Consumer complaint received 2018-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear XXXX XXXX XXXX : We are responding to your complaints to the Consumer Financial Protection Bureau and to the Office of the Comptroller of the Currency about your closing checking account ending in XXXX. You are requesting an explanation for the closure and for all reporting to be removed. Thank you for sharing your concerns. 
We have previously responded to your concerns about our decision to close your account, which was in accordance with our Deposit Account Agreement. While we regret that you remain dissatisfied, our position remains the same. We have enclosed our previous responses addressing your concerns, for your reference. 

RESPONSE : RE NOTICE GUIDANCE ON GARNISHMENT OF EXEMPT FEDERAL BENEFIT FUNDS OCC DOCKET ID NO. XXXX FRB DOCKET NO. XXXX XXXX NO. XXXX XXXX ( NO DOCKET NUMBER ) CHASE POLICY FOR ACCOUNT THAT RECEIVES US TREASURY FUNDS VIA XXXX AS XXXX FUNDS ON DEPOSIT FOR DIRECT DEPOSIT ON A DEPOSIT ACCOUNT SERVICED BY CHASE BANK XXXX CHASE REPRESENTATIONS OF WE CAN CLOSE YOUR ACCOUNT AT ANYTIME FOR ANY REASON? AND AT ANYTIME IS FALSE. DUE TO THE ACCOUNT RECEIVED US TREASURY XXXX FUNDS AND THEREFORE WAS EXEMPT, IT ALSO IS PREEMPTED BY CALIFORNIA LAW AND FEDERAL LAW AND CHASE HAS TO BE IN CONFORMITY TO THE LAW. 

THE CLOSURE OF THE ACCOUNT WITHOUT COURT ORDER AND OR THE REASONABLE CONSIDERATION PROVIDED THAT ACTS AS AN EXPLANATION TO THE ACCUSATION BY CHASE CLOSING AN ACCOUNT BEFORE FREEZING AND ACCOUNT IS A DIRECT VIOLATION OF THE LAW GUIDANCE CONCERNING EXEMPTED ACCOUNTS. 

CHASE DID NOT SEND A NOTICE BEFORE CLOSING THE ACCOUNT. CHASE TELEPHONE BANKING CUSTOMER SERVICE WAS UNINFORMED AND COULD NOT AND WOULD NOT PROVIDED A REASON FOR ACCOUNT CLOSURE, PREVENTING A SELF DEFENSE. FURTHER HARM VIA CHASE EXECUTIVE OFFICE WAS AN ACCUSATION UNFOUNDED IN FRAUDULENT ACTIVITY THIS WAS PROVEN WITHOUT EVIDENCE. 

CHASE AT THAT TIME DID SLANDER AND THEN VIA LETTER LIBELED MY REPUTATION AND CREDIT WORTHINESS. 

THE CREDIT REPORTING IS FURTHERANCE OF DAMAGES AS CRA IS COMPLETELY VOLUNTARY. THE CRA AS A VENDOR BUSINESS OWNERSHIP FURTHER HAD OBLIGATIONS TO MANAGE THE VENDOR RELATIONSHIP AND TO BE INVOLVED IN INFORMATION THAT WOULD PREVENT AN AUTOMATIC NEGATIVE REPORTING. CHASE WITHOUT THE NEEDED NOTIFICATION OF ADVERSE ACTION BEING TAKEN AND FURTHER FRUSTRATED BY THE CLAIM WITHOUT PROOF AND FURTHER DAMAGE TO SELF DEFENSE WITH A 3RD PARTY VENDOR. CHASE FRAUD JUDGEMENT, CHASE CONDUCTED NO INVESTIGATION AND WAS AWARE OF THE QUESTIONABLE NATURE OF THE EVIDENCE AND ACCUSATION AND WITHOUT CONSULT AFTER I HAD PROTESTED. 

CHASE HAD ALREADY PROCESSED THE CLOSURE AND THE CREDIT REPORTING WITHOUT NOTIFICATION. 


THE ACCOUNT EXEMPT FUNDS AND THE ACCOUNT IT RELATES TO IS NOT SUBJECT TO COURT ORDERED GARNISHMENT AND OR LEVY ORDERS AS WELL ANY OTHER ENFORCEMENT ACTION OR COURT ORDER. 

CHASE CAN NOT CLOSE ACCOUNT WITH CLAIMS THAT HAVE NO PROOF, WITHOUT EXPLANATION, AND WITHOUT THE ABILITY TO A SELF DEFENSE AND BY CLAIM OF A DEPOSIT AGREEMENT THAT DOES NOT PROVIDE THE REQUIRED SERVICES AND TERMS THE ACCOUNT STATEMENTS AND THE CLOSING BALANCE REFLECT A XXXX BALANCE. THERE IS CHARGE OFF OF XXXX PROCESSED ON XX/XX/XXXX WITHOUT COLLECTIONS OR ANY ACTIVITIES TO WARRANT A CHARGE OFF. Y CHASE THEN BILLED THE CHARGE OFF IN XX/XX/XXXX FOR THE SAME AMOUNT YOU CLAIMED AS A CHARGE OFF FOR XXXX, XXXX. WHICH IS AN ACCOUNTING IMPOSSIBILITY AND A VIOLATION OF SEC REQUIREMENTS AS WELL AS UDAPP. 

