Originally Posted by
garykung
Actually no. Everything you said makes perfect sense. However, there is no obligation that Chase must fix the mistake.
If you even go further, Chase may have broken its own agreement and even ECOA. The problem is what kind of injuries has suffered in term of this denial of credit? Other than any unused portion of the AF, really not that much. In OP is able to obtain another Sapphire Card if the application turns out approved, OP's case will be even weaker.
Call it bad CS or something else, it is a battle that is easy to win.
You know that very well the poster would not be able to get another Chase credit card or even a Chase bank account due to "previously unsatisfactory relationship" when his card is closed by adverse action. This is enough damaging for potential future inconvenience should the poster ever need Chase service one way or the other when and if circumstances make sense.
While the poster has decided he would move on and asked what would be the best alternative, it does not mean he should not get this matter corrected when he is clearly wronged. On top of that, this may alert Chase enough that its algorithm has some serious shortcoming that needs to be fixed - by that action, many others would not run afoul when similar situation happens to them in the future.
I am not sure why you seem to be the only poster in this thread that keeps posting negative views on the poster's plight, include discouraging other posters posting their comments in both assistance and sympathy. Really quite odd a position to take. It just seems very odd.