Consumer complaint received 2023-01-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account # XXXX  Account Number : XXXX | Routing Number : XXXX In XX/XX/2021, Chase Bank decided to lock and close my account with no email informing me of it. The very first Chase account I opened was back in XX/XX/2021. Right before this sudden closure, I unintentionally created a new Chase account while trying to redeem one of your offers for new customers. I believe that was what caused the closure, but I call customer service and they claim it was because my address at that time wasnt valid. I was staying on a college campus and used my dorm address. If this was the case, how was I ever able to open an account with yall in the first place? Your system waited a month later to figure my address wasnt quote-on-quote, valid? 

Account # XXXX  Account Number : XXXX | Routing Number : XXXX I create a new account in XXXX. Everything was back good again. Since yall forced me to provide a valid address, I tried one of my statements that had my home address on it. It worked and everything was good again. Everything was good until the week of XX/XX/XXXX, when yall closed my account again while I was on a trip to XXXX. Im from the mainland, and that was one of my major sources of funds. Because yall closed this account, it left me stranded basically no money to pay for anything. I had to use my credit cards to sustain myself for the rest of my trip, take out multiple cash advances and even then, it was nothing compared to what I had in my Chase account. I had no support of funds while being stranded in the middle of the ocean. I had to open a XXXX bank account just so I could get another one as soon as possible, as yall banned me from having accounts with yall again. Your agents never made it clear on why I was banned. They claim that this is a normal protocol for customers that impose risk. They claim that because I disputed too many charges, I somehow imposed too much risk. This is what you put a loyal customer through? A customer whose account yall close and lock several times while holding their funds XXXX and he still decides to do business with you. The irony is its actually the other way around : you were actually a liability to me shown by your reckless and senseless actions. Its clear that you are so money hungry and will do everything in your power to hurt the innocent customer. 

This is how you like to do business? This is the legacy of a company you want to build? The reputation of a company you want to sustain? This is how you treat your customers? The company I trusted, the company I let steal from me, take advantage of me, abuse me any type of way, and ultimately bans me from ever using their services again, putting a bad mark on my banking report. Denying me of service, I will be filing a lawsuit for discrimination. 

- XXXX XXXX Student Phone Number : XXXX Email : XXXX Residential : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Mailing : XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation