JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Customer service / Customer relations Washington

I applied for a Chase - credit card online some time last - or -, - i heard nothing from them. I called Chase around -, 2016 to ask what became of my application. Using a social security number check, they found no credit card application. It was n't until I contacted - that I learned that Chase had, in fact, put a hard hit on my credit report - yet had forgotten about it. After hours of being led from the credit card department to customer service to Fraud, they finally called - and confirmed what they had done. At this point, they explained that my application was no longer valid since 30 days had passed since they 'd allegedly sent me a letter asking for identity verification. No such letter ever arrived at the address they used ( that listed on my account ) since it was n't sent registered. I objected, saying they had no proof such a letter was sent. I wanted my application re-opened and they refused, but they would n't remove the hard hit. This thus paralyzed me financially ; I didn ' want to apply for a card elsewhere as it would mean


On - -, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated - -, 2016, says it 's a repeat of the letter allegedly sent to me in -, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both - - and - - to discuss this letter ; after 75 minutes ( mostly on hold ), the agent - - - - indicated the " matter '' needed to be " discussed '' amongst various groups and that they 'd get back to me via my email ( I 'm overseas on business now but they wo n't call my international phone number ). Chase has held me hostage to their business practice, - which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict, and up to now, they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many, many years, and they have access to my credit history in that respect, though they denied this fact when I suggested it ). In addition, I want - points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request, which has cost me hours of time online, not to mention lack of this card at the time when I really needed it.