Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (OH)

I previously filed a complaint ( Case number : XXXX XXXX for my denial of credit for the Chase Sapphire Reserve card. I am resubmitting the complaint after discovering a person with far greater number of credit cards opened in the past 24 months was denied for the same reason without further credit review ( " too many credit cards opened in the past 24 months '' ). However, this person contacted Chase and was subsequently reconsidered for credit and approved for the Chase Sapphire Reserve card when Chase actually reviewed his credit profile and credit worthiness. I also discovered this person who was subsequently approved is paid excessive commissions for referring sales to Chase. See XXXX for details and evidence of approval. 

Original complaint : On XXXX/XXXX/2016 when visiting the XXXX XXXX Chase branch, a Chase banker by the name of XXXX XXXX informed me I was preapproved for a Chase Sapphire Reserve credit card and asked me if I was interested in accepting the offer of credit. I said, yes, I was interested. He then began the process, and then walked away and came back a few minutes later after speaking to another employee. He informed me I was preapproved for the Chase Slate and Chase Freedom credit cards, not the Chase Sapphire Reserve card ; however, he told me since I was preapproved for both of the above credit cards, and based on our discussion of how much I travel, income, credit score, etc., that we could just put the regular application through for the Chase Sapphire Reserve card, and I should be " approved no problem '' given I was preapproved for the Chase Freedom and Chase Slate cards ; however, after submitting my info, he said my application was pending and he provided me a XXXX number to call to check the status. I called on XXXX/XXXX/2016, and I was informed that I was denied solely due to opening XXXX credit cards in the past 24 months, which the representative ( XXXX ) made a point to say was " excessive ''. I asked about my XXXX credit score, stellar credit history, payment history, etc. and he told me none of that mattered, and Chase was denying me simply because of opening XXXX credit cards over the last two years, regardless of whether those credit cards are still open or not. I asked for reconsideration, especially since I have worked for XXXX different banks over the past 2 years and it is common for senior employees to represent the bank by opening their employers credit cards, a practice known by even the president of Chase Card Services to do by holding every Chase credit card in his wallet, and that many of the XXXX cards he mentioned had been opened in 20-24 months ago. The reconsideration was refused, and stated it was a final decision, and no other review of credit worthiness to determine qualification for credit to be issued would be considered. I asked if this policy was applied across all of Chase 's customers, which I was told " yes ''. However, I then asked if this policy was also applied to applications by the Chase Card Services president when applying for " excessive '' number of credit cards within a 24 month period, and the rep would not confirm. I also asked if this same policy applied to Chase Private Client customers ( high net worth ), and I was provided an answer that stated the customer relationship in branches is different than the card services, so I explicitly asked Chase if they deny Chase Private Client customers ' credit card applications solely based on the number of credit cards the customer has opened in the past 24 months and not on credit worthiness, and I was told the policy to deny applications solely based on number of credit cards opened in the past 24 months does not apply to Chase Private Client customers.