Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX I received a letter from CHASE BANK reads as follow '' We recently reviewed your account and determined that we will be closing it on XXXX, XXXX, '' the letter said. " You XXXX close your account before the date we 've provided. 
Please accept our apologies for the inconvenience. 
We want you to have enough time to complete pending transactions and open anotheraccount at another bank. " AS SOON AS YOU CAN : *Cancel all automatic deposits that you have set up with employers, government agencies and other parties. 
*Cancel all automatic withdrawals that you have set up with merchants for payments, memberships and other parties. 
At Least 7 days before the account closes : *Stop depositing checks into your account. 
*Stop writing checks from your accountYou May chose to close your account before the date we 've provided. Your account agreement says that either of us may close your account at any time, without notice and without a reason. " If you have questions please call XXXX bank declined all ACH from this account within 7 days of sending me this letter and never waited the 30 days as their notice reads. 
2-Chase Bank has never gave me a reason to why they decided to close my account, I never had any banking issues. 
3- My only understanding from talking to the Chase Bank Manager at the time is " my national origin '' basically because of my religion and ethnicity no sugar coating. Chase Bank does n't want XXXX to bank with CHASE. When I called the number on the letter, a chase representative was very unprofessional and defensive. However, they still refuse to give me an explanation to why they close the accounts. 
4- Even though the bank can close any customers account they want, the bank operates and practice in the USA XXXX the XXXX law supersedes any entity laws or regulations, and bank activities are regulated by government agencies. 
These laws are listed on CHASE Website:5- XXXX XXXX XXXX The ECOA prohibits discrimination in any aspect of a credit transaction. The ECOA is not limited to consumer loans. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.The ECOA prohibits discrimination based on : Race or color ; Religion ; National origin ; Race discriminationThe Race Relations Act XXXX makes it unlawful to discriminate on the ground of race. It is unlawful to refuse a service, or to not give the same standard of service extended to others, on the grounds of race, color, nationality or ethnic origin. 
It is direct discrimination if a firm refuses to lend money because of the applicant 's racial origin. But indirect discrimination is also unlawful. It would, for example, be indirect discrimination where a lender refused to lend money on properties below a certain value - if such properties were located in an area that was largely populated by a particular racial group - unless the refusal was justified on non-racial grounds. 

Civil Rights Act of XXXX XXXX XXXX XXXX of XXXX provides that all persons " shall have the same right ... to make and enforce contracts ... and to the full and equal benefit of all laws and proceedings for the security of persons and property. '' As equal rights to purchase real and personal property is guaranteed by the Civil Rights Act, our policies and procedures must safeguard against racial discrimination in every step of the lending process. 
XXXX Think CHASE Bank Closed my account based on my RELIGION & RACE-ORIGIN.

Company response to consumer: Closed with explanation