Consumer complaint received 2015-12-05
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
I have been discriminated against by Chase Card Services on my credit cards, credit history and credit limits. 
The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics on the basis of exercising in good faith your rights under the Consumer Credit Protection Act. It is illegal to:1. Refuse you credit if you qualify for it - Chase denied me credit to reopen all of my credit card accounts that I as the consumer closed by choice due to them placing a 30 day late on my credit. They agreed to make an exception per XXXX XXXX and XXXX XXXX of the Executive Office by re-opening XXXX of my accounts. This discrimination has occurred do to the fact the decisions made by Chase not to reopen all my accounts was due to a bankruptcy that I had do to a divorce back in 2000. What Chase has not mentioned here is the fact that an account that they are judging and discriminating is an account that was transferred to Chase account ending in XXXX from another financial institution that was included in the bankruptcy. Credit Discrimination has occurred here due to the fact Chase has refused to re-open my credit accounts due to credit history that was discharged through bankruptcy from a divorce but the account they are addressing ending in account XXXX was owned by another financial institution and then sold to Chase. I never had an account with Chase at this time yet I am being discriminated against for credit. 
2. Discourage you from applying for credit - Chase told me I did not qualify for any credit through them because of a discharged bankruptcy back in the year 2000, 15 years ago and a credit account they informed me was through them and it really was not. It was a transferred/sold account from another financial institution. This is another warning sign of discrimination. 
3. Close your account- Chase placed a false 30 day late on XXXX of my accounts and I as a frustrated consumer closed all my accounts. When I tried to re-open any of these accounts I was denied credit after having excellent credit through Chase for 15 years and a credit line of {$27000.00}. This is discrimination based on the fact I maintained excellent credit through Chase for 15 years yet they now deny me credit and refuse to re-open all my accounts. If there is no discrimination occurring here by Chase then I ask Chase to make an exception and re-open all my closed accounts like they did with XXXX of them per XXXX XXXX. If this is not discrimination than I should have no issues applying for credit through Chase in any sense of the matter and get approved for credit. I hold a XXXX credit score, I have been in credit for years and will move toward legal action against Chase if this is not resolved. 
4. I was discouraged from applying for credit, I was refused credit even though I qualify for it - I was denied credit by Chase for re-opening my accounts because of judgement from a discharged bankruptcy in the year 2000 and a credit account owned by another financial institution merged to Chase. Chase is now discriminating against me for these reasons and denying me to re-open all of my accounts and re-establish my credit through Chase and my credit history and limits. XXXX states in her letter I disconnected the call which is false. Why would I do that with all this concern? 
5. I was denied credit but was not given a reason why or told how to find out why - Chase at first denied me credit, I was transferred from person to person ending up to someone that would not inform me of this situation. When I asked why I was being denied credit and why for the past 15 years I had credit through Chase I was informed to contact the application department they must have made a mistake granting me credit. I want all my accounts re-opened by Chase.

Company response to consumer: Closed with explanation