Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> Subject : Formal Complaint Against JPMorgan Chase Bank for Unexplained Closure of Personal Accounts and Restriction of Business Account Online Access Dear [ CFPB/OCC ] Complaint Review Team, I am filing this formal complaint regarding the unexplained closure of my personal checking account and those of my family members by JPMorgan Chase Bank ( Chase ), as well as the restriction of online activities for my business account. As a loyal customer of Chase for over 25 years, I have always maintained accounts in good standing with no issues, and I am seeking your assistance in investigating this matter and facilitating a resolution. 
On XX/XX/year>, Chase closed my personal checking account ( number XXXX ) without prior notice or explanation. The personal checking accounts of my family members were also closed under the same circumstances. While my business account ( number XXXX ) for XXXX XXXX XXXX XXXX remains open, all online banking functionalities have been disabled, preventing me from performing essential activities such as transfers, payments, and transaction monitoring. This restriction also prevents me from accessing account statements to demonstrate my history of good standing, further complicating my ability to manage my finances and business. These actions have caused significant disruption, forcing me to open a temporary account with another bank to continue serving clients. 
Over the past 25 years, my family and I have had a positive relationship with Chase, including excellent interactions with staff at the branch located at XXXX XXXX XXXX, XXXX, MI XXXX, where I have left numerous positive reviews for their outstanding service. There have been no overdrafts, fraud reports, or violations of bank policies on our part. Chases failure to provide any reason for these closures and restrictions may violate federal regulations requiring banks to provide notice and explanations for adverse actions on consumer accounts. On XX/XX/year>, I appealed directly to Chases executive office via email ( to XXXXchase.com, XXXXchase.com, and other executive contacts ) and sent a certified letter to their headquarters at XXXX XXXX XXXX XXXX XXXX NY XXXX, but I have not yet received a response. 
I respectfully request that your agency : 1. Investigate Chases actions for potential violations of consumer protection laws, including the lack of notice, explanation, and access to account statements.

2. Facilitate the reinstatement of my personal account ( XXXX ) and my family members accounts, as well as restoration of full online access to my business account ( XXXX ). 
3. Require Chase to provide a written explanation for the closures and restrictions, along with access to my account statements.

4. Advise on any steps I can take to resolve this matter and prevent future issues.

Attached are copies of my correspondence with Chase ( emails and certified mail receipt ). Due to the online banking restrictions, I am unable to access account statements, but I am prepared to provide any additional information to support my case. I can be reached at XXXX or XXXX. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Thank you for protecting consumers like me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation