topic Re: Chase ghosting? in Credit Card Applications

Chase ghosting?

Swatch — Sat, 20 Jan 2024 19:49:45 GMT

I burned Chase about 12-13 years ago and never paid them. I applied for the Disney card 1-2 years ago and got denied. Now I have good credit again, around 720 scores. Never had BK.

I was preapproved for the Chase Amazon card, so I submitted an app. They asked me to submit proof of address and identity. I submitted promptly and checked soon after and it said they had my uploads.

After about a month, I checked and their site still showed they had my uploaded proof. After a couple more weeks not hearing from them, I called and their system said there was no application in my name.

Chase never called or wrote me other than the one time to ask for the proof. Do they completely ghost applicants sometimes? I was expecting at least a denial letter. They certainly have my correct mailing address, phone number, and email. I am curious if they ghost if someone is on the blacklist.

I banked with them for about 9 years, until about 4 months ago, but I didn't use the account very much.

Re: Chase ghosting?

Linnaea — Sun, 21 Jan 2024 03:04:38 GMT

I once applied not to long ago. They arm to have a glitch on their system. Did you see a hard pull on your credit. Around the holidays around Thanksgiving to pay Christmas there were hiccups.

Re: Chase ghosting?

FireMedic1 — Sun, 21 Jan 2024 15:28:34 GMT

Maybe go by a branch and they can see when it sits or isnt sitting.

Re: Chase ghosting?

Swatch — Mon, 22 Jan 2024 17:19:03 GMT

@Linnaea wrote:
I once applied not to long ago. They arm to have a glitch on their system. Did you see a hard pull on your credit. Around the holidays around Thanksgiving to pay Christmas there were hiccups.

Yes, unfortunately they pulled immediately when I submitted and then pulled another bureau after I uploaded proof, so 2 HPs. Probably for nothing.

Re: Chase ghosting?

NoMoreE46 — Mon, 22 Jan 2024 21:27:00 GMT

Have you moved since the Disney denial? Nonetheless, I would call to inquire on the Prime app.

@Swatch wrote:
@Linnaea wrote:
I once applied not to long ago. They arm to have a glitch on their system. Did you see a hard pull on your credit. Around the holidays around Thanksgiving to pay Christmas there were hiccups.
Yes, unfortunately they pulled immediately when I submitted and then pulled another bureau after I uploaded proof, so 2 HPs. Probably for nothing.

Re: Chase ghosting?

youngandcreditwrthy — Wed, 24 Jan 2024 04:25:38 GMT

did you have a fraud alert on your credit report at all?

I cant believe the garbage these banks get away with.

Re: Chase ghosting?

Swatch — Mon, 29 Jan 2024 06:18:25 GMT

@youngandcreditwrthy wrote:
did you have a fraud alert on your credit report at all?

I cant believe the garbage these banks get away with.

Nope and the info matches my reports.

Re: Chase ghosting?

Swatch — Mon, 29 Jan 2024 06:21:17 GMT

@NoMoreE46 wrote:
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Have you moved since the Disney denial? Nonetheless, I would call to inquire on the Prime app.

No, and they knew my address (and other details) since it didn't change while I had the checking account. None of it changed. I feel like they were just saying preapproved to more people than they were going to approve.

Re: Chase ghosting?

youngandcreditwrthy — Mon, 29 Jan 2024 16:45:06 GMT

@Swatch
I would try to dispute the inquiries. Those scammers at chase.

Re: Chase ghosting?

Swatch — Tue, 30 Jan 2024 06:48:19 GMT

@youngandcreditwrthy wrote:
@Swatch
I would try to dispute the inquiries. Those scammers at chase.

I wanted to, but then I searched. Found a thread saying that doesn't work anymore, for any reason... unless you show police report or similar proof of identity theft.

It seems like only 1 HP is showing up now, even though I got notified of the other HP. So that helps.

I was also wondering about opening a CFPB case, but Chase would probably just say that they did send me a letter? Or that they never got my uploads. It doesn't seem likely to improve my odds of a Chase card soon or in the future, and seems like it could hurt me for getting one in the future. Just guessing though.

Re: Chase ghosting?

CorpCrMgr1 — Wed, 31 Jan 2024 17:39:30 GMT

My thought is that your info was misdirected. I'd go into a branch and explain the steps you have taken. If you were turned down then that will be on record. If no official denial then I'd request a determination on if you were approved, without a hard pull. Good luck.

Re: Chase ghosting?

sznthescore — Wed, 31 Jan 2024 23:00:10 GMT

It's possible that there was a mishap, but I'm definitely ghosted by Chase. After all these years the feeling is mutual. Chase who? What is Chase.... 🤔🫠 lol

Re: Chase ghosting?

Swatch — Sat, 03 Feb 2024 03:17:58 GMT

@sznthescore wrote:
It's possible that there was a mishap, but I'm definitely ghosted by Chase. After all these years the feeling is mutual. Chase who? What is Chase.... 🤔🫠 lol

It's a good thing if you can just walk away from them.

I want to get some of their bonuses. But I don't know if I will risk more HPs in the future.

Re: Chase ghosting?

youngandcreditwrthy — Sat, 03 Feb 2024 18:22:12 GMT

@Swatch it wouldn't hurt you to report them to CFPB. I reported Amex and it didn't do anything to my relationship with them.

If they hard pulled your credit, but say they don't have an app and wont remove the inquiries, then you my friend have a case the CFPB could look into.

You could also call and explain this truth to the credit reporting agencies or even try to contact chase themselves. each bank has their own credit reporting department I think. Have never called them but Im sure you could find the number or have customer service tranfer you to them. I had this useless waste of hard pulls. it's indiscriminate and has a direct impact on your finances. should not be allowed.