Consumer complaint received 2025-06-15 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:
Chase Bank wrongfully closed my account, ignored valid disputes, and charged unlawful fees despite repeated documentation submissions. Agents hung up on me, provided invalid contacts, and failed to resolve issues despite multiple escalations. I demand : ( 1 ) Reopening of disputes, ( 2 ) Reversal of fees, ( 3 ) Written explanation for closure, and ( 4 ) Compliance with the Fair Credit Billing Act. 

This has been an ongoing issue with very little support in between small problems amounting to a larger one. Firstly, Chase has no clear support messaging system. When they require information from you they direct you to a website that is often not functional ( and if it is functional it does not tell you whether or not your uploads/messages failed ). This leads to me uploading documentation while Chase claims I never uploaded it. My first image attached will show this. 

After disputing the documented canceled charges on XXXX, I asked Chase support what happened, but Chase did not even bother responding back. All of their support involves a phone call. They avoid emails and messages, and so I can not document these conversations well. I've had two agents hang up on me, and another tell me to call back despite having proper documentation for my dispute with them. Weeks later I call back, they tell me my dispute was never processed. For documentation purposes, I can only attach my emails to Chase since I can not record my phone calls with support. Here is the first email I sent to them regarding the matter. My images in this email will be the next two uploaded into the query below : NOTICE 1 : Hello, I have been dealing with a very problematic series of disputes regarding my account. During my most recent call today at XXXX I am seeing that the disputes went through without my documentation ( despite me uploading this three times ). Now thanks to these disputes, Chase has stated over the phone several things : 1 ) That they didn't even initiate the disputes 2 ) There was no documentation 3 ) That the account was closed due to activity indicating abuse The disputes were never initiated, No documentation was received, and The account has been closed due to abuse of the dispute process. 

In addition to these contradictory statements, I was hung up on by three different agents during calls, and provided a fraud department number ( XXXX XXXX ) that appears to be invalid and raises scam alerts publicly. This number has hung up on me twice. 
At this point, I am unsure whether there has been an internal processing error or if my account has been compromised. What is clear is that : My documentation has been submitted multiple times, The disputed charges are valid grounds for dispute under the Fair Credit Billing Act, and I am being unfairly penalized with an account closure and balance demand while the disputes are unresolved. 

I am attaching my documentation again with this message. I request : Immediate acknowledgment and review of the attached evidence, A clear status update on each disputed transaction, Written confirmation that I am not required to pay the disputed amount while the investigation is ongoing, and Clarification on whether the account closure is final and on what basis. 

Unless I receive a satisfactory update by Friday, XX/XX/XXXX, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all other regulatory remedies. 

Thank you for your attention to this matter. 

NOTICE 2 : Dear Chase Executive Team, I am writing to formally address the ongoing mishandling of my disputes ( initiated in XX/XX/year> ) and the unjust closure of my account. Despite submitting documentation XXXX timesvia Chases online platform, email to executive support on XX/XX/year>, and during multiple callsChase continues to provide contradictory information, delay resolution, and impose unfair penalties. Below is a summary of the issues : 1. Documentation Submitted but Ignored On XX/XX/year>, I provided proof ( attached in all submissions ) that XXXX confirmed a refund for the disputed transaction ( XX/XX/year> ) would process in XXXX business days. 

During my call today ( XX/XX/year> ), the agent acknowledged receiving this documentation yet claimed it was " invalid '' because it lacked a refund timelinedespite the timeline being clearly stated. This is unacceptable. 

2. Dispute Errors and Missing Claims Chase has processed two {$100.00} disputes but claims to have no record of the three {$50.00} disputes, even though all disputes were listed in the same documentation submitted repeatedly. This suggests either gross negligence or systemic failure.

3. Account Closure and Unlawful Fees My account was closed prematurely for alleged " abuse of disputes, '' though I acted in good faith with valid claims under the Fair Credit Billing Act. 

Due to the closure, Ive been unable to make payments, resulting in : A {$28.00} late fee ( XX/XX/year> ) {$2.00} interest charge ( XX/XX/year> ) These fees are Chases responsibility and must be reversed. 

4. Inaccessible Support and Invalid Contacts Chases claim that it " doesnt send emails '' contradicts your XX/XX/XXXX request for documentation. 

The fraud department number provided ( XXXX XXXX ) appears invalid and has hung up on me repeatedly. 

Demands for XXXX XXXX XXXX XX/XX/year>, I demand in writing : Confirmation that all five disputes ( {$100.00} x2 + {$50.00} x3 ) are being investigated. 

Reversal of all late fees and interest charges caused by Chases actions. 

Proof that the account closure was not retaliatory for lawful disputes. 

A direct contact ( name/email/phone ) for a senior representative to resolve this. 

If I do not receive a satisfactory response, I will escalate to Consumer Financial Protection Bureau ( CFPB ) and pursue all other regulatory remedies. 

I have wiped personal information I have placed within these emails. Chase has not responded to any of these emails. There may be more documentation I have regarding this issue, but I will avoid overloading the query for now. Please let me know if additional info or clarification is needed as I have tried to keep this short. Thank you for the help.

Company response to consumer: Closed with explanation