Credit card -- Getting a credit card -- Complaint #8067894
Complaint Overview
Complaint ID: 8067894
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Illinois
ZIP Code: XXXXX
Date Received: 2023-12-27T12:00:00-05:00
Date Sent to Company: 2023-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied online for a Chase Sapphire Visa and received a letter telling me my application was declined for the reasons below, despite having a Chase Proprietary Score of XXXX ( XXXX is the highest possible score ) per the attached letter. I included additional detail on each item. I followed up with a call and an email asking for additional explanations and have not received any follow up from Chase. *Past or present delinquent credit obligations with Chase . ( This may have been the case 10+ years ago, but I had a Chase Marriott card for many years and had a perfect record and Chase also holds two mortgages for me with a perfect payment record. There are no delinquencies on my credit report currently. ) *Insufficient or no balance in Chase deposit and/or investment accounts. ( I do not do any banking or investing with Chase. I do not have any active accounts that appear online so there shouldn't be anything in negative standing and I could not find anything in the application materials making banking or investing with Chase a requirement for this account. ) *Length of time since newest credit card is open is too short ( This is legit, I had opened a XXXX XXXX recently before this but it is in good standing. ) *One or more requests for new credit in the past 12 months ( had the XXXX XXXX and a new car loan, but being declined for more than one request in 12 months seems excessive. )
Frequently Asked Questions
What is Complaint #8067894 about?
Complaint #8067894 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-12-27T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.