Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a savings/checking account with Chase Bank XXXX Account number, XXXX. 
On XX/XX/XXXX, I received an email from Chase : " Please tell us if you, or someone you authorized, used your Chase card ending in XXXX for : Declined Transaction SITEGROUND HOSTING {$440.00} XX/XX/24 '' I clicked no. My acct was immediately canceled. 

On or about XX/XX/XXXX I called Chase and asked them not to cancel my acct, I was told it would not be canceled and a new card was sent out on the XXXX and would arrive in 5 days. 

A XX/XX/XXXX chase call claimed my new card sent XX/XX/XXXX I walked into chase at XXXX and XXXX, XXXX, and spoke with a woman who didn't grasp that I acknowledged the posiblity of fraudulent charge from a company I have a history with, but that I did not want my card canceled because I had auto-pay bills, rent was due, and can you please re-instate it. She said call the number on thhe back of the card, I can not help you. 

I said what about him and pointed to a frumpy man who appeared angry with someone and identified himself as XXXX, the branch manager. XXXX, who was doing nothing at the time, seemed incensed I had asked for his help and got very snippy and rude and said, she told you we can not help you. He then asked what did I not understand about " we can't help you? '' and told me to leave. I walked back to the woman and said, I'm sorry, we seem to have gotten off on wrong footing, can you please give me another chance to explain my predicament I need access to my account to pay my due bills today. I explained how I already called the number on the back of my card and they said my account was reactivated and the charge removed but, my card was not reactivated. She said, let me call the number. She put me on speaker and the person on the phone explained it wasn't just the XXXX charge, but there were many more that they determined could not have come form me. I said, MANY? Then by all means cancel my card. The representative then said sorry the new card wasn't sent, we will overnite a new one and you should have it tommorrow. 

XXXX closed? No. 

When I tried to use the card on XX/XX/XXXX it was declined and i discovered all my credit cards had been canceled. I called Chase fraud immediately and was told the note on mu acct. said I was " inapropriate with a customer. '' I asked what does that mean? I am their customer. Was I rude to someone in line? She said no, to an employee. Hah, I said, does it say that employee 's naame is XXXX? She wasn't allowed to confirm that but implied I was right. She added there was no way to reactivatee your cards. 

This action has negatively impacted my credit and has reulted in late fees from auto-pay accounts not paid. It's my understanding they can not deny me access to my account or cancel my credit cards without reason or warning or appeal. 

How dare this tantrumming little man, sitting in his cubicle like a silly lump of yesterday 's ..., staring into the vacuum of his phone, throwing hissy fits and canceling people- cancel me! 

I want Chase Bank held accounatble. I want them to alert the Credit Rating bureaus and have my credit restored. I want to appeal their decision. And I want an appology. 

THIS IS WRONG! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation