Consumer complaint received 2026-06-08 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: LA

Complaint narrative:
XX/XX/year> - Opened a request for the Chase Sapphire XXXX XX/XX/year> - Denied immediately online XX/XX/year>- Visited the local chase bank near me, to ask for details. They were told the denial was due to : 1 ) lack of funds 2 ) lack of accounts with similar credit balances I asked clearly what I can do for the card, since I am a new chase customer, I was not told this card required me to have a personal checking account directly opened with Chase. I was recommended to open an account and put {$500.00} in it by the reconsideration department, and that should be good. I did so at the bank, and we contacted reconsideration. Reconsideration then told me they can't prove I can afford a card with a {$5000.00} limit, and it is being denied again. I asked how I can prove that, if they'll take my a checkstub, or what needs to happen for proof of income. I was told funding the account more would probably be enough. I deposited {$3500.00} into the newly created account at this point but was told I need to wait until the next week for their systems to reflect the finalized balance. At this point I have {$3500.00} of my funds tied up in 'proving ' i can afford a {$5000.00} limit credit card. XX/XX/year> - I go back to chase bank and talk with them about reconsideration again, and they contact someone else they work with on reconsideration after it came back denied again. I was asked if I can put my direct deposit into my new chase account for the next reconsideration attempt and I said sure. I set it up for direct deposit on my next paycheck XX/XX/year> - Direct deposit is made, account balance is now > {$13000.00}, chase calls me back and asks how things are going and tell them that I just saw my check get deposited into the account today. They tell me at this point they think the opportunity is closed because we've already been given a final no on reconsideration. Which this is the first time I heard about this. I assure the agent they must be mistaken because I was just told to make sure I have my direct deposit going into the account for another reconsideration attempt. They agree to try on Monday with the reconsideration team XX/XX/year> - Get a call from Chase about the reconsideration and was told it was not done because I was already given two reconsiderations. I inform them I am feeling like this is a bunch of hoops i'm jumping through with inconsistent and false information being given to me. I was never told there were only two attempts, i was never told there is a requirement for me to be an existing chase member, and I do not understand why I'm being given such a terrible run around. The reconsideration window was stated for 30 days, and I was told there is no harm in asking for a reconsideration, and was actually recommended to do reconsiderations when I wasn't sure if they should be done. Now I'm stuck with a hard pull, {$13000.00} of my money in a bank account I set up for them for this process, and i'm being asked to wait for the 30 day window to end and do ANOTHER hard pull for the same card. This feels like a bait and switch scam so they can have access to my funds for their own enrichment, not for any purpose of seeing if i can 'afford ' a card with a {$5000.00} limit.

Company response to consumer: Closed with explanation