Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around XX/XX/year>, I applied for a Chase Sapphire XXXX XXXX credit card ( Application Reference Number : XXXX ). My application was denied, and I received an adverse action notice dated XX/XX/year>, from Chase Card Services. The notice cited the following reasons for denial : Too many requests or recent reviews of your consumer credit Credit usage is high Limited installment loan experience on consumer credit report Number of recently opened accounts on consumer credit report It also disclosed an XXXX  XXXX  credit score of XXXX, pulled on XX/XX/year>, with key factors affecting the score : Balances on revolving accounts are too high compared to credit limits ; Length of time accounts have been established ; Lack of recent installment loan information ; Too many inquiries in the last 12 months.

I believe this denial and the adverse action notice violate federal laws, including the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) and Regulation B ( 12 CFR 1002.9 ), as well as the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). Specifically : ECOA/Regulation B Violations : The reasons provided are overly vague and generic, failing to meet the requirement for " specific reasons '' in an adverse action notice. Regulation B mandates that creditors provide clear, detailed explanations that identify the precise factors used, such as specific accounts, balances, limits, dates, or underwriting thresholds. Generic phrases like " credit usage is high '' do not specify which accounts or ratios were considered, preventing me from understanding or addressing the issues. This lacks the transparency required by law ( see CFPB guidance and cases like XXXX v. XXXX XXXX XXXX XXXX ). 
FCRA Violations : The decision was based in part on my consumer report from XXXX. While the notice disclosed the score and some key factors, it did not identify which specific items or accounts in the report ( beyond the score factors ) influenced Chase 's internal credit decision. FCRA requires full disclosure of adverse information used and allows for re-evaluation upon dispute ( 15 U.S.C. 1681m ( a ) and 1681g ( g ) ). 

On XX/XX/year>, I sent a formal demand for reconsideration to Chase via certified mail ( addressed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), disputing the denial basis, requesting a compliant explanation, and demanding manual re-review and approval with a {$10000.00} - XXXX credit limit. I attached a copy of this letter and the original adverse action notice for your reference. 

My credit profile includes a XXXX  score of XXXX, which is within typical approval ranges for this product, stable income, and responsible credit management. I believe the denial may stem from non-compliant underwriting practices, and the vague notice hinders my ability to improve my credit or seek alternatives.

I have not been discriminated against on any prohibited basis ( e.g., race, age, etc. ), but the lack of specificity suggests potential uneven application of standards. This has caused me financial harm, including missed opportunities for credit utilization and rewards.

Please investigate these violations and require Chase to comply fully.

Company response to consumer: Closed with explanation