Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I attempted to update the Chase United Credit Card in my e-wallet and a notification populated stating that the card is not active. I then immediately reached out to card services and they informed me that the account has been closed ( no communication was sent prior to this action ). Due to the time of day the office that handles account closures was closed and I was told to call a specific line the following day. 

On XX/XX/XXXX, I received a notice in my Chase app box that informed of the account closure ( see attached ). The two reasons were increase in revolving credit spend, and a rejected payment. Below is insight into each item stipulated : +Increase in Revolving Credit Spend : Prior to applying and getting approved for this card I had one credit card since XXXX and many years of zero credit usage. It was an emergency card I received with a {$1000.00} limit from XXXX. I obtained status with United and the airline partnered with Chase to provide a lucrative incentive for first time card holders of XXXX miles with a $ XXXX spend requirement within 3 months. I never had a need or desire to utilize credit, but this incentive combined with my travel job and loyalty to United was a great financial plan. I was approved for the card and given a $ XXXX limit. I made business purchases with the card including buying a XXXX XXXX ( {$1800.00} - see statements attached ). My intent was never to pay minimum balances but to the pay the statement balances entirely in effort to also increase my credit score beyond the XXXX I presently held. There was an error in XXXX purchase so you'll notice on the statements that ( 2 ) were purchased but one was returned but unfortunately it appears I had made $ XXXX in purchases at XXXX when in fact it was just the ( 1 ) XXXX purchase. I can provide bank statements if you would like to see how the credit purchases mirror my debit spending habits. Needless to say the justification from a Chase Internal Team Member was that the increase in spend was alarming regardless of the bank 's United Miles incentive time constricted promotion. The associate 's tone was condescending and never made me feel as if this decision was given the effort to understand transaction details, promotion timeline, and spend/payment trends. I relayed my payment and transaction history but these pivotal insights were completely disregarded as the representative was not going to assist me in my request to appeal this erroneous action from the bank that can harm my near perfect credit score that I have maintained for many years without credit usage.

+Rejected Payment : the second reason for my account closure was due to a returned payment for my first billing cycle. I had paid my statement balance of {$1500.00} plus an additional {$1400.00} ( ttl {$3000.00} ) on XX/XX/XXXX ( billing due date was XX/XX/XXXX ). I noticed after 4 days the payment did not withdraw from my XXXX XXXX XXXX checking account and called credit card services on XX/XX/XXXX to ask if there was any issue with the payment and they said the payment was returned for a banking error due to the Banking Routing Numbers on the account. I also have a Chase/XXXX car loan that utilizes the same account information and has been withdrawn from the same checking account, on time, since XX/XX/XXXX. After the representative informed me of the error I did not have to adjust the routing numbers for the account and made a second successful payment of {$3500.00} on XX/XX/XXXX ( billing due date was XX/XX/XXXX and minimum payment due was {$25.00} ). In order to increase my credit limit I had to call Chase and we had to conference XXXX  XXXX XXXX 's account services department in order to confirm receipt of the {$3500.00} payment. This call was completed on XXXX with a Chase rep and it took us 45 minutes to resolve. XXXX confirmed the payment was transacted and the Chase rep mentioned that for the first 4 months of the life of the credit card this step will need to be completed and she then immediately increased my available credit.

Company response to consumer: Closed with non-monetary relief