Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Briefly I have an XXXX XXXX XXXX through Chase Bank that we have had for over a year in good standing. Always paid the credit card off every month. Always paid the balance every month. Never late. Love the cash back and the points. Long story short, our service dog got XXXX. A victim of a crime. We took our dog to XXXX XXXX. XXXX XXXX told us everything looks superficial that our bill probably would be more than {$500.00}. My husband used our XXXX XXXX XXXX to pay {$400.00} down. When we arrived at XXXX XXXX that day to pick up our dog as requested they wanted to charge us an additional {$750.00} we did not have and held our dog XXXX and XXXX until we paid the money. So I would like that {$400.00} refunded on our credit card. I contacted XXXX XXXX XXXX Chase Bank about it and they never resolved it. Shortly after that, they closed my account. They closed my account. I have a {$2000.00} max on this credit card I have about {$1900.00} balance. My last payment was due XX/XX/XXXX and when I went to pay it they had already closed my account. They sent me a letter saying that our spending habits have become too risky and that there was too many customer review of our credit and that was their decision to close our credit card account down that was in good standing this whole time. They said if we wanted to reopen the account at a later date to pay down the balance and they would consider reopening the card. I told them refund my {$400.00} that I'm disputing and that will pay down my balance and there's no sense in me paying off the balance on a card that they force closed it based on whatever stupid decisions they felt they had. They asked me why I almost max my card out every single month and I told him because I enjoy the 5 % cash back and I enjoy the points and if I have everything going to that card every month I enjoy 5 % cash back and I enjoy the reward points. They didn't like that. They don't want me maxing out my card every month even though I pay it off every month. So I told him I'll pay my minimum balance I paid it before the due date but I'm not going to pay on a card that's closed because it doesn't help my credit It only harms my credit. And I don't think they should have the right to close an account that was being paid every single month on time. I logged in to find my payment history and they had removed it right out of the app. Every single time I paid my credit card off every single month sometimes I paid this card twice in a month So there was absolutely no reason for them to close my card down. And since they think it's okay to tell their consumers that they're spending habits appear risky when you're consumers are enjoying the 5 % cash back and reward points, that's just all around bad business and it freaks me out frankly like my private spending habits have been violated or exposed. I don't know what to tell them. My husband and I own our own business we have a XXXX we homeschool we have two properties that we maintain that we own outright that have rental property on them Of course we're going to have a lot of credit review right now because we're trying to get a home loan or a construction loan to start our next project and Chase Bank is playing this game with turning my credit off. I think it's absolutely ridiculous and I'm not going to continue paying on this card until they reopen it and send me an apology. Meanwhile I still want my {$400.00} refunded because that was stolen from me when the vet told me one amount and then pressured me into a much larger amount later. Not okay. Not ethical. Plus after I paid the {$750.00} random and got my dog back, They fired us from the clinic because we gave them a poor review. So all the post care and aftercare and everything they were supposed to give to us that we had already paid them for They weren't planning on following through on. So my {$400.00} should be refunded even more so. I sent them an email stating this as well.

Company response to consumer: Closed with explanation