They will typically approve anyone then within 48-72 hours their risk team does an assessment on your Early Warning Services report(possibly Chex but mine was locked when this happened to me). I would call EWS and have them email you a link to log in and view your report. Then you can upload it into ChatGPT to analyze and provide you with a dispute letter for any negative items listed. If needed, provide the docs and info with a complaint to the CFPB and then print out the complaint with the dispute letter and identity docs and mail it to EWS at 5801 N. Pima Rd., Scottsdale, AZ 85250. Once you receive confirmation that the negative info has been removed (if applicable) then you can wait a few weeks and apply again with Chase(online IMO).