Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have been a Chase Credit Card customer, in good standing, since XXXX. Upon logging into my Chase online account this morning, XX/XX/XXXX, my credit card status showed 'Your account is closed '. I did not request for the card to be closed, nor did I have any advanced warning that it was being closed or notice that it had been closed. 

I was unable to find any additional information on the Chase site about the closure/rationale etc. There also wasnt anything about it in my secure messages, or on my email. I ran my credit report to see that Chase closed the card on my behalf for being 'inactive ' in XXXX. The 'communication ' leading up to and since the card closure, described below, has been extremely deceptive and misleading, and is now going to adversely hit my credit score in a big way.

As Im writing this there is a message near the top of my Chase home page, for the specific ( now closed ) card, that says You've scheduled your automatic payment for XX/XX/XXXX. See Payment activity for more info. ". Further, the only correspondence I've gotten from Chase in recent months has been suggestive of good standing. The credit card is the only product I have through Chase ( with the exception of being an authorized user on my wifes Chase Card, which Ive been using as our primary card ), so it was incredibly misleading to pummel me with Congrats and Rewards headlines when my single product was about to be closed on my behalf and without my knowledge. Specific examples of email headlines from Chase occurring between XXXX and when the card was closed on XX/XX/XXXX include : ( XXXX, Chase XXXX XXXX ) " Congrats XXXX! You qualify for this balance transfer offer '' ( XX/XX/XXXX, Chase XXXX XXXX ) " XXXX XXXX : XXXX, We're offering you a way to pay in installments with no plan fees ( XX/XX/XXXX, Chase ) " Hello : XXXX, we want to reward you with an up to {$600.00} offer '' ( XXXX, Chase ) " '' Hello : XXXX, we want to reward you with an up to {$900.00} offer '' ( XX/XX/XXXX, XXXX ) " Hello : XXXX, we want to reward you with an up to {$900.00} offer '' * I got similarly toned emails from Chase XXXX XXXX, Chase Freedom Unlimited, Chase Ink, and Chase Home Lending during this same time period. The positive language gave me no reason to believe that my card may be at risk of closing or closed. Rather, I got plenty of communications attempting to solicit more of my money.

So far today Ive spoken to two people with Chase one via phone and the other via Secure Message, both have said its not possible to reopen my account since its been closed more than 60 days. The employees also informed me that Chase sent a mailer on XX/XX/XXXX to tell me that if I didnt use my card within 50 days of the letter being sent it would be closed. That was the only attempt they made to communicate with me about the potential closure and I never received the mailer. I've actually gone through every single XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX, the day that my card was closed, and there was not a single piece of mail from Chase to me on US Postal Service record during that period. I can provide records if needed, and did confirm with the Chase employee that my address was correct in their records. 

I'm not sure how it's ok to punish me to the note of thousands of dollars, which is what will likely be the case due to the hit to my credit score that will result because of this situation. I can not take action on a single mailer that never even made it to me and it feels like if they actually wanted me to know they could have gotten in touch multiple other waysthey sure do to solicit more business. 

Worth noting, I am an authorized user on my Wifes Chase Credit card, which is why my now closed card became my passive card, only used for ACH. I charged and paid off over XXXX on her Chase card this year. I have been a loyal and responsible customer of Chase and everything about this experience has felt extremely misleading, unethical and dissapointing.