Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2015To Whom It May Concern : I applied for a Chase Freedom account in XXXX, 2015 and was approved with no issue. In fact, Chase requested and received my XXXX Credit file on XXXX/XXXX/15 and XXXX/XXXX/15. I applied for the Chase IHG card on XXXX/XXXX/15 Chase requested and received my XXXX Credit file and the account was approved. I applied for the XXXX XXXX card on XXXX/XXXX/15. Chase requested and received my XXXX Credit file and the account was approved. I applied for the Chase Amazon card XXXX/XXXX/15 Chase requested and received my XXXX Credit file and was approved. On XXXX/XXXX/15 Chase requested and received my Credit file again. 

I made charges on all accounts and paid the charges off in full and on time or before the due date. Then, on XXXX XXXX, 2015 I attempted to use my Chase Freedom card to make a purchase and it was declined. I called in and was asked questions about purchases that I had made and more questions to " verify my identity ''. My accounts remain frozen. I have asked repeatedly for an explanation and none has been given. The only statement that I have received is that the individual on the phone can not tell me but that the accounts are under " further review ''. I would like an explanation of what is going on. I have expressed a desire to receive something in writing regarding this issue and to date, nothing has been received. I have been promised calls back, and have not received them. 

I have contacted Chase repeatedly in an attempt to understand what information the company was unable to verify, if that is the issue. Each Chase representative basically stated the same thing every time. Unfortunately, no one within Chase has the ability to inform consumers of what issues have occurred. I contacted XXXX, XXXX and XXXX and verified that all my identifying information listed on my Chase application matched the information in my XXXX credit file. The information on my Chase applications were in compliance with Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application. 

Desired resolutionWhat do you think would be a fair resolution to your issue? 

I believe that Chase should and is required to make credit equally available to all consumers and because of this failure, I am requesting that Chase contact XXXX to remove the credit inquiries of XXXX/XXXX/14, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 and further, to delete these accounts from my credit report as Chase indicates that they are unable to verify my identifying information despite XXXX informing me that my credit file has the correct information listed. A statistical analysis of Chase applications for the Chase Freedom card will document that Chase has n't made credit equally available to consumers.

Company response to consumer: Closed with non-monetary relief