Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received a letter from Chase stating that Chase decided to close my checking account, and I have until XX/XX/year>. A couple days before this letter was received, I had a few messages via text from Chase, saying that there were going to close my account, and sent me an link so that I can check my the phone about it. I though it was a scam and I decided to go to my local bank to verify with them if there was an issue with my account. Since I opened the account, I haven't got any issues and they even warning my about all kinds of scam going around. Chase stated that they don't call nor email me to verify my identity, I usually check my statements on my personal PC at home. I monitor all my expenses and I don't usually write checks, withdraw from ATM, etc. I do withdraw directly from the bank in cash. Out of the blue, I thought someone was trying to scam or break into my account. I decided to withdraw all the money from the account in cash in other to avoid loosing all my money. I was getting calls to a phone that I don't own asking for my personal verification in order to verify what was the issue with my Chase account. Once I managed to withdraw most of the money from the account, I then went back to the Chase bank in person to verify if they were really closing down my checking account. I brought in the letter that I received to verify if it was really from them. Sure, then they told me that it was true and I should call the number on the letter to see what was the issue. When I called the number, I called several times and hung up because I could not understand the person who I was talking on the phone and also they were asking me so many questions regarding my identify and the account. Finally, I managed to get in contact with someone I knew I could understand in plain XXXX, and that this person could not tell me was had happened because they did not even knew nor have access to my account information, they could only tell me that someone at Chase decided to close my account and they won't share the issue they identified with my account activity and that they don't have to provide anything to me because of the Bank Secrecy Act and other regulations. I resent the fact that I am unfairly being accused of something that I don't even know myself what I had done wrong, but I read on XXXX XXXX and forums online regarding same issues that Chase had done with personal and old well stablished business clients, who had the same experience. I read that Chase don't don't need to explain theirs closing decisions even if there are mistakes made by them or other sources. If I have done something illegal or bad against anyone, they know where I live, they have all information, they are free to call the authorities, but they should stop doing this to his clients. They have the right to do with their business what ever they want, but they don't have the right to judge me on what I have or do with it. At least I managed to get all my money out, I had read that some former clients and customers had theirs money frozen and even lost because scammers or pure XXXX, and Chase had even blame the customers of being in the scam and not be responsible with the security part. I even thing that the reports and account activities are monitor by XXXX  XXXX  and that there are not a human source behind theirs decisions. It is business as usual. I just want them to have the balls to tell me what they considered concerning activities that caused my account to be close. I did a XXXX  and I am requesting a Credit Report as soon I finish this complaint. I am also writing directly to Chase ; I know it will be useless but at least it will be on the record that if there is something bad about me? ; I would like to know what it is and how to resolve it. I am not going to stay in the limbo thinking that I don't have a job, health, credit or a future, but I do have dignity and I will not let anyone else XXXX with it ; it is the only thing left in my life because an XXXX mistype something and XXXX up with name.

Company response to consumer: Closed with explanation