Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
I applied for a Chase Sapphire XXXX XXXX on XX/XX/year>. I was approved on XX/XX/year> and given a {$15000.00} credit limit. 

I immediately connected my debit card to the account and scheduled auto-pay to pay the full balance each month. 

This continued for about XXXX months. Each month I paid the statement in full. I had no missed payments, and I was spending around {$4000.00} - {$5000.00} each month, well within the limits i was approved for. 

On XX/XX/year>, i received a notification on my phone that my credit card no longer worked. I opened up my Chase XXXX XXXX and discovered my card was suddenly closed. I received no warning or notice from Chase that this had happened. The notification was from XXXX XXXX informing me the card was no longer valid. This concerned me because I had arranged for all my recurring bills to be paid via this card and those would soon bounce. 

I immediately called Customer Service and spoke with XXXX different representatives. They told me Chase had determined there was " insufficient credit history '' on my credit report. The representative specifically mentioned there were " gaps '' in my credit history that made them lose confidence in their ability to continue the account. This made no sense to me as I have very good credit. My Equifax and Transunion scores are each XXXX ( attached ). I have an 11 year credit history with about XXXX accounts that have had XXXX missed payments. This information was submitted to Chase when I applied for the card in the first place and was approved. So i did not understand what had happened that would suddenly make them concerned about my credit history. 

I spoke with multiple representatives and ultimately XXXX of them told me he could " guarantee '' my account would be reinstated but that I would have to visit a branch and bring my ID with me. The next day I received a letter from Chase via the app ( attached ). I went to the branch and explained my situation, and the representative was very sympathetic. He explained various situations that could cause an account to be closed and none of them applied to me. I had not made any suspicious purchases indicative of fraud. I had not made any large balance transfers to another card. I had not made any payments from an account under a different name. The only provided reason from Chase ( insufficient credit history ) made no sense in light of the fact that the card had been open for XXXX months with no problems, and they had already approved me for the card with this history to begin with. 

The XXXX at the branch spoke with someone on the phone. He was disappointed to inform me that the decision to terminate the account was final and that all my rewards points would likely be forfeited. He said all he could do was file a " complaint '' with someone on my behalf, and ask that the value of the points be wiped off my pending balance before the account was closed. He said this was unlikely to happen. The in-person representative seemed truly sorry and had no explanation for why my card was being closed beyond the stated " credit history '' reason. 

Chase offers a welcome bonus that gives you XXXX bonus points if you spend {$5000.00} in the first XXXX months. I easily hit this bonus, and when the account was closed i had accrued roughly XXXX points and XXXX points were pending at the end of the next billing cycle. 

Chase appears to have cancelled my account simply because I was accruing points they had no intention of paying out. Moreover, I paid a {$95.00} annual fee when I opened the card only for them to close it 3 months later. Chase fraudulently induced me to open this card with them, pay the annual fee, spend the money necessary to earn the bonus points, then cancel my account when they realized I would be a reliable customer who would pay off the monthly balance in full each month. This closure to my credit card will be reflected on my credit report and will damage my XXXX XXXX and likely affect my ability to obtain further credit. 

From what research I've done online there are many, many people this has happened to. I have exhausted my remedies through Chase before filing this complaint. They need to face consequences for this unfair and damaging practice.

Company response to consumer: Closed with non-monetary relief