CHASE PROVIDED TWO BANK STATEMENTS XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A CHASE BRANCH BALANCE SLIP IN XX/XX/XXXX ALL SHOW THE SAME BALANCE AS XXXX WITH NO MONEY OWED TO CHASE. 

A BALANCE OWED IN XXXX HAS NOTHING TO DO WITH THE CURRENT VIOLATIONS THAT CHASE HAS COMMITTED, PLEASE DO SEND ME A FULL ACCOUNTING AND BILL FOR THIS CHARGE OFF. IS THE STATUTE OF LIMITATIONS VALID FOR THIS CLAIM THAT YOU JUST DISCOVERED? IF NOT IT IS NOT MATERIAL TO A RESPONSE OF THE CFPB. 

IT IS A SEEMINGLY OBFUSCATION OF FACTS IN ORDER DIFFUSE THE INFORMATION THAT CHASE HAS PROVIDED. 

CHASE REPRESENTATIONS ARE MATERIAL BECAUSE THEY AFFECT MY CHOICE OF CONDUCT REGARDING HOW TO RESPOND TO A FRAUDULENT ACCUSATION OR NEGATIVE CREDIT REPORTING AND WERE LIKELY TO MISLEAD MY ACTING REASONABLY UNDER THE CIRCUMSTANCES. 

THUS CHASE REPRESENTATIONS CONSTITUTE DECEPTIVE ACTS OR PRACTICES IN VIOLATION SECTIONS 1031 ( A ) AND 1036 ( A ) ( 1 ) ( B ) OF THE CFPA, 12 U.S.C. SS 5331 ( A ), 5531 ( A ) ( 1 ) ( B ) THE YOU CLOSED THE ACCOUNT ON XX/XX/XXXX, THE ACCOUNT WAS REOPENED FOR A TREASURY DEPOSIT ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX. THERE WAS AGAIN NO BALANCE DUE WHEN THE ACCOUNT WAS CLOSED, THERE WAS NO BALANCE DUE ON EITHER OF CHASE BANK STATEMENTS. THERE WAS NO BALANCE DUE AS I WENT TO THE CHASE BANK BRANCH TO PAY THE NEW BILL FOR XXXX. THAT CHASE CREATED A BILL AFTER THE CHARGE OFF AND THE BANK STATEMENTS THAT ALSO SHOW A XXXX BALANCE I HAD THE BRANCH PRODUCE A RECEIPT IN XX/XX/XXXX ALSO SHOWING A XXXX BALANCE. PRODUCTION OF DOCUMENTS THAT ARE FRAUDULENT IN CREATION WITH THE ATTEMPT TO MISLEAD IS A FACTOR THAT CHASE HAS HAD FINES AND CONSENT ORDERS PLACED UPON BY REGULATORY ACTION TO ADDRESS AND PREVENT THESE ISSUES. CHASE RESPONSES ARE WITHOUT EVIDENCE AND THE INTENTION AGAIN IS TO MISLEAD, BLAME THE CONSUMER, WITHOUT SOLVE OR CURE TO HARM. SINCE THERE IS NO OFFER AS I PREVIOUSLY ADDRESSED IN A DEMAND LETTER. I WILL FILE SUIT ON XX/XX/XXXX AT THE CALIFORNIA SUPREME COURT IN XXXX XXXX I WILL SEND THIS TO THE EXECUTIVE OFFICE IN OHIO AND NOTIFY YOUR LEGAL SERVICE OF PROCESS IN CALIFORNIA. 




Prior to your account being closed on XX/XX/XXXX, your account balance was overdrawn {$39.00}. 
We confirmed that this balance was paid in full on XX/XX/XXXX. We also confirmed that there is a balance owed of {$290.00} on your account ending in XXXX, which was closed and charged-off on XX/XX/XXXX. We are no longer actively collecting on this balance so were unable to offer any settlements or payment arrangements. However, you can make voluntary payments towards the amount at your local branch or by mail to the following address : Chase Bank Attn : XXXX XXXX XXXX Mail Code # XXXX XXXX XXXX XXXX XXXX, OH XXXX In our previous response dated XX/XX/XXXX, we confirmed that we sent a request to XXXX   XXXX XXXX  ( XXXX ) to remove the reporting and asked that you allow up to 30 days for their records to be updated. 
While our request was successfully submitted, were unable to confirm why the reporting was not removed. Were sorry for any inconvenience this caused. We submitted a second request to XXXX on XX/XX/XXXX, and we received confirmation from them on XX/XX/XXXX, that the reporting was deleted. 
XXXX also enclosed a copy of the removal request confirmation for your review. 
Thank you for contacting us. If you have questions, please call us at XXXX. Our office hours are Monday through Friday from XXXX a.m. to XXXX p.m. and Saturday from XXXX a.m. to XXXX p.m. XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX TTY XXXX Fax ( Free of charge from any Chase branch )

Company response to consumer: Closed with explanation