Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Below is the complaint letter I wrote to Chase at XX/XX/XXXX hi, how are you? My name is XXXX XXXX and I am filing a compliant regards to the wrong information been given before I closed this account ( ending XXXX ). I just been told to mail a letter to the corporate office but I don't have a printer nor a stamp therefore I have no choice by writing the letter at here, hopefully it will get resolved by here. Back in XXXX Chase offered a new offer for the new card members which was spend {$3000.00} get 5 XXXX offer and I do travel every year so I was highly interest to apply that card but I need to close the current one and I confirmed the card ending XXXX was opened over 24 months ago but before I close the card, I called and ask to the agent who answered my call, if the new card application did not get approved, would I still be able to reinstated the XXXX card? she replied clearly " yes '', as long as it's within 30 days, that's how I close it and went to apply for the new card, I applied the new card 2 weeks after I closed XXXX and been told the credit bureau has not update yet, it's still showing I am holding the XXXX, I waited for another week to apply but got denied because I reached the XX/XX/XXXX policy. I then called back to tried to reinstated what I have been told when I closed the XXXX card, unfortunately, life is not always turn out to be " what it been told '', it turn out once the card is closed, there is no way to reinstated, I was shocked, this bad news shouldn't come out as a high standard of Chase Bank. I requested to have a word with a supervisor and I explained what happened, he said he has to request to have the call pull and to verify if it's actually an Chase employee gave me the false information, if that's what happened, I can request to reinstated, I waited and waited, nobody ever send me emails, calls or letters Last week, XX/XX/XXXX, I called again, a much nicer supervisor filed another request and he listed 3 options, either reinstated, either refund the {$95.00} annual fee that I paid at XXXX XXXX, or grant a XXXX certificate which that's the annual fee for. He did agree as a holiday card, without been told I can reinstated within 30 days, I could have close the card at XXXX XXXX AFTER I receive the XXXX certificate, as holiday credit card, that's the benefit the consumer is looking for, the XXXX certificate after 1 year from the paid of annual fee, there's no reason I would have close the account only 3 months from the time I paid the annual fee, if I really want to close the card, I would have wait until XXXX XXXX, after I receive the next annual fee, I close it because a Chase employee told me I can reinstated within 30 days. That XX/XX/XXXX supervisor fully understand me and so he put the request for 3 options at XX/XX/XXXX, XXXX ) reinstated the card XXXX ) refund the {$95.00} annual fee XXXX ) grant a XXXX certificate. He asked me to call back after 1 week and check the status. Today is that 1 week day, I called and a female supervisor nicely trying to reinstated for me but she couldn't ( she definitely not because I already tried XXXX XXXX and now it's XXXX, if the first 2 months there's no way to reinstated, there's no way to instated at XXXX ) and she also tried to refund me but she said there's a 6 month access window to file a refund, from XXXX to now, it's passed the 6 month window, excuse me, I already called at XXXX, card closed at XX/XX/XXXX, if there's 6 month window can refund the {$95.00} annual fee, why nobody refunded me at XXXX and today XX/XX/XXXX, telling me it's already been over 6 moths time frame? last option to grant a XXXX certificate, that also not working, because the account already closed. Every time I called, I been told differently, it should have been taking care at XXXX when I called to request instated and as XX/XX/XXXX, the supervisor was nice but none of his option is worked then why giving me the XXXX options as hope to make me hanging there? I need resolution otherwise I will file a formal compliant to FCC, I have been giving false information by Chase employee before I close card, HELP!! THANK YOU. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today, this morning, XX/XX/XXXX XXXX XXXX Chase agent XXXX called, case # XXXX She concluded the investigation that she listened the initial call at XX/XX/XXXX that the agent was only mentioned it's NOT guarantee the closed card can reinstated but within 30 days, it can request but not guarantee. But after I spoke at least 5 different staffs from Chase, all of them telling me once the card is closed, there's no way to reinstated, it's totally different from the XX/XX/XXXX conversation. XXXX said Chase won't put hard print ( hard word ) that definitely it can not be reinstated, they can only suggest it can be requested but not guarantee. And XXXX also listened the XX/XX/XXXX conversation that the supervisor who gave me 3 options, 1 ) reinstated 2 ) refund the annual fee 3 ) grant a free night certificate, XXXX only said she apologize for the supervisor who gave me the 3 options and all she can do is to apologize, that's all. I don't think this is a right way to handle a misleading conversation from the employees from Chase and I lost {$95.00} annual fee but nothing compensated from Chase even XXXX apologized but there's nothing can compare the time from XX/XX/XXXX until XX/XX/XXXX that I tried to resolve the reinstation matter, hopefully I can get resolution from here. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation