Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : This complaint is reference to my business credit card ending in XXXX. 
On XXXX XXXX, 2024 I made a payment of {$3000.00} intended to reuse the credit card to keep my business operations. If you look at the history of the card, I would use the card and then re-use it for my operations. This is a trucking business and the card was mainly used to put diesel. I was using the card like that, because I really wanted to keep the card opened and since the Trucking industry has been experiencing a crash, Paying and using it again, was the way to keep the card open until I was able to pay the balance carried. 
Around XX/XX/XXXX or XXXX I received an email that my personal card was closed. That was expected, but later that day I went to check my business credit card and I noticed there is only {$500.00} credit when I had made the {$3000.00} payment. After researching why my limit was so low I realized that the card was closed and it when my nightmare started with chase. 
I called immediately, and the associate told me I needed to speak to a department that was closed at the time, to call back on Monday ( 1st wrong info I got from your associates ). Since I was desperate, I call again on Saturday and I was able to speak to one person in that department. I truly didnt get her name, but she heard my whole story and she said she was going to go ahead and reverse the payment and that It would take XXXX days to process. I was so grateful and could not thank her enough. 
Today, I called ( because again, I depend on this money to run my business ) so I wanted to check if they had a better timeframe from when they money would post to my account. I spoke to XXXX who seemed not very empathetic of my situation, and he said that a request was being sent and it needed to be approved, and in this type of case money couldnt be reversed. I really got irritated with this associate because of the way he handled the situation, and my head started spinning at that point, because if the other associate sent a request and XXXX tells me it had to be approved, but then he says that in those cases reverse could not be done and he did not give me any solutions at all, after hearing my story which on the phone I explained more details of the impact this is causing to my life and my business. I asked him for his full name and last name, he did not tell me his last name, asked for his email he did not provide his email, asked for his managers names email, he did not want to provide any of that. At that point I felt he was playing with my intelligence, because unless you are the CEO of a company everybody has a manager above them. Anyways I had to call another associate so she could explain to me what the other associate did and how my expectations were different. She provided this mailing address, which I really dont understand why I was not provided a faster way like an email address, but she said she was going to submit another complaint and to please write to this department. Continued on page 2 I work for XXXX  XXXX XXXX for more than 12 years and all I know is that when you want to help a customer, everything is possible. I am a single mother, trying to keep my business running until things with the economy gets getter, which I think it will, I have used credit cards and pay thousands of dollars on them when I was able to. Right now I cant. The associate that closed my business credit card, knew the damage he was going to do to my business, because if you look at that account, it was strictly used to pay diesel and use it again. If I have no money to pay for my debts, I had to submits multiples request to have overdraft fees returned ( which chase had always helped me ) what makes who ever closed my business cc think, that the {$3000.00} paid was intended to pay off a debt? Clearly that money was intended to keep my business operating and the associate knew the damage and closed it anyways without even sending an email. Meaning if I would have sent a driver with the card he was going to be stranded on the road because of a chase associate that did not think about the customer and impact of closing this account. 
Right now I have my operations stopped with no money to put diesel. You dont understand the impact causing on my business. I will submit a complaint to the CFPB and BBB and I really hope Chase does help me with this issue. 
The impact is not only to myself, my company, but also to the drivers that work with me that right now can not go to work. 
Thank you and I really appreciate you reversing the {$3000.00} or more difficult request to re-open the business credit card.