Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a member with Chase bank almost a year, they forced me to open an account with them due to a organization that helped me with my daughters funeral arrangement last year. The amount was XXXX so I took it to the bank that the organization banked with. They told me unless I was a member they told me that unless I go to that organization and get {$3000.00} turn into two checks they were not going to be able to help me so .... I opened the account reluctantly but I stay there because I knew it was a good bank. I recently open a business and they put on my account that they were offering me a line of credit, a credit card, or a loan. they only do that when they feel that you are qualified to receive these items. So I apply for credit card that they were going to approve me for and it because they would check and my balance was low and I had no idea that it was below the balance they denied me. when I called the reconsideration line I explain he explained to me that it was because I had a negative balance and I told him there was no way. Upon looking further I find that XXXX I had placed on the XXXX to stop a payment in the company from pulling any more money out of my account was not done properly by Chase Bank so they fix the problem and the same guy who told me what the problem was told me to call them back as soon as they fix the problem so they can help me. Apartments fixing the problem I called back and they found more reasons that they could not approve my application stating that I had a account from XXXX XXXX XXXX that I've already filed a complaint with y'all for. Now after I spoke to that guy and he was being very rude I asked to speak to a supervisor. I questioned him about the bee products that were offered to me on my account that they had presented to me for being such a good client and member. When I told him about this he told me they did not have it on there. that is not true. When I look backat the offer that they produced to me they had taken it off of my page as if it was never there and placed a pig with some coins saying that if I hustled members to come to them I can receive up to {$220.00} and that's all they had for me. This is not only a slap in the face but a complete insult when speaking to the supervisor of overriding it would first name was XXXX, he said that they had never placed any offers up there and that my account was too new and I said you would have possibly you would know that before you place the offer there at that time he was helping XXXX which was the one who took it off cover this up and said that no one updated anything. he asked.he asked me what did I want him to do I said to reconsider the fact that your first agent told me what to do I did it and you still are refusing to give me a line of credit I have a business to run I trust y'all I have banked with y'all and y'all have let me down repeatedly I have been an overdraft so many times for them letting something go through that I told them not to. when asked why did they let certain items like a light bill and inbox loans and several others go through their simple explanation was because you are a valued customer. so I stated if I'm such a valued customer and you trust me enough to let items go through because you know I'm going to pay them, then why are you not trusting me with a line of credit I don't have credit nor do I have working capital and if I can't go to my own bank to receive some help then where is it that I am supposed to start to obtain any type of credit, if I can't get help from the peace people that I bank with. I own a business now and I would like for them to stand by their word instead of covering things up and I need them to give me the line of credit that they told me I could any phone record or pulling up of my bank statements will show that they did offer me credit XXXX run my credit 5 or 6 times running my credit score to the floor then deny me. They absolutely weighted to say that I was in default when I applied and each time it was through no fault of my own it was chase that allows something I specifically told them not to go through. I asked to speak to XXXX 's manager and he said that there was nobody above him that I could speak to, so he refused to give me anybody else 's number and I asked him was he the president because I know that he has to answer to somebody. but he stated that he was the head of the overriding of Chase and no matter if I spoke to someone else the denial will still be the same because that's just what he said and I guess nobody was going to override what he said I am highly insulted and I want them to change the decision because I plan on taking a legal matter if I can't come to a resolution or in get the credit that they absolutely offered me

Company response to consumer: Closed with explanation