Refused new bank account by Chase with "Excellent" credit score about 950/1000

[mrscsmith]

I recently tried to open up an online Chase bank account.  I was shocked to see they had refused me.
I had got hold of my credit records everywhere and its all excellent - my score is almost at the top everywhere.

There are no warnings or markers anywhere, no court issues, no associate issues, no loans etc. etc.

After digging deeper all I can find was in 2019 I changed account and the direct debit going to HSBC was stopped so they had no payment for 4 months.  After finding out I phoned and paid all the arrears off in one go - it was a slip up on transferring banks. 

Every since then it has been fine.  HSBC have left the account as no payment received.

Could this be the reason I was refused a new bank account? 

Is it possible to get HSBC to say it was paid in full on the 5th month?

Worse thing was it was only a small payment that went each month.
Any advise please?  
Thank you

[dx100uk]

quite poss yes

paying it was a waste of money

markers are there for 6yrs regardless

 

dx

 

[mrscsmith]

Can I not get HSBC to change it from no payment to something else as they did get the money when I found out about it?   Cant believe that little slip up can harm me now to be refused a bank account, everything else has been perfect since. 

 

[dx100uk]

they cant change the markers

they are a true reflection of how you operated the account.

 

what about monza or alike 

 

 

[mrscsmith]

Are Monza or Alike easier to get - I dont want to apply if I get turned down again.   Dont want to stay with my bank for 3 years more as they are terrible.