only 2.5 credit history as most of people starting getting credit card from age of XXXX ). I told them that I moved to USA only in XXXX, opened my First credit card with Chase in XXXX, passed SSN verification in XXXX and CHASE is fully informed about the fact that I am US person from XXXX. And moreover during Chase sapphire application the lending department employee confirmed that I was approved with my 2.5 credit history. To my arguments the employee simply answered that unfortunately the department which closed that account was not aware of any of that information and did not communicate with other departments. 
On XXXX the another employee from same department told the biggest concerns that were balances on my account and told me to pay them. I already deposited my money to the account but according to the call XXXX I was not able to pay them online as my account were shut down and was told to pay online. Anyway I was able to pay balances Online in full ( even for returned merchandise for XXXX Usd which shows as credit now on my file ). I was told to wait 10 days to receive a call regarding my accounts. 
On Monday in XXXX chase branch I was told by banker that my account were shut down as I am new to the country, I told them it was a discrimination and he told me that it was Chase policy. 
To my biggest surprise I never received any call until I called them today my request declined for the same reasons. And i never received chase sapphire card and activated but it shows on my accounts online and according to the banker from XXXX it will show on credit reports too. 
So chase one department approves credit, another department approves transactions, another department does all verification and there is another department XXXX who shut downs the cards and admits that they are not in touch with other department and do n't care about information provided. As they are to lazy to call lending to verify my credit information provided and contact fraud and customer service to verify that i informed them about upcoming transactions. Even I paid for the credit cards knowing that there will be refund from XXXX as I was instructed by banker to reopen the accounts on XXXX Because I am new to the country should i be discriminated? My cards and credit bureau profile should be ruined because of chase as I was not in USA at age of XXXX to apply for the card? Moreover my Identity was stolen and i was XXXX XXXX XXXX and my chase credit cards were stolen ( chase was aware of that ) and such a support I was getting from the one of the main bank i was banking with.

Company response to consumer: Closed with explanation