Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a savings/checking account with Chase Bank . Account number, XXXX. 
On XX/XX/XXXX, I received an email from Chase : " Please tell us if you, or someone you authorized, used your Chase card ending in XXXX for : Declined Transaction XXXX XXXX {$440.00} XX/XX/XXXX '' I clicked no. My acct was immediately canceled. 

On or about XX/XX/XXXX I called Chase and asked them not to cancel my acct, I was told it would not be canceled and a new card was sent out on the XXXX and would arrive within 5 days from that date. 

My new card did not arrive until XXXX, XXXX. 

XX/XX/XXXX I walked into chase at XXXX XXXX XXXXXXXX, XXXX, and spoke with a woman who didn't grasp that, I acknowledged the fraudulent charge, but I did not want my card canceled because I had auto-pay bills, rent was due, and " can you please re-instate it. '' She said " call the number on thhe back of the card, I can not help you. '' I said what about him and pointed to a man who appeared angry with someone and identified himself as XXXX, the branch manager. XXXX, seemed incensed I had asked for his help and rudely asked, what don't you understand about " we can't help you? '' He told me to leave the bank. I walked back to the woman and said, I'm sorry, we seem to have gotten off on wrong footing, can you please give me another chance to explain my predicament? I explained, I need access to my account to pay my due bills today. I explained how I already called the number on the back of my card and they said my account was reactivated and the charge removed but, my card was not reactivated. She said, let me call the number. She put me on speaker and the person on the phone explained it wasn't just the one charge, but there were many more that they determined could not have come form me. I said, then by all means cancel my card. The representative then said sorry the new card wasn't sent, we will overnite a new one and you should have it tommorrow. 

Case closed? No. 

When I tried to use the new card on XX/XX/XXXX it was declined and I discovered all my credit cards had been canceled. I called Chase fraud immediately and was told the note on my account said I was " inapropriate with a customer. '' I asked what does that mean? I am the customer. She said, it seems the customer complaint was actually from an employee. Hah! I said, does it say that employee 's name is XXXX? She said she wasn't allowed to confirm that but then mumbled, " yes. '' She added there was no way to reactivate my cards. 

On XX/XX/XXXX I went into the Chase XXXX XXXX branch. I withdrew the last of checking XXXX XXXX. I filed an in house complaint with a female banking exec. I was told I would hear back from them in 3 days. I haven't - XX/XX/XXXX. 

This action has negatively impacted my credit and has resulted in late fees from auto-pay accounts not paid. How can one peevish, disgruntled employee have that kind of executive control to cancel a customer who has never been in arrears in six years? 

I want Chase Bank to allow me an appeal. I want them to alert the Credit Rating bureaus and have my credit restored. And I want an appology. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation