Consumer complaint received 2018-02-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a loyal U.S. Veteran Chase customer for over 5 years and have recently experienced discriminatory and biased treatment as a XXXX male and U.S. Veteran. 

On XX/XX/XXXX, we opened a claim regarding erroneous charges by 2 vendors : 1. RE : 3 - {$4.00} charges from an online XXXX XXXX 2. RE : 3 - XXXX for XXXX XXXX XXXX and was not aware I was being charged multiple times until XX/XX/XXXX after reaching out to vendor to inform him that I was unaware that I signed up for a membership because they started charging me in XX/XX/XXXX. My wife viewed their site in XX/XX/XXXX and did a 30day trial only and did not recall continuing the subscription. 

When we opened the 2 claims, the representative stated they could only reverse 3 charges in each instance since the remaining 3 were more than 60 days old. We completed the claims process and Chase stated they would reach out, if they needed additional information. Thus, they provided a temporary credit for 3 of the charges on XX/XX/XXXX. 

However, on XX/XX/XXXX, when I attempted to utilize my card, I was informed that they not only restricted my account, but closed the account! I believe this was maliciously done by the offshore team who took the claim on XX/XX/XXXX from my wife which I gave permission to speak on the account. She made the process long and drawn out when my wife begin to question her about the 60 day policy which we were not aware of. Also, this was our 1st claim raised in 2018. Therefore, we were very alarmed and distraught that XXXX closed my account after they provided the temporary credit on XXXX XXXX. Also, on Friday, XXXX XXXX a direct deposit from my XXXX XXXX XXXX payroll was deposited for {$2000.00} and when I attempted to utilize my card on Friday, XX/XX/XXXX for {$16.00}, my transaction was denied. In turn, I contacted the bank and was told my card had been restricted and was advised to go into a Chase Retail Bank to show my ID to get my card unblocked. When I arrived to Chase on XXXX XXXX XXXX on XX/XX/XXXX during the afternoon hours around XXXX/so, I was told by a representative that my account was closed. How could this be???? When I just spoke to an Offshore represenative who informed me otherwise. This was a " Bait & Switch '' discriminatory act because I was a XXXX male and had repeatedly informed them on XX/XX/XXXX that I was also a U.S. Veteran, and received no response from either representatives through several attempts. I was only informed they closed the account because there were too many claims on the account????? I only opened to legitimate claims this year in on XX/XX/XXXX and believe I was misled by the offfshore representatives who noted something on my account when I called in on XX/XX/XXXX to inquire about why I could not utilize my card. They transferred me to claims and stated that the restriction was relating to the claims department. In both instances, XX/XX/XXXX and XX/XX/XXXX I was dealing with offshore representatives and then asked to be transferred to management. By this time, my account had already been closed and the Manage in the US office said he could not help me because the account was already being processed to close. How could this be.????? Also, we were informed that we could not withdraw any money out of the account because it was in a closed status. However, when I called another representative on XX/XX/XXXX, they said you should be able to withdraw money out of the account. This was totally confusing and I believe this was strategically and intentionally done for an invalid reason regarding legitimate claims I raised on XX/XX/XXXX. 

In turn, I opened another account successfully online, and provided my SSN, Drivers license and other information to request a new account. The account was successfully opened, however, when I received the card and went into the bank, they said they just needed to verify my information to provide me with a pin, however, when I called, another overseas representative closed my account for no valid reasoning. I am being discriminated against and disinfranchised to have access to a Military/Premier Chase Checking account. Today, I experienced another deceptive and " bait & switch '' practice by Chase Bank. 

Out of all the years, I have been part of Chase Bank with constant loyal deposits and account activity, I have never been so humiliated and devalued as a human being. This discriminatory act was purposefully and strategically done by Chase Claims Representatives!

Company response to consumer: Closed with explanation