Consumer complaint received 2021-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a checking and savings account with JP Morgan Chase Bank since XXXX. 

My credit scores are all over XXXX. 

On XX/XX/XXXX I noticed on the Chase App red letters stating that my Chase credit card account had been closed. I called the number on the back of the card to find out why. I spoke to a representative who told me that it had just been closed and it was a decision from the back office. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

On XX/XX/XXXX, I tried to pay something from my checking account from my Chase App and received a message stating that in order to pay a bill, I needed an active checking account. I called Chase and was told that my checking and savings account had been closed. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

I went to the Chase branch in XXXX and spoke to the branch manager. I beleive her name is XXXX. She called Chase to figure out what was going on and was told the same thing by the representative that I was. They could not see in there system the reason for the account closure. They told me that Chase would notify me in writing within 7-10 business days. To date, I have not received any communication for the reason the account was closed. 

XXXX asked the representative if she could pay me out my balances for both accounts. The rep told her that she could pay me out my checking account, but not my savings account. That it would take XXXX business days to close out the saving account and that they would overnight the check and I would have it by Wednesday, XX/XX/XXXX. 

I was paid out the balance of my checking account. On XX/XX/XXXX I checked the Chase App and my checking account was still open. I called XXXX and told her. She called Chase and was told that she could close out my account and get a cashier check. I went to the bank on XX/XX/XXXX and went to get the check. 

I was not given any notice that my accounts had been closed and was left with no funds or credit. I had mailed my maintenance check before all this and it bounced. I was charged a {$35.00} fee by my maintenance company. I also had bills charged directly to my credit card and they were also rejected. 

To date I have not received the letter of explanation as to why my accounts and credit card were closed. I have been a loyal customer for over 24 years and did not deserve to be treated this way and left stranded with no funds. Also XXXX and I were both provided incorrect information by the Chase representatives. 

I am also upset regarding the overall process. How could Chase just cut off access to all of my credit and funds without calling any notifying me. Then when I call I am told I will be notified within 7-10 business days in writing. It is over a month and I still have not received an explanation.

Company response to consumer: Closed with explanation