Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'XXXX I deposited money into Chase. I made two purchases, XXXX total, from XXXX, Acct opened XXXX, began using spring XXXX. In middle of second transaction a pop up menu appears for XXXX  XXXX  CC. I opened and upon learning amt of fees I declined offer as Im unemployed. Popup was not closing! I NEVER AUTHORIZED CC & attempted to close decline and not available on iPhone! I called XXXX  immediately. Explained to XXXX  who created Case, XXXX, have screenshot w/proof CC cancelled until XXXX XXXX  yr term. I have call logs of 3 calls w/XXXX  & he called me back after call dropped! I was ADAMENT OF NO DESIRE FOR XXXX  XXXX  CC. On XXXX XXXX, Credit not seen in bank acct called Chase. Spoke to male re credit for disputed $29.99, put me on hold rtn to state could not allow w/broken English and I hung up. I called Chase hours later and made Claim for XXXX XXXX  XXXX  CC. Explained story exactly from notes complied and XXXX  Chase CS Rep name, asked me about details and I reported screenshots verifying purchase Case created for Declination of CC and state details with XXXX  losing call and calling me back! I was told I would be given credit for XXXX & may take 2hrs to 2 days for credit issued. I never realized said credit as XXXX  Friday and Sunday XXXX, XXXX I rcv text from alleged Chase Fraud but I rcv at 10:30pm as Id been at football party and upon retired checked phone and got text. Did not recognize so reached out to XXXX, provider, who advised STOP reply to identify sender, Chase. Monday pm called and acct view had NO CREDIT FROM XXXX  & my DEBIT TRANSACTION earlier, XXXX XXXX XXXX 2:30am, was paid, my TXXXX XXXX XXXX XXXX  request paid via debit. ALL I SAW via app view. As of Sunday XXXX, I HAD ZERO ACCESS TO ACCT! APP WAS NOT WORKING AND ACCT LoCKED. I instantly knew XXXX! Cancellation XXXX XXXX XXXX calls XXXX XXXX XXXX XXXX XXXX.\n\n\XXXX  created case XXXX at XXXX  and was person whose native language not English indecipherable and hung up. Called back at XXXX  and case XXXX  case created XXXX.\n\XXXX  by Law could hold my Bank secured Purchase of XXXX  1XXXX XXXX XXXX. No problem. On XXXX, I receive email from XXXX  stating HOLDING PURCHASE UNTIL XXXX-ILLEGALLY AS PURCHASED VIA DEBIT CARD AND MONEY INSTANTLY DEBITED FROM ACCT. The XXXX  co used Suspicious Activity & Fraud! NEVER!!!!! I only made a purchase and disputed a Credit Card! \n\nChase claimed suspicious activity and Fraud! I instantly knew XXXX  & Chase did not need nasty issue re little person using Bank precedent setting NEW BUSINESS PARTNER on fire! I created issue acting normal, disputed a transaction, and it was against a BRAND NEW BSNS PARTNER! XXXX XXXX Chase announced huge partnership with XXXX  to allow Chase customers use of bank acct to buy BTC! Precedent setting! \n\nI expressed to every person I spoke of this issue. XXXX  is reason acct closed! I knew it! Both colluded using exact language and both shut down my accts! XXXX  between XXXX XXXX XXXX, REMOVED ALL MEANS TO BUY OR SELL ANY PRODUCT PLATFORM PRovided! I was forced to sell my little purchase made XXXX for NO LEGAL VALIDATED REASON!\n\nI went into Chase XXXX. I was attempting to get acct reopened with all notes and validation of my position. I interacted with a man who was harsh unprofessional and spoke down to me as if I was not comprehending the issue. Got up to go get his mgr  so she could explain Chase can close the acct at any time for any reason and they do not nor will not provide explanation. I got up and walked out. \n\nWednesday a rude woman telephoned from Chase. She became gnarly rude smart aleky as I maintained I did not hear her except last part and no name! Repeated 4 times! She became very angry! I then told her Houston was under severe fog and Cliudflare, Internet platform commercial was down affecting Houston city website and Houston cells. Oh I did not know as I dont live in Houston her name was XXXX, exactly as stated rudely delivered. The reason she was calling, there was a complaint filed by the bank on me, XXXX XXXX XXXX. I LOL and said really and asked her why my account was closed and she said thats confidential and I hung up.\n\nI have meticulous notes and details of this matter. I have been interacting with XXXX XXXX, X, a XXXX  former Cabinet Member and Economist to three POTUS, who asked if he could reach out to XXXX  on my behalf and I told him there are 9 other platforms who do what XXXX  does its Chase I want reopened w/o negative reporting. I sought legal help! BOTH STATED NO LAWS ON BOOKS! This I know too which makes this treacherously evil. \n\nI am devastated! I had at same time an issue I was trying to get performed with Chase. I had my uncle have access to my acct for ease of transferring money w/o XXXX. I had initiated this process XXXX XXXX XXXX. I had conveyed to uncle XXXX  that two small deposits were to appear in acct & I needed those amts as it was Chase test to allow such bank ties. That failed oddly. I shrugged shoulders as uncle has bedridden wife and teaches school FT. \n\nMy career is XXXX XXXX. I negotiate MM Dollar I&G deals, lease landowners, disseminate paperwork into computer programs etc. meticulousness is my middle name. XXXX XXXX experience in this career. I get paid for ATTION TO DETAILS.\n\nChase closed my account based on XXXX  and I did nothing wrong, illegal or out of normal perimeters. I disputed a credit card I gave screenshots of all! NOT ONE QUESTION ADKED NOT ONE MOMENT OF REASON. The printout provided XXXX REVEALS CHASE OWES ME XXXX Order XXXX, placed XXXX XXXX XXXX and Confirmation XXXX. Delivery 3-4 BSNS days or appx 11-18, XXXX  BTC hold removed, and XXXX rcv email from XXXX, XXXX Order XXXX was canceled because of unforeseen circumstances and your payment has not yet been refunded. $50, S/H XXXX, Tax XXXX, XXXX and CHASE CUT CHECK FOR BANK ACCT BALANCE XXXX on 1XXXX XXXX YET PRINTOUT HANDED ME XXXX XXXXhows XXXX XXXX OWED TO ME!! I want my money! No reopen the account!'

Company response to consumer: Closed with explanation