Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
This complaint is about Chase Bank shutting down my XXXX limit XXXX XXXX XXXX XXXX after trying to make a withdrawal and promptly responding to the fraud alert texts and emails only to be told my account is under review and someone would contact me within 7 to 10 business days. No one got in contact with me and when i called in to customer service I was asked 2 questions that did not apply to me at all but according to their public record but I was not familiar with the address that they asked how long i resided there for and they asked what year i bought or co signed a XXXX XXXX. Each time i tried to tell the rep that none of the multiple choice answers they are providing to me as the answers had any significance to me. Come to find out there isnt even any such thing as a car called a XXXX XXXX. So why was i asked these questions? Just so i would purposely fail the identity verification and throw my account into suspense and trigger the financial review so they can close the account? Thats not fair. Im XXXX XXXX XXXX and i suffer from XXXX, XXXX XXXX XXXX, XXXX and XXXX. This is only adding to my XXXX XXXX. I feel like i am being profiled as an easy target and the banks thinking i wont say anything. I applied for the XXXX XXXX XXXX   XXXX because of the amazing sign up bonus. I only just recently became a rewards enthusiast after my daughter got a free night at her favorite hotel with her rewards points. Ive been banking with chase since XXXX. I never carry a balance, i pay my annual fees, and never make a late payment. Ive been an ideal consumer with an XXXX XXXX XXXX. If Chase felt like they thought I was a high risk customer all of a sudden and that they were going to take action against my credit card accounts to reduce the risk to them, why not just reduce my credit limit instead of completely taking it away from me with no founded reason to do so and without comment or defense from me? Now my XXXX CRedit cArd is frozen and under review. No one has called or reached out to me yet. While reviewing my checking account i found several unauthorized transactions that took place at chase atms XX/XX/XXXX thru the XXXX of XXXX while XXXX XXXX XXXX   XXXX XXXX. I noticed my card was not in my wallet and that it was found in my top dresser drawer around XX/XX/XXXX. I just recently started using online banking. As I am reviewing my statements I am finding issues that I am afraid to even bring up because now im forced to file these disputes because someone spent alot of money out of my checking and savings accounts and now im forced to rely on the credit cards until we work this out but Chase is freezing and closing those accounts. What am i supposed to do? atleast reinstate my XXXX XXXX XXXX with a lower credit limit as im waiting on working with chase now with my checking and savings accounts that someone took the liberty of clearing out while XXXX XXXX XXXX  XXXX XXXX.. why wasnt chase red flagging those transactions whwn transfers were being made from my savings to my checking account when since XXXX they never saw any indication of binge money spending like this..what because its not their money but the credit cards are? this is unfair and i need some justice here.

Company response to consumer: Closed with monetary relief