Consumer complaint received 2018-06-20
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:
So my issue started since last year when I first applied for Chase Freedom Unlimited credit card around XX/XX/XXXX. When I applied for this card, I was asked to send some information to Chase ( SSN, Proof of Address ), and I was approved for the credit card on XX/XX/XXXX. The lending service confirmed that I was approved with a credit line of {$10000.00} after I submitted all those information mentioned to Chase, and they will be mailing the card soon to me. However, surprisingly, the next 6 days after the lending people told me that my card was approved suddenly told me that my credit card account was just closed. I couldn't remember how I get in contact with them, either I call them for more information about when I will be receiving my card or they just called me to inform this. I'm very disappointed when they told me that, and mostly that they couldn't provide me the right reason to that until this day. 

Time went by and it finally came back to my mind early this year, and I applied back for Chase credit cards ( Trying to give it a try ), I couldn't specify how many times I have been applying their credit cards to date since the beginning of the year and got declined with the reason " Previous unsatisfactory relationship with the bank ''. The first time I read the reason, this concerns me a lot. I'm a very responsible credit card users with another financial institutions ( XXXX  XXXX XXXX, XXXX XXXX ) and never have I ever heard such a reasoning being thrown at me before. So I made a call to Chase lending and operation when I first received the letter with such reason, and they weren't able to give me a valid reason as to why I was thrown such a reason. However, after several calls within weeks, I finally got an answer from one of the lending service people, that the reason is because of my credit report that shows I had a closed credit card account with Chase. When I heard that, I was pretty mad that they told me there was a closed credit card with them, where in the first place, I have never even received my card that was closed, and in fact, they closed them without being able to give me a valid reason as to why they closed it 6 days after it was approved. I find it funny right there. I kept applying after that, and finally they changed the reasoning to " Too many credit reviews/requests '' to the recent declined application of mine for their Chase sapphire preferred and freedom credit card. 

Therefore, this came to the end of calling them which is today ( XX/XX/XXXX ), and they weren't still able to answer my question as to why my credit card was closed last year after 6 days of approving it. I just want the card and they can't give me any good explanation. I have kept applying for new cards and kept getting declined due to the history on my record that they closed my credit card with no valid reasons. I have gone through multiple calls with them and wasted so much time, and finally figured that my time is worth more than just calling them all year long about this issue, and having to hear their non-sense talk without any valid statement/reason. I would love to get this issue resolve and that I came through CFPB hoping that anyone can help me achieve my entitled treatment from Chase as a customer ( I have an active checking account with them ). I hope CFPB can help me get my fair treatment from such huge financial institution.

Company response to consumer: Closed with explanation