Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NV)

On XXXX XXXX 2016 I received postcard stating I had contacted my bank about an annual fee on a credit card account of mine that the bank recently closed, however, I had not contacted them. This prompted me to contact the bank to see if someone else had contacted them posing as me. I then learned my account was closed due to non-payment of a membership fee of {$95.00}. I asked the bank when this statement was sent to me because I was not aware of the fee or of any balance on my account. I was informed that a statement was mailed on XXXX XXXX. I advised the bank I did not receive it and then asked the bank what address the statement was mailed to. The bank said they could not tell me but I could confirm my address for them. I confirmed my physical address ( which was listed on the postcard that I had received from them that day ) and also my P.O. Box address. Both addresses were listed on the postcard. I demanded for my account to be re-opened because I did not receive proper notice of my balance due via a statement, phone call, email, or text message ( Chase Bank has contacted me in the past for numerous reasons via all these lines of communication ). I was transferred to the credit review department to discuss the re-opening of my account. I spoke with XXXX XXXX who advised me that the account could not be reviewed because it still had an outstanding balance of {$95.00} that was forgiven by the bank but the account status was not updated to zero balance due. I again advised XXXX XXXX that I was not made aware of any payment due and I had not received the XXXX XXXX statement. XXXX XXXX informed me that my account was closed on XXXX XXXX which prompted me to ask why did the bank not send me a follow up statement on XXXX XXXX or XXXX XXXX to give me XXXX additional opportunities/months to make the payment? XXXX XXXX said he did not understand why XXXX additional statements were not sent over the 3 billing cycles before the adverse action of the bank closing my account occurred. XXXX XXXX then transferred me to XXXX XXXX in customer service to see if customer service could update the account to a zero balance and possibly have the review department re-open the account. 
In speaking with XXXX XXXX she confirmed that the bank only sent XXXX statement on XXXX XXXX and did not send a follow up statement on XXXX XXXX or XXXX XXXX before closing my account. I asked why did the bank not call, email or text me as they have on numerous occasions for promotions on bank services and activation of bonus privileges on my XXXX other credit card accounts. XXXX XXXX could not answer my query however she did some deeper investigation and suggested that the postal service returned my mail which caused my account to be delinquent 30 days for the membership fee. I again advised that I was not aware of the membership fee and asked why did the bank not send the XXXX XXXX or XXXX XXXX statement and she replied that she did not know. I was told to wait til XXXX XXXX until my account was a XXXX balance and to call back to ask to have the account reviewed for re-opening. I was also advised that I have around {$90.00} that the bank owes me for rewards points that XXXX XXXX asked if I wanted a check sent to me for. I declined because I did not understand why if the bank owes me {$90.00} why they did not apply that to my account before closing it. I also asked her why did the bank state I contacted them in the postcard I received when I did not. XXXX XXXX said she could not answer why. I did not want to wait so I went to the bank and paid {$100.00}. I am enclosing a copy of the receipt as well as the postcard that has both addresses that I received from Chase. I feel that my rights have been violated and that the force closing of a credit card by a bank has reflected negatively on my credit report and my credit score which will adversely affect my commercial building loan application