Consumer complaint received 2024-08-11 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:
Amazon/JPMorgan Chase ( `` JPMC '' ), I applied for a Amazon Visa card in which by not approving me when i have 100 % payment history and owe no debt to JPMC, not to mention I have a preliminary hearing tomorrow in an arbitration claim that one of the reasons was issue just as this one. I am done playing games and sick of being harmed. As soon as I seen JPMC was the bank that was behind the Amazon card I made sure I took screenshots because i predicted this would happen. I was buying a new phone and accessories in which i was going to get I believe it was like 40 % of my full purchase. Of course, JPMC sends me an identity theft report claiming thats why it was denied and not approved. Knowing, that I have already had to issue a default to JPMC for a reason similar and not providing me requested documentation which was abiding by the law. I am writing this regarding that Amazon credit card application which in my belief was an strategic action, thinking they can have an argument after denying me ( and yes, denied, i was not approved and I am attaching harm caused ) if they send me an Identity theft protection notice, reference number on the identity theft notice ( XXXX ). Knowing they had no reason what so ever to think identity theft. I have much more evidence in my XXXX arbitration claim that just strengthens my claim and this because of all the wrongdoing they keep doing and how it adds up there is no denying it. So, that application I submitted electronically on or around XX/XX/2024, which has been denied, trying to be masked by that Identity theft notice. From my application which was not approved, and me continuously being harmed, I am requesting the immediate return of any deposits or securities related to this application. 
As no specific information was provided regarding the amount of the deposit or the terms for its return at the time of the denial, I hereby request a full accounting and prompt refund of all such funds. This request is made pursuant to applicable laws, including the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and the Truth in Lending Act ( 15 USC 1601 et seq. ), which govern such transactions. 
Please provide a detailed statement showing the total amount to be refunded, including any interest accrued. This will ensure the refund is complete and accurate. I expect this matter to be resolved promptly and request that the funds be returned within 10 business upon receipt of this complaint. 
Should there be any delay in processing this refund, I will take the legal actions that is needed. I will mention this at my arbitration preliminary hearing. Giving them notice of this issue as it will be an exhibit regardless. But, I am requesting for the immediate return of any deposit or securities held in relation to this application. Failure to address this request within the 10 days will compel me to make another claim to retrieve my funds. Even though I am beyond stressed and frustrated and sick of being violated. I do thank you for your immediate attention to this matter. I look forward to your prompt response and the satisfactory resolution of my request. 
Respectfully Submitted, XXXX

Company response to consumer: Closed with explanation