Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello CFPB. I hope your day is going well. I would like to get you help in a matter concerning Chase bank. 

On XX/XX/18 Chase Bank closed all of my credit card accounts without warning. I noticed that the accounts were closed when I logged in to the website. I called in on Friday XX/XX/18 to see what was going on and the agent said that I was a high risk customer. I told that the risk analysis department had closed my accounts without any warning. I was totally surprised by what the agent was saying. On XX/XX/18, I spoke to XXXX, an account supervisor in the Lending department. I wanted to appeal my case. I asked with sincerity what I could do to make things right with Chase. I was willing to work things out with Chase and reestablish a good relationship. XXXX was rude and evasive the entire phone call. She was interrogating me and was very accusatory the entire call. She was not willing to consider anything I said, it was like talking to a robot. I could not get straight answers to my questions from her, it was like a pre-recording on an IVR. She kept saying I was a high risk. I asked what I was a risk of. She did not answer the question. I still dont know what I am a risk of to Chase. She said there was nothing she would do about my closed accounts. She actually hung up on me when I was being respectful and cordial with her the whole time. I was perplexed, what did I do so wrong to be treated so shabbily by Chase? I want the Chase executive team to review and listen to the recorded phone call that I had with XXXX. Is this how you treat your customers and human beings in general? It was shameful for her to speak the way she did. XXXX XXXX needs some training on how to interact with people. 
I dont agree that I am a high risk customer. I have never defaulted or missed a payment with Chase or any other bank. I never carry a high balance on any credit card. I have never had a past due account nor been in collections ; I pay all of my bills in a timely manner. I have never had a late payment to any credit card company nor bank. I have no debt, I have a professional job. I have had only 4 Chase credit cards in the last 10 years ; therefore I am not an over-user of Chase credit cards. My spending history is in line with being the head of household for a family of 4. There is nothing unusual there. I have a spotless credit history and rarely even carry a balance on my credit cards. 
Chase had previously deemed me worthy for these credit cards and even sends me unsolicited offers in the mail for other Chase credit cards. 2 of the Chase cards I have come with annual fees ; that I paid. I applied for and received the Chase XXXX card ( {$75.00} fee ) because we are travelling to my sons United States National chess tournament in XXXX this Spring. We are staying at the XXXX XXXX XXXX in XXXX GA. I applied for the Chase XXXX ( {$50.00} fee ) card because we are visiting XXXX, CA in XX/XX/2018. While booking my trip on the XXXX website, a Chase XXXX credit card offer appeared on the screen. With the credit card, we get some benefits during the trip so I applied. This card was approved by Chase with a credit limit of {$15000.00}. I received it in the mail. When I went online to activate it, I saw that Chase closed all of my accounts. Perhaps they could have declined the XXXX card instead of taking the severe action to close all of my accounts and sever our relationship. 
Chase had given me high credit limits on my cards ( $ XXXX for one ) because I have outstanding credit scores. I had used less than 5 % of my total available credit with Chase. The attached credit score of XXXX was obtained directly from Chases website on XX/XX/18. That score puts me in the highest category of credit scores ( XXXX ), grade A. That should mean that I am not a risk to any lender. My clean credit report has 0 derogatory accounts. 
I recently closed several credit card accounts that were opened with other companies. They had sent me unsolicited credit card offers in the mail due to my excellent credit rating. Those closings may not have shown up yet on my credit report when Chase took its action against me. Those accounts were opened just in case funds were needed due to a life changing medical problem of a family member. It turned out that the funds were not needed, therefore I closed those accounts. I do not plan on opening up more credit card accounts in XX/XX/XXXX 
This severe action by Chase will severely negatively impact my credit profile and financial well being. I feel that Chases decision to close my accounts was made in haste and rushed. Probably because I applied for the XXXX credit card. I would like to request that my accounts be reopened by Chase, the XXXX card can be denied if thats what it takes. I want to be on good terms with Chase. I am providing attachments and all Chase letters concerning this complaint. 
Attachments : - My Chase credit score - Chase closed account 1 - Chase closed account 2 - Chase closed account 3 - Letters from Chase about closing my accounts Thank you CFPB. 
Sincerely, Chase credit card customer

Company response to consumer: Closed with explanation