Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
SEE COMPLAINT SUBMITTED1. Plaintiff herein, XXXX XXXX XXXX XXXX, XXXX, is an adult individual residing in the state XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, transitioning back to XXXX because of the financial burdens resulting from the complaint described herein, where he will be residing at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

2. Defendant, Chase Bank USA, N.A, filed and reportedly maintains its Certificate ofIncorporation with the Secretary of State of the State of XXXX in XXXX, XXXX, since the XXXX day of XXXX, XXXX, and is a corporation having offices at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, and throughout the United States and abroad. 

3. Plaintiff applied for and received XXXX credit cards issued by Defendant in XXXX and XXXX respectively, bearing the account number **************** and ****************. 

4. Plaintiff applied for and received XXXX credit cards issued by Providian Bank in XXXX and XXXX respectively. Washington Mutual bearing the account number **************** and **************** subsequently acquired the XXXX noted accounts, and Chase bank acquired the same XXXX accounts thereafter for which credit cards evidencing the acquisition were not issued prior to the commencement of litigation between Plaintiff and Defendant. 

5. Plaintiff established an excellent longstanding credit history/high credit score havingmade responsible use of said credit cards from XXXX, XXXX, through to XXXX, XXXX, at which point Plaintiff accumulated a final combined total actual balance of {$31000.00}, as order. 

6. Defendant is in breach of the terms of the " Cardmember Agreement '' for the twocredit cards they/Defendant issued. Additionally, Defendant is in breach of the remaining XXXX " Account Agreement '' for the credit cards issued by Washington Mutual that Defendant subsequently acquired having forced Plaintiff into default through applying unconscionable changes in terms, unjust application of default rates to the balance Plaintiff had accumulated over the years " unless the full balance is paid in full immediately '' when Plaintiff ( 1 ) followed the described steps to " opt out '' of the changes in contract terms ; ( 2 ) did n't make direct payments to Defendant because the contract terms clearly state that " ANY '' account activity constituted agreement with the new terms that Plaintiff made clear he disagreed with, but he continued to make minimum payment 's to a third party to avoid transitioning into the new contract while continuing to make minimum payments - which Defendant was notified of - but Defendant still applied default rates and lied to the courts in XXXX stating that their actions were justified because Plaintiff " is in default of the terms of the cardholder agreement having not made monthly payments to [ Defendant between XXXX XXXX and the commencement of Defendants ' complaint on XXXX XXXX, XXXX ] thereby rendering the entire balance immediately due and payable. '' Defendant tried to force Plaintiff to pay them directly, despite knowing that payments were being paid to a third party, in an effort to force him into the " new contract, '' and despite said payments to the third party and Plaintiffs ' efforts to resolve the issue amicable - Defendant moved forward in breaching its obligation to comply with ALL cardholder rights, as well as their responsibilities to Plaintiff/cardholder as described in the " Cardmember Agreement [ s ] '' and " Account Agreement [ s ]. '' A true and correct copy of the breached contracts/agreements are attached hereto, marked as Exhibit " XXXX '' and made a part hereof. Consequently, Chase Bank refused payment from Plaintiff 's intermediary and sued him for more than the actual balance and ruined his longstanding good credit from XXXX through now precluding income from hx of property investing.

Company response to consumer: Closed with explanation