Consumer complaint received 2018-01-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Date: XX/XX/XXXX. 

On or about Monday, XX/XX/XXXX I decided to open a checking and savings account with JP Morgan Chase Bank. I completed the account opening online at www.chase.com. 

After I was able to complete the verifying of my opening deposits, my checking and savings accounts where open. I went into the branch located on XXXX XXXX XXXX XXXX XXXX, La and spoke to the Branch Manager, XXXX XXXX. 

I informed XXXX XXXX that there was an issue in XX/XX/XXXX where I was add to my current roommate at the time accounts. According to Chase Bank record's I was joint on the account with my college roommate. I explained to XXXX XXXX that I have already spoke to many different people within Chase Bank and was informed that I did not own any money to this account or any other account with Chase Bank. I also informed her that the reason for my visit today is due to the fact that I wanted to do due diligence and make sure once more that this would not cause any issues with my new and current accounts with Chase Bank. 

XXXX XXXX informed me that she would reach out to Chase Bank to an undisclosed department and make sure that everything was "good to go" and that I would not run into any issues with my new and current accounts that I have with Chase Bank. 

After reaching out to an undisclosed department with Chase Bank. XXXX XXXX informed me that I "DID NOT" own and money to Chase Bank or its affiliates and that the account in question from XX/XX/XXXX was no longer being collected on by Chase Bank and that it would not affect my current relationship. 

Feeling better about the issue and at the time having a better understanding I felt confidant about being able to start making deposits into my accounts and being able to utilize them. 

On XX/XX/XXXX around XXXX CST I tried to login into my account via the mobile banking app provided my Chase Bank. I was informed that my account access was suspended and that I needed to contact (XXXX) XXXX and speak with the Support Line. After speaking to the Support Line, and not getting a reason to why my accounts where being suspended. I contacted XXXX XXXX back and informed her of the issues that I was having. She informed me that I would need to contact (XXXX) XXXX, Chase Bank Fraud Department and speak with someone in that department. 

I called and spoke with XXXX at Chase Bank Fraud Department and informed him of everything that was going on. After being placed on hold for sometime, XXXX XXXX informs me that "DUE TO PREVIOUS UNPAID BALANCES" Chase Bank has decided to close all my accounts. 

Enclosing, Chase Bank has not been transparent with it's customers, and provided inaccurate information to it's customers. I am asking that the CFPB and any other government agency please look into these types of matter. After doing some extensive research about these types of UNEXPLAINED" and "NO REASON" provide account closer by JP Morgan Chase Bank. I have found that there are plenty of reports about this kind of treatment towards Chase Bank consumers. 

XXXX XXXX XXXX XXXX
XX/XX/XXXX

Company response to consumer: Closed with explanation