Consumer complaint received 2026-05-29 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: FL

Complaint narrative:
CFPB Complaint New Evidence / ECOA and Regulation B Concern Company : JPMorgan Chase Bank, N.A. Prior CFPB Complaint : XXXX Executive Office Reference : XXXX Product : Credit card application Issue : Possible disparate treatment and inconsistent documentation practices involving a non-U.S. citizen applicant Complaint Narrative I am filing this complaint because JPMorgan Chase Bank, N.A . has provided additional written information after my prior CFPB complaint, and that information raises further concerns regarding the handling of my credit card application and the documentation requirements imposed on me as a non-U.S. citizen. My prior CFPB complaint, number XXXX, concerned my XX/XX/year> in-branch application for a Chase Freedom credit card at the XXXX XXXX branch in XXXX , Washington. In Chases prior CFPB response, Chase stated that the application was reviewed under standard procedures and that the application XXXX did not indicate that additional documentation or verification was requested. However, in the same response, Chase acknowledged that during the branch visit I provided my U.S. Employment Authorization Document and passport, that the banker requested my drivers license, and that my Social Security card was also requested. Chase further stated that four identification documents were recommended to be scanned in order to prevent possible issues or delays. This creates a serious inconsistency. Chase can not fairly claim that no additional documentation or verification was requested while also acknowledging that multiple high-level identity and immigration-related documents were requested and scanned during the same application process. After that CFPB complaint was closed, Chases Executive Office issued another written response dated XX/XX/year>, reference XXXX, again explaining that additional documentation was requested because I was a non-U.S. citizen, because my XXXX did not show my current U.S. address , and because my Social Security number was not on file. I understand that Chase has the right to verify identity, comply with banking requirements, and confirm information needed for a credit application. My complaint is not about lawful identity verification. My complaint is that Chases own written responses show that my non-U.S. citizenship status triggered a more burdensome documentation process connected to a credit application, while Chase has not provided a clear, consistent, and specific explanation showing that this process was applied equally to similarly situated U.S. citizen applicants. Chase has also failed to explain whether the additional documentation process delayed, discouraged, affected, or contributed to the denial or adverse handling of my credit card application. Chases explanation focuses on identity verification, but it does not answer the core fair-lending concern : whether I was subjected to a materially different process because of my citizenship or immigration-related status. This is particularly concerning because Chases earlier CFPB response relied on credit-related reasons for the denial, including alleged high credit usage, overdraft history, limited credit experience, and high balances. Yet during the actual branch application process, the focus was heavily placed on documentation and verification tied to my non-U.S. citizen status. Chase has never provided a complete explanation reconciling these two issues. I respectfully request CFPB review because Chases responses appear internally inconsistent and raise concerns under the Equal Credit Opportunity Act and Regulation B regarding whether my credit application was handled fairly, consistently, and without unlawful disparate treatment. Monetary Compensation Request I am also requesting monetary compensation for the harm caused by Chases handling of this credit application. My request is based on Chases inconsistent written explanations, the additional documentation burden imposed during the in-branch credit application process, the hard credit inquiry generated from a process I believe was not handled fairly or consistently, the time and administrative burden required to pursue clarification, and the distress caused by what appears to be materially different treatment tied to my non-U.S. citizen status. I understand that the CFPB complaint process is not a court proceeding. However, the Equal Credit Opportunity Act provides for actual damages and, in appropriate cases, punitive damages against a creditor that fails to comply with ECOA requirements. For individual claims, punitive damages may be available up to {$10000.00} under 15 U.S.C. 1691e. For that reason, I request that Chase provide monetary compensation in an amount up to {$10000.00}, or another fair settlement amount, to resolve the harm caused by the inconsistent and potentially discriminatory handling of my application. This compensation request is separate from, and in addition to, my request for a neutral manual review, inquiry removal, written explanation, and corrective action.

Company response to consumer: Closed with explanation