Consumer complaint received 2016-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Arbitration

Complaint:
To Whom It May Concern ; My name is XXXX XXXX XXXX, I am a XXXX XXXX Veteran with an XXXX. 
I am writing to formally make a complaint agains Chase Credit Card Services for pulling my credit and not approving me on the initial applications due to a human negligence of Chase Behave, and for pulling my credit for a second time without my consent and approving a credit card that I never applied for. 

I summited a credit card application for a CHASE SAPPHIRE Visa signature credit card on XXXX XXXX, 2016, Reference number : XXXX. 
On XXXX XXXX, I received on the mail the letter from the Chase XXXX department with a 30 day time window to contact them back ; the issue is that the letter was writing/generated on XXXX XXXX and sent out on XXXX XXXX. Making it impossible for me to respond on time as the letter was never physically sent on time by Chase, a clear negligence/ responsibility on behave of Chase. 

I have been calling the XXXX number to ask Chase to correct their mistake and take into accountability their human error and therefore the initial application for the CHASE SAPPHIRE Visa signature credit card from the XXXX XXXX application. I have been told many different tales of what might happen, anywhere from reconsidering the initial claim to clearing my credit report. 

I decided to stop at a Chase Branch to help me explain the situation and have Chase clear their act by connecting Chase it self, where I was told the initial application from XXXX XXXX was going to be honored and taken into consideration, and no new application was going to be summited/needed. ( no new credit pull ) : CHASE XXXX XXXX Relationship Banker NMLS ID : XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Phone : ( XXXX ) XXXX On XXXX XXXX, I received a call from a supervisor name " Precious '' where she told me that she had no status of any updates and that she was going to be contacting me back once she had some information. I clearly express to her that I do not approve/consent Chase to pull my credit again under any reason, that I do not want my credit to be re-run. 

Today, XXXX XXXX, 2016, through my XXXX credit monitor service I learned that Chase re-runed my credit yesterday XXXX XXXX, 2016 WITH OUT MY CONSENT. 
I called back the customer service number, spoke with XXXX XXXX at the XXXX XXXX TX Credit Card Services Branch. I requested answer to the matter, but they could not answer my question to this regards. I asked how is it possible the summited an application and approved with out my consented signature, and to send me the corresponding documents of such application, I received no answer. 
When I ask them what was the credit card they run the application for, they communicated to me for a Chase XXXX Rewards Credit Card which makes no sense because I initially applied for a CHASE SAPPHIRE Visa signature credit card. 

In conclusion, CHASE took it upon them self to re-apply, run my credit, and approve me for a credit card I never applied for. And still Chase have not taken responsibility in their human error of not sending my initial credit application of XXXX XXXX where my credit was pull either way. 

I will be attaching the following : 1 ) Letter with Envelop 2 ) Credit Inquires from XXXX Credit Monitoring XXXX 3 ) Email of the new credit card Chase too upon them self to run & approve my credit for with out my legal application My Point of contact is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX , XXXX XXXX, XXXX, FL, XXXX Phone : ( XXXX ) XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief