Consumer complaint received 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for ( 2 ) auto loans through Chase. I was unilaterally denied.

The loan application itself, the process of applying for the loan, and the processing of the credit application are not XXXX compliant. There is no field, means, method, mode, process, or procedure to request an accommodation in the form of a modification to the handling and/or processing of the credit application to account for or due to XXXX and the practical effects of ones Disabilitys. Chases determination of creditworthiness is based solely on the credit score. That is their claimed protocol. Chase is subject to title III of the XXXX, the FCRA, the XXXX & the XXXX. Chase must allow for individuals with XXXX to supplement their application either on the credit application itself or on a supplementary form, with an accommodation request or modification request -due to XXXX. This request must be handled, preferably before the credit application is processed, or worst case scenario contemporaneous to the processing of the credit application, but I know case, subsequent to the processing of the loan application, which would result in an unnecessary credit inquiry. Chase must utilize alternative matrix to determine credit worthiness, including federally, guaranteed consistent, XXXX income, payment history on utility accounts, longer loan terms, lower down payments, and a manual review of the credit application- to expand access to Credit, particularly for underserved populations, including individuals with XXXX. 

Chase is utilizing or imposing eligibility requirements, criteria, or methods of administration that have a desperate impact or affect on individuals, or on the class of individuals with XXXX, including myself. Chase is utilizing or imposing, rigid and inflexible, lending policies, procedures, practices or protocols, which bases approval solely on credit, and has a significant greater impact on individuals with XXXX of which I am a member. 

Individuals with XXXX may experience gaps in employment, significant medical expenses, limited income, earning capacity, and other undesirable XXXX related circumstances and consequently, ultimately lower credit scores. These circumstances are beyond their control. 

Chase is current methods of evaluation, systemically exclude individuals with XXXX from participating in and benefiting from the auto loan services that Chase offers to the public. 

Chase is imposing, Utilizing or applying eligibility requirements, criteria, or methods of administration, that screen now, 10 to screen out, or have the effect of screening out an individual with a XXXX, or any class of individuals with XXXX from readily, fully, equally, and/or independently, enjoying the goods services, activities, privileges, advantages, or accommodations of auto loans. 

Chase replied stating that they are applying the same protocols and eligibility criteria requirements and methods of administration to me as it has to others. My response was that is precisely the problem. Individuals with XXXX are entitled to preferential treatment in the form of accommodations or modifications to accommodate or account for the XXXX and the practical effects of the XXXX. Treating everyone equally is discriminatory when individuals with XXXX require preferential treatment in certain circumstances. 

Chase blatantly said that they were not obligated, nor would they modify their protocols regardless of the need to do so due to XXXX. 

This violates Title III of the ADA, the FCRA, the ECOA & the FDUTPA.

It is an unfair and/or unconscionable trade practice or act to refuse to make reasonable modifications to their ( Chases ) lending protocols, eligibility requirements, criteria, and/or methods of administration due to XXXX or to account for XXXX. Chases use of rigid credit criteria unfairly and unconscionably excludes, certain populations, namely individuals with XXXX, including myself. 

I am not required to engage in futile gestures If Chase has noticed me that they dont intend to comply with the XXXX XXXX I have been subjected to discrimination, and I reasonably believe that I will be subject to discrimination in the future. 

I have more information in the form of emails and audio recordings of the phone calls with Chase staff. Chase consented to the recording of the calls. I record my interactions due to XXXX. XXXX very tired and its too difficult for me to navigate during that now. I would be happy to compile the emails into one PDF. The audio recordings are quite lengthy and may or may not be necessary. Please allow me to at least forward the emails via a PDF attachment, subsequent to me submitting this complaint DUE TO XXXX. Please process this as a request for accommodation due to XXXX in accordance with title XXXX of the XXXX.

Company response to consumer: Closed with explanation