Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. My Phone Number is ( XXXX ) XXXX. My Email Address is XXXX. Last 4 digits for my account are : XXXX and XXXX and the last 4 digits for the credit card are : XXXX, XXXX, XXXX, XXXX. 

I received a notice on XX/XX/XXXX from the Chase Executive Review Team with Reference Number : XXXXXXXX. They have decided to close all my above bank accounts. This action was due to " recent transactions. '' I called them on XX/XX/XXXX, spoke to agent XXXX at XXXX, extension XXXX tried to appeal this decision. The agent XXXX said he can not do anything, and he suggested I can appeal it through email Chase Executive Review Team. I did email them twice on XX/XX/XXXX and XX/XX/XXXX. However, I never got a response.

I think the bank should not treat people like that. Please help me! Thank you very much.

Here is the email I sent to the Chase Executive Review Team at XXXX I am writing today to urgently appeal the decision to close all my bank accounts and sever our banking relationship. I received a notice on XX/XX/XXXX. Stating this action was due to " recent transactions. '' For the past 10 years, I have been a dedicated and compliant Chase customer, consistently maintaining my accounts in good standing. My relationship with Chase includes Checking, Savings Account, Credit Card, Mortgage, Auto Loan, and Brokerage account. Therefore, this notice was both shocking and distressing. 

Upon receiving the ending relationship notice, I immediately conducted a thorough review of all my recent account activity. I can confirm that every transaction is legitimate and aligns with my normal financial pattern, which includes direct deposits from Chase, bill payments, credit card purchases, and occasional wire transfers from my parents. My mom just wired me {$20000.00} from XXXX XXXX, because I lost my job in XX/XX/XXXX. I need money to raise my family, including XXXX little kids XXXX XXXX  and XXXX XXXX. My father-in-law and mother-in-law also came to visit us and gave us gift money to help us. Hopefully, we can get through this difficult time.

I strongly believe that the decision to close my account was based on an automated flag or a misunderstanding of these routine transactions. I was never given any prior warning or opportunity to explain or provide documentation for this activity.

The closure of a primary bank account creates immense hardship, affecting my ability to pay my bills and manage my daily financial obligations. Before taking such a final step, I implore you to reconsider.

My primary request is simple : please grant me the chance to speak with a decision-maker, provide context, and submit any documentation needed to clarify this situation. I am fully prepared to cooperate completely to resolve this.

I value my long-standing relationship with Chase and have always trusted you with all my financial needs. I am confident that with direct communication, we can resolve this misunderstanding and continue our relationship.

I look forward to your prompt response. Thank you for your time and consideration in this critical matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation