Consumer complaint received 2017-09-14
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 CFPB, Thank you very for helping me regarding my checking account and credit card problem with Chase On XX/XX/XXXX, Chase had closed my checking account. As soon as I received the suspension notice letter, I contacted the given number in the letter, two personal bankers, and a branch manager to solve the problem. And I had been told that the decision is final, and Chase has the right to not to disclosure any additional information for this case. In addition, I did not receive any help from the safety department nor from the Chase headquarter. As suggested by one of the banker, I requested my record from XXXX. My record was clean, no negative marks and no fraud alerts. 

On XX/XX/XXXX, Chase has suspended my jointed account for the same unknown reason. 

On XX/XX/XXXX, Chase has closed two of my Chase credit cards, Amazon Prime Rewards Visa Signature Card and Chase Freedom. I applied and got approved for the Amazon Prime Card Credit from XXXX on XXXX XXXX. But I was not paying attention that this card is issued by Chase. Since I got approved, I thought Chase has either cleared my record or the credit application uses different secure measurements. On XXXX XXXX, I received a Chase Freedom Credit Card offer. So, I decided to apply for card which I also got approved. Nevertheless, both credit card accounts got closed on XX/XX/XXXX due to my checking account was suspended in XXXX. 

The credit card accounts are very important to me since they impacted my credit scores. I am in the process to improve my credit score. I want to buy a home for my family and XXXX XXXX daughter. But this Chase Credit Card problem has impacted my credit score dramatically. My scores from, XXXX XXXX from XXXX XXXX, and XXXX Score from XXXX XXXX Bank all dropped from 25 to 50 points since XXXX, XXXX. ( Please see attached file ) XXXX XXXX XXXX, I received the credit card closing notice in the mail. Immediately, I faxed the Chase Executive Office, emailed XXXX XXXX, Chairman and CEO of JPmorgan Chase & Co., and left a voice message for the Chase Executive Office to seek for a solution for this problem. 

On XXXX XXXX, I receive a call back from XXXX from XXXX XXXX XXXX Office. And I was told that he will try to help for credit card problem and to find out the reason of my checking account suspension back in XXXX, XXXX. But he also emphasized that Chase has the right to not to discourse any information to me. 


On XXXX XXXX, I called again and left a voice message. Then I received a call back from XXXX from XXXX XXXX the same day. I explained to XXXX again with the credit score problem, and I hope he can help me to connect with someone that can help me to solve the problem. And I was told that he forwarded my request to the banking department. 

On XXXX XXXX, I received copies of all the notices, letter, and account policy for my checking account and credit card accounts from XXXX to XXXX in the mail ( Please see attached file ). But in the response letter, page 7, second paragraph. They even had the wrong date,XX/XX/XXXX. 

On XXXX XXXX, I called XXXX again and left a message. No call backs. 

On XXXX XXXX, I called XXXX again and left a message. No call backs. 

Today, XX/XX/XXXX, I had no choice but to contact CFPB to solve this problem. 

To recap : 1. Before Chase closed my Checking account in XXXX, I never receive any calls nor letters from Chase. 
2. I had tried my best to solve the problem with Chase. But I did not receive any help from the safety department nor the headquarter. 
3. The credit card problem is impacting my life, buying a home for my family and new born daughter. 
4. In order to solve the credit card problem, I have to solve the checking account suspension. 

Sincerely,

Company response to consumer: Closed with explanation