Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX I opened a personal and business account at Chase Bank, about XXXX  years ago I opened a XXXX  account to process credit card payments for my XXXX XXXX XXXX businessand never had an issue. On XX/XX/XXXX, I booked a hair extensionappointment, the client insisted on paying with a credit card yet she had the option to pay with XXXX. The client upon completion approved the service and left the location ( the surveillance cameras at the salon recorded ) About XXXX weeks later the client charged back. I told the bank the service was provided and approvedand sent XXXX text messages between me and the client supporting this. A temporary credit for {$340.00} was issued, and about XXXX weeks later, the bank favored the client, despite the service was provided and approved. XXXX days later my XXXX  account was terminated a few days later I received a text message saying I wouldn't longer receive messages or alerts from Chase and that I should re-enroll as soon as I clicked on the link provided my account was blocked. 

I remember the day before I received a text from XXXX saying many of my passwords were compromised. I changed a few of them, and with that in mind, I called Chase very concerned about it. I was informed with harsh manners, that my account was scheduled to be closed. I said I was afraid my account was hacked, the only explanation for such XXXX action. They refused to give me a reason, but why I pressed, I am an old client, there's nothing moody in my activities, and a single chargeback can't lead to this especially because I was the XXXX being scammed, I have proof of this. They keep refusing to give me a reason. I asked to speak with a supervisor, The supervisor refused to provide as well a motive. I told her I was convinced my account was being used for a type of criminal activity. Should I go to a police station, Should I call the FBI? I am under a lot of stress, trying to find a reason. I mentioned the XXXX text the day before. That's the only XXXX they gave me, she said the text you received that blocked the account was from us. 

Then if my account wasn't hacked, meaning is not linked to any criminal activity, the only explanation is the chargebackis not a coincidence, it followed the cancelation of the XXXX  account, followed by the closure of the account. I didn't do anything wrong, how is possible the bank is cutting a XXXX just like that, my account activities, the nature of the business, XXXX XXXX  are clean. She said she refused to give a reason " You can go to your local branch, they call us, and you are going to hear the same '' I felt they handled me like I had committed some sort of crime, their harsh distance didn't show any type of sympathy, despite I haven't done anything wrong. I was just disposed, of like a criminal. I felt the weight of injustice on my shoulders, I felt sad, frustrated, small, and crushed. No reason was given and I have a suspicion in mind : The woman that chargeback has some powerful connections at WePay, that put my account in the red file, as a personal favor. I couldn't find another explanation, and the timing wasn't certainly a coincidence This theory proves to be true ( Which is why I am submitting this complaint ) When I came across her on XX/XX/XXXX around XXXX XXXX and XXXX XXXX, she walked toward my direction smiled, and said ''must be hard to manage, and all cash business nowadays '' She worked for XXXX XXXX she has a powerful boss. ( I know this because I came across her Resume only. I was looking for her address to serveher in Small Claim. No, because of the money, a small amount, yet I hardly earned working XXXX hours on my feet on her, but because of the abuse committed to me. There are always dishonest people, but seeing how a powerful respectful institution uses its power to serve and benefit some and crush others, in a completely unethical way, is appalling. They also -the XXXX  an explanation to the XXXX XXXX XXXXXXXX near me. This deserved aninternal serious investigation. In all my years in this country, I came as a young awarded college student, then became a citizen as I admired so much this countrybecause civics rights are respected. I never expect seeing something like this here, I had never been treated so badly ( it still hurts on a personal level ) I guess there's an abuse of power to please ''friends '' everywhere after all.!