Consumer complaint received 2024-12-18 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:
I am writing to express my profound dissatisfaction with the handling of my recent credit applications and the treatment I have received during this process. My intention is to file a formal appeal and request a thorough review of my case, which I believe has been improperly and potentially discriminatorily managed.

Case Context : I have submitted a total of four applications for a credit account with Chase. On the first XXXX  occasions, I contacted the bank by phone to validate my identity as part of the verification process. During these calls, I was treated disrespectfully by some representatives. 

To ensure that my identity was correctly validated, I went to the nearest Chase branch and filed an official complaint about the treatment I received. Subsequently, a bank representative contacted me to discuss my complaint and then connected me to the Application Consideration Department, where I validated my identity again.

Despite these measures, my applications have been repeatedly denied on the grounds that I have not validated my identity, which is incorrect. It is worth noting that the Freedom Rise card only requires a direct deposit of {$250.00} or more, and I meet this requirement by having my direct deposit set up with Chase, transferring all my funds to this institution. In my latest application, submitted directly at the branch, my identity was validated again before applying, yet it was still rejected for the same reason. 

This process, in addition to being inconsistent, has damaged my credit since each application results in a review of my credit history. 

Identified Issues : Lack of internal communication : Information about my identity validation has not been properly recorded or shared between Chase departments, leading to unfounded and contradictory rejections. 

Damage to my credit history : XXXX credit inquiries in such a short time are detrimental to my credit score, negatively affecting my ability to obtain credit in the future.

Possible discrimination and retaliation : I believe that my initial complaint has negatively influenced how my subsequent applications have been handled. This could constitute a violation of the Equal Credit Opportunity Act, which prohibits any form of discrimination against credit applicants. 

Violation of the Fair Credit Reporting Act : This law grants consumers the right to dispute incorrect information in their credit reports. The reason provided for the denial of my applications is inaccurate and, therefore, damages my financial reputation.

Formal Request : Conduct a thorough internal review of my case, including all identity validations performed both by phone and in person at the branch.

Provide a detailed and documented explanation of the specific reasons why my applications were denied, considering that I have validated my identity multiple times.

Remove the credit inquiries associated with my previous applications, as these are the result of an error in the internal handling of the case and do not fairly reflect my financial responsibility. 

Ensure that my case is treated impartially and in compliance with applicable laws, including the Equal Credit Opportunity Act and the Fair Credit Reporting Act. 

Issue a formal apology for the disrespectful treatment received from some representatives and for the inconsistencies in handling my case. 

Chase Bank was recommended by close family members as a responsible and trustworthy institution. However, this experience has left a negative impression and casts doubt on the seriousness of your commitment to customers. I hope my appeal is taken seriously and corrective measures are implemented. 

I look forward to your prompt response. I am willing to provide any additional documentation necessary to resolve this matter fairly and equitably.

Company response to consumer: Closed with explanation