Consumer complaint received 2026-02-16 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: CA

Complaint narrative:
Subject : Formal Complaint and Request for Investigation Chase Credit Card Account To Whom It May Concern, I am writing to formally request an investigation and written explanation regarding actions taken on my Chase credit card account that I believe may constitute unfair or discriminatory treatment.

I have maintained my account in good standing and have consistently paid my balance on time in accordance with the terms of my agreement. Despite my responsible payment history and creditworthiness, Chase has taken actions affecting my account that appear inconsistent with my financial profile and account performance. 

Specifically, I request a written explanation of the following : - Any adverse actions taken on my account, including but not limited to credit limit reductions, account restrictions, unfavorable changes in terms, or account closure - The specific reasons, criteria, and data used in making these decisions - Confirmation that all actions were taken in full compliance with the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and all applicable federal and state fair lending laws I am requesting that Chase conduct a thorough internal review of my account and provide a detailed written response explaining the basis for these actions. 
On XX/XX/year> Chase discriminatory policies are restricting my travel experience with XXXX XXXX as an XXXX XXXX. They are the only bank who can issue the XXXXXXXX XXXX XXXX and I am unable to get the card so am forced to pay for luggage that I check, can not earn bonus points on my travel and have none of the benefits offered with the XXXX card, even though I pay my bills and am clearly not a credit card risk. They told me I was turned down because I had opened too many cards in the past XXXX years. First of all, they mentioned cards that I have not opened in that timeframe, lowered my XXXX XXXX of XXXX due to multiple inquiries, and then declined my application. I have applied for both personal and business credit cards and in both instances over the past several months, had no response from Chase on the personal credit, and on the business credit they said because I do not have a business account, they can not evaluate me. That is completely untrue. They can see that I am credit worthy with an XXXX XXXX XXXX, having paid all of my cards on time for over XXXX years! They are simply discriminating based on my age, possibly my race and other discriminatory factors that only they know. 
I have XXXX other chase cards including a XXXX XXXX and a XXXX XXXX card. Surely they know I pay my bills on time given my excellent credit history with them and all of my other credit history. This is clearly discriminatory in nature. 
Please consider this correspondence a formal complaint and request for investigation. I expect a written response within XXXX days of receipt of this letter. 

My account information is as follows : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, ZIP : XXXX XXXXXXXX XXXX XXXXXXXX Email Address : XXXX Chase Account ( Last XXXX Digits ) : XXXX I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation