Consumer complaint received 2019-12-04
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:
The issue is in relation to chargebacks. In late XX/XX/2019 I filed complaint with chase against a company called XXXX XXXX because the RV had cold tires, the customer service is impossible to get a hold of, they were misleading in terms of not having a maintained RV which resulted in a very cold dark night. The van had so many unacceptable issues mechanically and non existent customer service. ( I can provide proof ). The problem is that XXXX XXXX. The problem is that this unscrupulous vendor not only had provided a Prosuct that is not only unacceptable, but more importantly unsafe with no actual means of customer service or assistance. 

Despite my better judgement, and because I knew I was risking Chase freezing my debit card as a result of any fraud report, I was so indignant about what we had to deal with that I actually called Chase to report the issue while in XXXX despite the fact that a I knew reporting it could potentially mean that Chase May want to close the associated debit card without the ability to provide me a replacement while abroad. 

Anyways. Despite the risk I may be without that debit card while overseas, I decided to proceed with the claim. I explained to the representative my situation and that I wanted all charges from XXXX XXXX  investigates because they did not provide a product as described or in all honesty safe. I explained I wanted them ALL investigated. 
-side note. Chase was aware of my travel plans and had very clearly asked them to note that not until my return would I address any issues on my account unless absolutely necessary. Unfortunately at the time I made the claim I was not aware that XXXX XXXX had broken up their van rental cost in to small but arbitrary multiple charges. Once I learned this I instructed the agent to dispute all from XXXX  XXXX  because they are unscrupulous at best, fraudulent at worst. 

After that I continued my vacation in XXXX using chase as my primary financial choice. During my 3 months of travels I used chase for somewhere in the ballpark of {$20000.00} in financial transactions, maybe more. ( 3 month period Late XXXX through late XXXX. ). 

Upon my return ( XXXX XXXX  ) I rested and began dealing with finances and other neglected things. One of these tasks included going through all the charges on my Chase Accounts ( 2 checking /one savings/1credit ) and balancing them, looking for fraud etc. 
Makes sense to review ones bills after ( AFTER ) a trip. 

Found some few things I did not recognize, and had a few items that I wanted Visa to help me with. The biggest of these was a XXXX charge from XXXX XXXX  and the reason being was inadequate security and attempted XXXX XXXX  by a staff and then the inability to reach anyone from XXXX to address the matter. ( Chase said this may qualify ) obviously theres more to the story, but if you listen to the recorded calls onXX/XX/XXXX-XX/XX/XXXXyou will see that I was advised that I could make a claim on this. 

Also in the calls from Same dates you will hear me going over several unrecognized charges with the representative and choosing to err on the side of caution NOT disputing any of them. 
But what I did notice is that CHASE made an error. Remember that RV rental company XXXX XXXX. Well I noticed that CHASE missed 2 of their charges on the original claim. I think there was 6 or 7 but chase missed 2. Simple oversight. I pointed this out to representative and asked that the existing claim investigation be adjusted to the correct amount. They told me no and had to be a separate and new claim despite my protests. 

So best I can surmise is that some algorithm flagged my account based on a misperception Id claim abuse but the reality is that there are only 2. XXXX XXXX  and XXXX  XXXX, the latter being advised by agent that was a qualifying and valid reason that I had to make the claim. 

I was given no warning that my account of many many years was being closed and was humiliated at the pharmacy because I was declined when there was a line behind me. 

To make matters worse when I went to the bank to demand answers, not only did I learn about Closure but even worse I was as given no reason as to why. 

I demanded on an independent and individual review of the recordings. Misinformation and mistakes made by chase, and consideration to the fact that I was resolving months worth of transactions simply because I had ended a long travel. 

It is my opinion that this decision was made without investigating the facts and is unjust. Thank you

Company response to consumer: Closed with monetary relief