Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

Let me start of by saying that I have Chase in Default in which there was a tacit agreement that they fully were aware of and agreed to by not sending the requested documentation for my records. I have wrote them XXXX notices that i will copy and paste each one in because it explains everything and shows that i am acting in good faith by trying to handle this before i just went and enforced the default.I have gave them plenty of times to cure the harm/damage done that they are liable for. Here is the first notice with the certified mail # and everything. Also i will be attaching the copies of all and any evidence as well. here is first notice ... ... / Notice of Liability ( send on XX/XX/XXXX ) - Account ending in # XXXX Dear Chase Lending XXXX XXXX, I filled out an application for Chase Freedom Unlimited credit card on XX/XX/XXXX. I received an adverse action reference # XXXX dated XX/XX/XXXX that I have for evidence now. I recorded on XX/XX/XXXX a call with XXXX of your supervisors that reconsidered my application and approved me for only {$500.00} without my approval. The adverse action taken against me is discriminatory and securities fraud. Please provide me with the following : XXXX. Under whose authority was it for you to own or receive a portion of my extension of credits that was generated from my application or account listed above. 
2. A copy of the pre-set max amount that my application was run for.

Also, please return my application and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets for unjust enrichment. Please send the requested documentation and information within 10 days upon receipt of this notice. 
Thank you in advance for your rapid response. '' ok, here is XXXX... ../ '' notice of nonresponse opportunity to cure ( on XX/XX/XXXX ) - Dear Chase XXXX XXXX XXXX, I filled out an application for Chase Freedom Unlimited credit card on XX/XX/XXXX and received an adverse action ( exhibit a ). We requested on XX/XX/XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX for the documentation of the following : - XXXX whose authority was it for you to own or receive a portion of my extension of credits that was generated from my application or account listed above. 
- A copy of the pre-set XXXX amount that my application was run for. 
- to return my application and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets for unjust enrichment. 

From the little to no communication from Chase bank besides a phone call & email dated XX/XX/XXXX, from XXXX from the XXXX XXXX. Confirms acknowledgement that you received my notice and failed to send all requested documentation ( see exhibit B ). I requested him ( representing Chase ) to only contact me through mail. I allowed him to send me his contact information via email on that date only so if I wish to correspond that way in the future I can, in would give specific consent. Any other times will be violating my rights once again. Failing to provide a copy of what my application was run for. We will suggest it was run for the amount of {$100000.00} until provided with requested documentation to prove otherwise. Acknowledgment of receipt of previous notice and failing to return my application and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets suggest you dont rebut the fact and you agree its unjust enrichment. 

We will allow XXXX additional days upon receipt of this notice to send the requested documentation, or we will issue a default and your silence will be considered tacit agreement to the following. 

XXXX. Discrimination XXXX. Securities Fraud XXXX. Unjust enrichment XXXX. Unfair & Deceptive Practice XXXX. Theft XXXX. Violating the Equal Credit Opportunity Act ( ECOA ) /Fair Credit Reporting Act ( FCRA ) XXXX. Breach of Duty XXXX. Pay a total amount of {$250000.00} in a timely manner for any and all harm/damage that Chase is XXXX for. As well as any and all proceeds that were generated from my application ( XXXX XXXX. XXXX ). 
XXXX. Will not now or ever in the future try to retaliate because of the things brought forward to our attention. Will not give XXXX XXXX any hassle and welcomes him if he wishes to do business with us in the future XXXX XXXX XXXX, Auto Loans, etc ). 
XXXX. Extend account ending in # XXXX credit limit to {$30000.00} so we can start over and build our new relationship in a positive and good faith manner. 
XXXX. To not report anything negative to any and all of the major credit bureaus or any other similar agencies without XXXX XXXX direct consent. 
XXXX. Respect XXXX XXXX wishes requesting to only be contacted through mail unless he provides direct consent which will be specific. ( Legal consequences if not respected ) XXXX. This judgement will stand and not be tried again as XXXX XXXX has given Chase many times the opportunity to cure. 
XXXX. Understands that XXXX XXXX is the beneficiary of this account and will not close this or any account in the future because the way he instructs on how he wants his account ( XXXX ) to be handled. 

