Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I applied for a credit card through Chase in XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received two responses saying, " Take action to protect your personal info ''. I read it and it said someone was using my personal info fraudulently and for this reason, they declined my application. I informed them this was my application, and I was applying to get credit card. I was asked to upload my driver license, and I did so. Then I did not hear back from them for a while. I called them again and I was informed that this was not verifiable and asked me to go to a Chase bank and let them check the documents to make sure it is legit. I went there and they called the credit card center and said the info was legit. I thought that was the end of it, but I received another letter on XX/XX/XXXX saying the same thing that someone was using my personal info etc... I called and told them that I thought this was verified. I was informed that I should go to a Chase bank again to verify my info, and I did so. Eventually I got the credit card. I applied for another credit card and got that one as well. So, I got three credit cards from Chase in a matter of several month, one for XXXX XXXX, another for XXXX XXXX and the 3rd one for another hotel. While I had them in a short time, I used them to strengthen my credit scores and paid them on time. I was approved for a high limit of at least {$16000.00} to over {$20000.00} on these cards but I called in myself and lowered my credit card limits to {$2000.00}. I thought that was enough for traveling and hotels. I also put them under Auto Pay so that I do not forget to make the payment in a timely matter. Apparently, I did Auto pay on two of the credit cards and forgot about one of them. 
On XX/XX/XXXX, I received three letters informing that all three credit cards were closed and the reason it said, due to 1. ) Too many accounts opened recently. 2. ) Too many requests for credit. 3. ) Currently over limit on Chase accounts. I called and asked about the closure of my account. They said that since I had too many inquires in the past 6 months, they closed all my credit cards. I asked how many inquires I had in the past six month ; they said about 6. I said how many of these inquires belongs to Chase out of these 6, they said at least 4. I said Chase put most of the inquires on my credit report and now by closing my accounts Chase is really destroying my credit scores and credit report. If I were to close those accounts myself, it was better for me since it would not be considered as a REDFLAG for other companies to cut and close my credit cards and also there would be less points reduction on my credit scores. I asked for re-opening of these accounts ; they said it was impossible to do so, and they were sorry about this, but I could apply again next month, and they would consider it. I said you closed my accounts due to the so called frequent inquires and now you are suggesting me to apply again and put more inquires on my credit report?

Meanwhile, I was paying my payments on time on all these credit cards since those were on Autopay and there was only one of the cards that I forgot to put on Autopay and on that one, I was late once couple of days and I received a notice about it and I called and informed them that I was under the impression that this card was under Autopay and I paid the balance in full over the phone.

By applying and forced closing of these three credit cards, my credit scores were declined big time by Chase. I want justice to prevail in this matter.

I hereby attached 6 documents for your review.

Thanks a lot for helping me in this matter. 
XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation