Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB, I am filing this complaint because I am extremely dissatisfied and disappointed with JPMorgan Chase Banks handling of my recent credit card application. Despite my continuous efforts to improve my credit, build responsible financial habits, and maintain a stable financial standing, Chase has repeatedly denied my applications without offering a legitimate or reasonable explanation. 

This situation is not only frustrating but also disheartening. I have been working diligently to better my financial situation paying my bills on time, managing my existing obligations responsibly, and taking the right steps toward improving my creditworthiness. However, Chases repeated denials make it seem as if they are unwilling to give consumers who are genuinely trying to rebuild or establish credit a fair opportunity. 



Details of the Issue When I applied for a Chase credit card, I fully expected a fair and objective review of my application. Instead, I was met with a denial notice containing only vague and generic reasons. There was no specific explanation that reflected the true nature of my financial profile or provided me with actionable feedback. 

It feels as though Chases decision-making process is overly automated, rigid, and dismissive of applicants who are actively trying to recover from past financial setbacks. Their pattern of behavior suggests systemic bias against consumers who do not yet have perfect credit histories which, in effect, locks people like me out of the very tools ( credit cards, credit limits, payment history opportunities ) that could help us improve our credit standing. 

This creates a cycle that is difficult to escape. Chases unwillingness to extend even modest credit limits to individuals working to rebuild their credit only perpetuates inequality and discourages responsible financial growth. 



Consumer Harm and Broader Concerns I believe JPMorgan Chases conduct may reflect unfair, deceptive, or discriminatory lending practices in violation of the Equal Credit Opportunity Act ( ECOA ) and potentially the Fair Credit Reporting Act ( FCRA ). Denying applicants without transparent criteria or fair evaluation undermines public trust and disadvantages consumers who are striving to improve their financial stability.

It is unacceptable for a major national bank one that benefits from federal protections and serves millions of Americans to continuously reject applicants based on opaque or inconsistent reasoning. If Chase is systematically excluding or discouraging consumers with improving credit profiles, that behavior deserves regulatory scrutiny.

Furthermore, these repeated denials result in unnecessary credit inquiries that can negatively impact a persons credit score further worsening their financial position. In my case, I feel Chases repeated rejections have not only caused emotional distress but also tangible harm to my credit profile and financial progress.

Company response to consumer: Closed with explanation