Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I signed into my chase account where I had both personal banking ( checking ) and a credit account. I consistently had overdrawn the checking account over an extended period of time but other than fines no other repercussions were communicated to me ( not via email, secure message center, alerts center, or statements ). 

Right before the account was closed I was receiving alerts from chase around fraudulent or suspicious activity - specifically that my personal info was being shared on the dark web, specifically my social security number. Around that time I received a notice from a financial institution that they had a system failure and thousands of peoples info was leaked including mine. I worked with the institution to understand steps they were taking to resolve and also signed up with experian and chase to more closely monitor all activity related to my accounts and personal info being used. I believe my account was closed due to suspicious activity but I still have no confirmation. I have reached out to chase customer services multiple times and was told by representatives it was not something they were able to help me with. I have not been to a chase branch in person. 


Also to note - I also have a chase sapphire credit card with outstanding debt of {$4100.00} I am currently in the process of finalizing the final payment to pay off that outstanding debt. The payment is scheduled to go through XX/XX/XXXX. I am not sure whether that could be another reason for the closed checking account. 


I am currently able to log into my chase online account but all that is there is the credit account, all information and any trace of info around my now closed checking account is not on the site and not available when I requested statements from customer help center. 


I even tried to open a new checking account with chase just to make the credit payments easier and to be able to continue monitoring the suspicious activity but was declined because of my outstanding credit balance. 

I am not sure whether Ill be able to reopen or open a new checking account once I pay the full balance tomorrow ( XX/XX/XXXX ) but regardless I would like to understand why my account was closed with no communication or notice given. 

Ive had a very hard time scrambling to open other accounts to stabilize my money in one place and this is all very stressful. I currently am using discover checking and XXXX checking accounts to hold my money and I struggle with both to get approvals for wire transfers, etc given a lot of institutions dont recognize or allow activity with XXXX XXXX discover. 

I have checked paper mail paperless mail my email my inbox on chase.com and reviewed for any calls or voicemails from chase - nothing. I am only referred to the same link to statements and documents which is not at all what I am trying to get help with. Ive asked via documented communication chats with chase for escalation or to speak to someone else and was either met with auto responses directing me to FAQs or once I was given a toll free number to call to open a checking account ( also not what Im looking to do ).

Company response to consumer: Closed with explanation