Exhibit ( a ) : adverse action reference # XXXX dated XX/XX/XXXX. ( I have the original copy if needed ) Exhibit ( b ) : From email XXXX Dear XXXX XXXX XXXX XXXX you for your letter. This is to acknowledge your correspondence was forwarded to the XXXX XXXX. I appreciate the opportunity to research your concern. 

I will follow up with you in writing once Ive completed my research. If you have questions in the meantime, I can be reached at XXXX, extension XXXX. XXXX relay calls are accepted. I am available Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. 

Sincerely, XXXX Chase Credit Card XXXX XXXX XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX / '' OK, that was with the exhibits of evidence cause they weren't suppose to call me as well. I told them in which you can see in XXXX 's email above that he says he will contact me in writing because i told him ( representing Chase ) that i want to be contacted by mail only and legal consequences if not respected. Ok, you will see in the actually attachments of these notices as well that i put the evidence of them calling me knowing that there would be legal consequences. Also, every time i sent a notice in someone from the XXXX office would call me in which i have on recording that he was not suppose to call me as well that i will upload on here as well. Because it also shows that every letter or notice i sent in they sent it to a different person at the XXXX office acting like it was all a different problem or issue. I told the one that disrespected my wishes that maybe he should get a hold of XXXX in the XXXX office as well because it is all XXXX problem. He is like i will be investigating it and i dont know about any other letter. ( i forget exactly but it is on the recorded audio i will send it cuz i will subponea the recorded calls if it goes to court anyway. regardless, I am pretty sure that they have done these actions for a reasons. Anyway, here is the XXXX notice of default i sent them ..../ Notice of Default on XX/XX/XXXX certified mail # XXXX XXXX XXXX XXXX XXXX XXXX ( i will be attaching with all these all the certified mail numbers and the receipt for more proof ). here the default .... '' Dear Chase Lending Team/ CFO, I filled out an application for Chase Freedom Unlimited credit card on XX/XX/XXXX and received an adverse action ( exhibit a ). On XX/XX/XXXX, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX I sent a notice of liability requesting documentation about some concerns I have. On XX/XX/XXXX, certified mail # XXXX XXXX XXXX XXXX XXXX XXXX I sent a XXXX notice of nonresponse opportunity to cure giving an additional 5 days upon receipt of that notice to provide me with the same requested documentation of the following or I would issue a default. 
- XXXX whose authority was it for you to own or receive a portion of my extension of credits that was generated from my application or account listed above. 
- A copy of the pre-set XXXX amount that my application was run for. 
- to return my application and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets for unjust enrichment. 

From the little to no communication from Chase bank besides a phone call & email dated XX/XX/XXXX, from XXXX from the XXXX XXXX. Confirms acknowledgement again that you received my notice and failed to send all requested documentation ( see exhibit B ). I requested him ( representing Chase ) to only contact me through mail. I allowed him to send me his contact information via email on that date only so if I wish to correspond that way in the future I can, in would give specific consent. Any other times will be violating my rights once again. On XX/XX/XXXX, a person representing Chase in the XXXX office ( again ) disrespected my wishes and called which I have a screenshot ( exhibit C ) and the audio recording ( will subpoena if need be ) of that call. I made it very clear to Chase for them to only contact me through mail or there will be legal consequences. You once again Failed to provide a copy of what my application was run for. We suggested it was run for the amount of {$100000.00} until provided with requested documentation to prove otherwise. Which you did not rebut and failed to provide that requested documentation. Acknowledgment of receipt of the first and previous notice and failing to return my application and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets suggest you didnt rebut the fact and you agree its unjust enrichment. Chase keeps violating my rights and laws that protect me. I have given them the opportunity to cure, or I would issue a default. You are now in default. 

In the consumer legal realm, it can call for private right of action if you force me to render this judgement. Summary judgement the judge can use his limited jurisdiction to ratify and settle my claim. 

