Consumer complaint received 2019-10-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please NOTE : A copy of this complaint is being emailed to Chase CEO Mr. XXXX at XXXX, XXXX, the VA, XXXX Ceo XXXX XXXX at XXXX and the news. 
A paralegal is helping me draft this letter/complaint. 

I am a XXXX yr old XXXX Vet & XXXX  XXXX recipient, Chase bank has been discriminating against me due to my " healthy '' age and has caused me tremendous stress, financial loss, defamed my character and embarrassed me in front of my neighbors. 
Due to my injuries I was given a medical leave but refused my medical leave and although I suffered from XXXX XXXX, rejoined another unit in XXXX to finish the war. 
Although I qualified for VA benefits I did not apply for them for over 50 yrs because I felt other soldiers needed them more. Only after the death of my wife a few yrs. back did I finally apply to honor her dying wishes. 

See the XXXX  story : XXXX XXXX XXXX " XXXX said he didn't previously ask for benefits because so many soldiers from XXXX XXXX XXXX needed what money was available more than he did. But now that his wife has died and his XXXX XXXX XXXX, XXXX said he needs help. 
XXXX is a happy-go-lucky man who volunteers at a senior center to keep the elderly entertained. He's suddenly in a situation that makes him very sad. 
" As she was dying, she said, 'Make sure you go on and apply, ' '' XXXX said. " I promised her I would. '' He promised his wife that he would apply for military health benefits that he said he deserves due to an injury he sustained during his service. '' HISTORY : Since it is more difficult for me to drive and carry heavy items, a family member suggested I do most of my shopping online and have my items delivered to me. 
I joined Amazon, XXXX, XXXX & XXXX, i did not know how convenient and fast online shopping was. 
XX/XX/2019, While on amazon I received an offer to apply for their rewards card, sure why not. It was the Chase Amazon card I now have and yes it is in my possession. I did not get an instant approval, I was very surprised as my credit score is over 800. If i could not get an instant approval with a credit score like that than who can? 
Chase sent me a letter confirming my credit score was XXXX, but they needed more time. 

XX/XX/2019, I received a letter from Chase stating They could NOT confirm my information. Note : in 70 yrs I have never had anyone claim they could not confirm my information. 
I am a very simple person with a very simple life. Lived at the same home for over 50 yrs. I have used only 2 phone numbers over the last 15yrs. I have had only 2 email addresses in my life. This is the information I gave Chase. 

Chase asked me to fax them SPECIFIC INFORMATION that they needed to know exactly where i live. REMEMBER I HAVE ONLY LIVED AT 1 ADDRESS MY ENTIRE LIFE AND THIS IS THE ADDRESS I PUT ON MY APPLICATION. Chase said here is what we need ( see letter i am attaching ) * Unverified or missing date of birth, please provide proof of dob. 
* Proof of current billing address * A copy of this letter On XX/XX/2019, I went to a XXXX XXXX location and faxed them a copy of my drivers license, current XXXX utility bill and their letter as they requested. 

XX/XX/2019, Chase sent me another letter, claimed WE NEED NEW DOCUMENTS TO CONSIDER YOUR REQUEST Chase claimed what I faxed them was illegible I knew That was a LIE. ( I had copies also faxed to my attorney those came out completely legible ), could not understand why Chase would lie to me like this and make this process for someone my age so difficult. 
XX/XX/2019, I went to the same Fed Ex location and re-sent the same documents, but also added my XXXX XXXX XXXX energy bill. 

AS a result of what Chase was implying, I became concerned that information on my credit reports were incorrect or hacked and changed in some way. Therefore I contacted my attorney again and he suggested to pull all my credit reports. I paid her {$250.00}, she pulled XXXX, XXXX & XXXX. She also pulled from a company called XXXX. Everything was accurate including my DATE of BIRTH! 
* ALL MY INFORMATION WAS reporting ACCURATELY! 

My attorney suggested Chase did not want to give me credit due to my age, but could not decline me with a credit score as perfect as mine. So another way for them to discriminate against my age & deny me credit would be to make the process as difficult and inconvenient as they could, hoping I would give up or cancel my relationship with them. She said it is the identical procedure insurance companies use and were busted for a few years back. XXXX XXXX was busted for using this procedure called XXXX. I was very disappointed to hear this, it actually, in a way broke my heart. 

To think of a country I served and sacrificed for, fought for even through injury. Came home from the war to live a quiet, honorable life. For the largest bank in the world, with a CEO Mr. XXXX, who America hails as the best CEO in the world to implement a policy like this, a policy by design created to cause harm to someone like me Yes, it did break my heart. I feel forgotten, written off, disrespected and unwelcomed. 

XX/XX/XXXX, finally received an email from amazon of my approval and that I could use up to {$5000.00} immediately, so I placed an order for under {$300.00} had the items delivered to MY home address. 
XX/XX/2019, I received my Chase Amazon card and made a purchase for about {$180.00}. 

On XX/XX/2019, at about XXXX I went to my credit union ATM to take out money. I entered my correct pin but was declined, receipt said : I could not use that location for the transaction. So obviously I thought I could not use my XXXX Chase at credit unions. 
Later I went to XXXX XXXX and was declined, The much younger gentlemen behind me in line offered to pay my bill. This was very embarrassing for me. I thanked him, but said I can pay my own bills and paid with my other card. 
Understand, going back at least 40 yrs. I have never, ever had a transaction declined, hence my CREDIT SCORE is over 800! 

Chase has now restricted my account implying I am not the one using my card. I have only made 4 or 5 attempts to use my card over a 10 day span and only 2 attempts since obtaining the physical card. I have even contacted them through my Chase accounts Online secure feature at least 2x confirming I have my card and all the purchases/attempted uses were me. 
Regardless of those and the following facts & proof how chase has played games with me.

1. I Confirmed receipt of all documents mailed to my address 2. Twice I faxed over my drivers License/ utility bills and a letter they mailed to me All online purchases were mailed to my home address 3. I activated the card from my listed phone number and  confirmed I received it through Chases secure online portal. 
*****PLEASE TELL ME WHAT THE XXXX IS UNUSUAL or SUSPICIOUS? ***** 4. Each message I have sent to Chase their response does not answer any question but passes me along to another department to wear me down.

5. I have attached copies of those messages.

6. Chases latest response claims someone will call me. I am sure that someone has no intentions to resolve this issue but to spin me more. 

On a personal Note : I fought for this country because I loved this country, loved the leaders who represented the United States of America, the people who represented our country and the corporations who represented our country. I was willing to sacrifice my life for our country. 
Today, I can honestly say I would not fight for todays AMERICA,  for todays corporations for todays leaders. I am embarrassed, sickened and fearful for where a country I once loved unconditionally is heading. 
For the people who read this, please, I beg you do not allow what was once the greatest country in the history of civilization to implode! I can assure you if people refuse to stand up, refuse to do what has always been right, refuse to demand better, the deterioration of America will be irreversible.

***NOTE : My Attorney strongly urged me to demand all correspondence in written form. I will NOT discuss this issue over the phone. I want a physical record of all dialogue and the surest way to accomplish that is by email. USPS or any other written form. 
However, I am willing to bet Chase will continue to attempt to correspond with me over the phone so that they can control all the evidence and simply play the ignorance card.

Company response to consumer: Closed with explanation