Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Sir/Madam, I am writing this letter as a long-standing customer of JP Morgan Chase Bank XXXX XXXX XXXX XXXX track record, requesting your urgent intervention in the matter of my credit card accounts ' unexpected closure. 
I have been banking with Chase for numerous years, maintaining XXXX checking accounts, XXXX personal credit cards, XXXX business credit cards, and a mortgage account, all with an exemplary payment history. In fact, to ensure I never miss a payment, I have all my accounts set up on auto-pay. 
XXXX my astonishment and subsequent dismay when my credit cards suddenly ceased to function, and my accounts appeared to be non-existent. The sensation of being left in the lurch was overwhelming. I have always held Chase in high regard, confiding in your financial services to help manage and nurture not just my personal finances but also my dreams and aspirations as an entrepreneur. This trust was shattered when I discovered my credit card accounts were abruptly closed without any prior warning. I am convinced this resulted from a technical oversight by the bank, leading to the closure of all my credit card accounts. 
I had opened a new business credit card for my XXXX XXXX XXXX XXXX XXXX '', anticipating the card to be automatically integrated into my all-in-one Chase login, similar to all my previous accounts. However, this did not occur, and no notification was sent out regarding this exception, making me unaware of the account 's balance. 
Unaware that this XXXX card had its own separate login credentials, it was impossible for me to set up auto-pay or manually clear off the balance, a lapse which was in no way a result of my negligence but a mere miscommunication and a technical oversight. 
When I reached out to your customer service, I learned of the unpaid balance of approximately {$450.00} on the XXXX XXXX card. The moment I was informed of the outstanding balance, I immediately paid the balance in full, a testament to my readiness and commitment to uphold my financial responsibilities. 
This entire unfortunate incident was due to a miscommunication and a technical error, not on any negligence or irresponsibility on my part. My unblemished XXXX XXXX and years of faithful payments bear testament to my reliability as a customer. I am a responsible homeowner and serial entrepreneur, consistently choosing Chase for my banking needs. 
I implore you to put yourself in my shoes. XXXX the shock, the disorientation of finding the financial foundation you've built over the years suddenly pulled out from under you. XXXX the hurt and disappointment when you realize that this upheaval is not a result of your own doing, but of a technical error. 
This mishap has deeply disappointed me, as I have always held JP Morgan Chase Bank in high regard, entrusting you with my personal and business financial needs. I find it disheartening that all my credit card accounts were closed without prior warning or efforts to reach out and resolve the issue, especially given my history with the bank. 
With this letter, I am not just asking for the reinstatement of my credit card accounts, I am appealing for empathy, understanding, and fairness. I am appealing for the reinstatement of my trust in Chase, a trust that has been deeply shaken by this incident. My impeccable credit history, punctual payments, and my commitment to maintaining my accounts efficiently speak volumes about my character and reliability as a customer. 
If this situation remains unaddressed, I am left with no other choice but to reconsider my future financial endeavors with Chase. It is a decision I would take with a heavy XXXX, given the years of mutually beneficial relationship we have enjoyed. 
In conclusion, I request your assistance in rectifying this situation, emphasizing that it was a mere technical oversight that doesn't reflect my actual banking behavior or history with JP Morgan Chase Bank. 
I ask you to view this situation not just as a corporate policy procedure but as a deeply personal issue that has greatly impacted my life. This is not merely a request but an XXXX plea for you to rectify this situation and help restore the faith I once held in Chase 's commitment to its customers. 
Thank you for your understanding and empathy. I anticipate a swift resolution that would heal the distress caused and allow us to move forward, restoring our relationship to its former trust and mutual respect.

Company response to consumer: Closed with explanation