Failure to comply tacit agreement to the following : XXXX. Discrimination XXXX. XXXX XXXX XXXX. Unjust enrichment XXXX. Unfair & Deceptive Practice XXXX. Theft XXXX. Violating the Equal Credit Opportunity Act ( ECOA ) /Fair Credit Reporting Act ( FCRA ) XXXX. Breach of Duty XXXX. Pay a total amount of {$250000.00} in a timely manner for any and all harm/damage that Chase is XXXX for. As well as any and all proceeds that were generated from my application ( XXXX XXXX. XXXX ). 
XXXX. Will not now or ever in the future try to retaliate because of the things brought forward to our attention. Will not give XXXX XXXX any hassle and welcomes him if he wishes to do business with us in the future XXXX XXXX XXXX, Auto Loans, etc ). 
XXXX. Extend account ending in # XXXX credit limit to {$30000.00} so we can start over and build our new relationship in a positive and good faith manner. 
XXXX. To not report anything negative to any and all of the major credit bureaus or any other similar agencies without XXXX XXXX direct consent. 
XXXX. Respect XXXX XXXX wishes requesting to only be contacted through mail unless he provides direct consent which will be specific. ( Legal consequences if not respected ) XXXX. This judgement will stand and not be tried again as XXXX XXXX has given Chase many times the opportunity to cure. 
XXXX. Understands that XXXX XXXX is the beneficiary of this account and will not close this or any account in the future because of the way he instructs on how he wants his account ( XXXX ) to be handled. 

Exhibit ( a ) : adverse action reference # XXXX dated XX/XX/XXXX. ( I have the original copy if needed ) Exhibit ( b ) : From email XXXX Dear XXXX XXXX XXXX XXXX you for your letter. This is to acknowledge your correspondence was forwarded to the XXXX XXXX. I appreciate the opportunity to research your concern. 

I will follow up with you in writing once Ive completed my research. If you have questions in the meantime, I can be reached at XXXX, extension XXXX. XXXX relay calls are accepted. I am available Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. 

Sincerely, XXXX Chase Credit Card XXXX XXXX XXXX XXXX Fax ; its free from any Chase branch Chase.com Reference Number : XXXX Exhibit ( c ) : - Screenshot that will be in uploads cuz didnt allow me to paste it. '' Ok, with all the notices i gave the chance to cure and stuck by the law. I am giving Chase a chance here to work something out with me where it will save us both time and is only fair really. If i have to enforce this default and waste more time and energy which it is still causing me harm/damages then i will. I am not a average customer that you can violate my rights and others that protect me. And benefit off of me when i am the beneficiary of the account that was opened in which the securities were generated from. So, I hope you take this serious and we work something out. I never gift nor abandon any securities that are mine. You have discriminated against me and violated other laws as well in which you agreed on in the tacit agreement. You know i have abided by the law. I have all the evidence to prove it as well. I will be attaching the adverse action Chase sent me as well for evidence. I made this longer than i even wanted to. I hope you take this matter serious and know that i will have to take the legal actions if you do not get back to me in lets say .... XXXX within receipt of this notice. Which is sent in right away when i submit it. I hope we can work something out and you dont continue harming and taking time/energy from me. It mentally strains me as well. I would like to have a good relationship in any future business we XXXX conduct if we can figure this out. In which we both should be able to benefit from this if it dont have to go further than this. Once again, i only want to be contacted by mail only. But i will be looking for your response to this. If you want to negotiate i will give you consent to email me at the email provided by CFPB. I wish it didnt come to this. thanks for you time. Note : i will upload a document from them it says date XX/XX/XXXX. If you look in the XXXX row down which i will highlight, it says i applied for application on XX/XX/XXXX and it was denied. So, there is no application to return to you ( me ). Then, it says on XX/XX/XXXX it was reconsidered and approved. Chase that makes no since. if there was no application ( which we both know there is ), then how did you reconsider it after telling me that. I just wanted to add that too. i will upload it. even says couple other false or deceptive things. -- -- -- -- - IT WOULDNT LET ME UPLOAD THE RECORDED PHONE CALL FROM CHASE XXXX XXXX XXXX THEY DISRESPECTED MY WISHES KNOWING THERE WOULD BE LEGAL CONSEQUENCES ( because it was over XXXX ). The details tho are XX/XX/XXXX at XXXX eastern, call went for XXXX mins XXXX sec XXXX I do have the recording and will subpoena it if it comes to that.