Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
State: NV
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:
So, Chase closed both of my credit card accounts because I was a few days late paying the total balance ( as I do every month ). They did not notify me, electronically or by mail, and there is no notation on the Chase Mobile App notifying these accounts were closed. They still allowed payments ( without notifying me that these accounts were closed ), they still charged me interest, still let me run statements still shows these cards as being available on my account, even though I can't actually use the credit cards since Chase so hastily closed my accounts, with ZERO notification. 

So, I went ahead and paid the entire amount of my credit cards, to bring my balances to {$0.00}, which was the result of 4 payments as seen below : 1. Chase Sapphire Reserve Credit Card ( XXXX XXXX XXXX XXXX ) a. XX/XX/XXXX : {$13000.00} b. XX/XX/XXXX : {$7600.00} 2. Chase Freedom Credit Card ( XXXX XXXX XXXX XXXX ) a. XX/XX/XXXX : {$5000.00} b. XX/XX/XXXX : {$10000.00} However, after I made these payments, a notation suddenly appeared, but only on the desktop site of Chase.com ( which I never use ), saying these credit card accounts had been closed. The entire reason I paid off the balances, was in order to use these cards again. So now, I paid off these balances and can not use my cards, and therefore, I have no money left. 

I consider this an " overpayment '', which means I paid more than the minimum payment required, since I would not have paid off these balances in their entirety had I been notified that my accounts were closed. I have spoken to Chase multiple times over the past three weeks, across several departments, over the course of several hours, trying to resolve this. All I asked was to have them reverse my most recent payments, minus the minimum amounts due, since I overpaid without knowing my accounts were closed. 

However, Chase Credit Card Services Department denied this request as did the Chase Payment Services Department and since I have my checking account with Chase as well, put in a request to dispute my payments from my checking account to my credit card since they were not valid, but was also denied. I have repeatedly asked for documentation of all these calls, decisions, documentation, etc. to review, but have been completely ignored and have received nothing. Chase didn't even have the courtesy to notify me when the decisions to deny my requests were made, thus forcing me to repeatedly call back for updates, wasting my time. Therefore, I can not offer more detailed information on this matter since Chase will not honor my requests for this information. 

I need this money returned for other immediate bills that must be paid, Chase failed to notify they closed my accounts and only closed my accounts " because they checked my FICO score and it had decreased '' ( never mind that II have paid off my credit card balances with Chase every month, for the past 7-8 years, before the due date ), will not honor my requests for documentation of decisions related to this issue and they refuse to return the money I paid towards my balances over the minimum amounts due. 

Please help me resolve this. I am now also currently unemployed and need all the liquid cash, which I paid towards these credit cards, to help keep me afloat until I can find new employment. This is a huge financial stressor and issue and could severely impact my financial and mental/emotional stability moving forward if they will not honor the return of my overpayments.

Company response to consumer: Closed with explanation