Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Phone : XXXX Email : XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX DC XXXX and JPMorgan Chase Bank, N.A. 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Subject : False Credit Card Preapproval, Unauthorized Credit Inquiry, and Breach of Represented Approval Terms Notice of Dispute and Request for CFPB Investigation I. Background and Summary On XX/XX/XXXX, I received multiple notifications via the Chase mobile app and email stating that I was already approved for several Chase credit cards, including the Chase Sapphire Reserve. The week prior, a Chase branch representative also confirmed verbally that I was approved and that I only needed to press Accept. 

At no pointin-app, by email, or in personwas I told that pressing Accept would ( a ) initiate a new credit application, ( b ) trigger a hard credit inquiry, or ( c ) remain subject to further underwriting. Relying on Chases representations of approval, I pressed Accept. I was then denied, and the same day a hard inquiry from JPMCB Card Services appeared on my credit report.

When I requested removal of the inquiryexplaining that the app, email, and a Chase branch rep had all stated I was already approvedChase refused.

II. Legal Basis Unfair or Deceptive Acts or Practices ( UDAP ) : The already approved messaging and in-branch confirmation, followed by denial, is deceptive under Section 5 of the FTC Act.

Fair Credit Reporting Act ( FCRA ) : If the offer was prescreened or represented as a firm approval, denial may violate 15 U.S.C. 1681m. Performing a hard inquiry without clear, informed consent implicates FCRA 604 ( a ).

Equal Credit Opportunity Act ( ECOA ) / Reg B : Adverse action requires proper notice with specific reasons ( 12 C.F.R. 1002.9 ). 

Breach of the Implied Covenant of Good Faith : Chases own approval representations induced reliance, then were reversed without disclosure. 

III. Arbitration Clause Reference ( Notice of Dispute ) This dispute falls under the Cardmember Agreements Dispute Resolution Arbitration Agreement ( commonly near the end of the agreement ). That clause covers any dispute, claim, or controversy arising out of or relating to your account, application, or any advertisements or solicitations relating to your account. 
Accordingly, this letter serves as my formal Notice of Dispute under that clause. I reserve all rights to initiate arbitration with XXXX or XXXX  if unresolved within 30 days of Chases receipt of this notice. 

IV. 

V. Evidence and Attachments ( to be included ) Screenshots of in-app already approved messages.

Chase email ( s ) confirming approval. 

Brief timeline of my branch visit and what the representative stated. 

Credit monitoring alert or report showing JPMCB Card Services hard inquiry dated XX/XX/XXXX. 

Any denial/adverse action notice received ( upon arrival ). 

VI. Conclusion Chases representations that I was already approved, followed by a denial and a hard inquiry without informed consent, constitute a bait-and-switch and an unfair/deceptive practice. I request prompt relief and a written response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation