Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint because Chase has engaged in a pattern of unfair, deceptive, contradictory, and harmful conduct toward me, causing financial harm, disruption of banking access, and potential damage to my personal and business interests. This is not an isolated issue. I have previously reported serious concerns regarding Chase, but additional facts and evidence require me to file this complaint again. In XX/XX/XXXX, Chase closed my personal account. After that closure, I was informed that there was no outstanding overdraft, unpaid balance, or unresolved debt on the account. I retained phone records and related evidence concerning that confirmation. However, in XX/XX/XXXX, Chase solicited, invited, and guided me to open both a new personal account and a business account at the same time. Chase approved those accounts through its own internal system and allowed me to rely on that banking relationship. Chase later closed those newly opened accounts as well. It then stated that the accounts were closed because of alleged linkage to previously closed accounts. This explanation is contradictory and unacceptable. If Chase truly believed I was ineligible to open or maintain accounts because of prior account history, then it should never have solicited me, invited me, guided me through the process, or approved the opening of both the personal and business accounts in XX/XX/XXXX. Doing so was misleading, unfair, and deceptive. If Chase did not believe I was ineligible at that time, then its later reliance on alleged linkage to previously closed accounts is unreliable, inconsistent, and raises serious concerns about the legitimacy of its internal decision-making. In either case, Chases conduct is untenable. A major bank should not invite a consumer to open accounts, permit reliance on those accounts, and then later reverse course based on information it either already had or should have reviewed before approving the accounts. A separate and serious issue also remains unresolved. After the original account closure, I was told there was no outstanding debt or overdraft. Yet in XXXX, Chase later claimed that I owed an overdue payment or debt. This sudden reversal raises serious concerns regarding the accuracy of XXXX records, the integrity of its account handling, and whether Chase improperly changed its position after the fact without transparency or fair process. This matter is not only about money. It is about whether a large financial institution can : close accounts without transparent justification, later invite the same consumer to open new accounts, close those new accounts using contradictory reasoning, retroactively assert debt after previously indicating that no debt existed, and avoid accountability by citing vague internal policies, confidentiality, or general account agreement language. That is not acceptable. I also retained recordings and related records of threatening or coercive phone calls I received before my first account was closed, including calls pressuring me to change my debit card. I did not agree, and my account was subsequently closed. These calls are relevant evidence and appear to be part of the broader pattern of improper and inconsistent conduct. I request a formal investigation into Chases actions and a complete written explanation of : why XXXX closed my personal account in XX/XX/XXXX, why XXXX later solicited, invited, and approved both a new personal account and a business account in XX/XX/XXXX, why those XX/XX/XXXX accounts were later closed, the exact basis for Chases claim of linkage to previously closed accounts, why Chase later claimed in XXXX that I owed a debt or overdue amount after I had previously been told there was no outstanding balance, and whether any inaccurate records, internal errors, risk flags, or improper procedures were used in handling my accounts. I also request that Chase be required to preserve and provide all relevant records from XXXX through the present, including : all call recordings and phone logs, all internal notes and account comments, all account-opening records, all account closure records, all records relating to alleged account linkage, all records relating to any claimed debt, overdue amount, charge-off, or balance, and all related communications and internal documentation. I am requesting these materials because I may need to take further legal action to protect my rights and personal interests. I also request correction of any inaccurate internal or external records and any other relief warranted by the facts.

Company response to consumer: Closed with explanation