Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I would like to file a complaint. I feel that I am being discriminated against. I had a XXXX credit cards XXXX credit card I had XXXX checking account with chase bank. In XX/XX/XXXX and out of the blue I received an email stating that my accounts were being closed, and when I called to inquire, most of the staff had no clue, but XXXX finally said it was due to adverse media. I have XXXX credit, since when is adverse media part of the credit process. 

I am not sure what they are referring to, but as soon as they reported that my accounts had been closed by credit grantor, which implied that I have done something wrong, it did not look good. I have maintained an excellent pay history with XXXX ( although I only had the card a short time ) and all of my accounts. And I mean, excellent. 

As far as adverse media, the only thing that I can think of is that in XXXX I was convicted of federal charges. I was sentenced in XXXX and I Spent XXXX and a XXXX years in federal prison. During that time, I maintained my credit in XXXX status. I was not late, nor did I have delinquent accounts. Everything remained perfect. So there is no reason for my accounts to have been closed for adverse media. Im not exactly sure what that even means. My XXXX XXXX is and has been stellar. 

I Have paid XXXX perfectly, my payment history is excellent and was excellent. So, for them to simply close my credit card and bank accounts because they perhaps discovered that I have a criminal record, is not right. That's not based off of my credit history and ability to pay. Doing this type of discriminatory practice hurts people 's credit, and I worked hard to keep mines good, even when I was struggling. If they are going to use criminal history as criteria for refusing credit, then they should disclose that. 

My credit should be based off of just that, my history and ability to pay. Why wouldn't my credit history be based off of my ability to pay. The way that XXXX closed those accounts, All in 1 day hurt my credit. When I have paid on time? That's not right. 

XXXX turned around and closed my bank accounts and credit card for adverse media. I had a XXXX limit with XXXX, but I only owed {$XXXX} at the time and I paid them as soon as they closed the accounts. I had only had the card since XX/XX/XXXX. Excellent Pay and I had money in the bank. 

I worked hard for my credit to be what it was. The only reason that it was not over XXXX like it usually is, is because I had balances. It is usually over XXXX. 


Because they closed those accounts it cut off the credit limits, which made my credit look like I charge over the limit. For example, It went from me having say $ XXXX of available credit down to say $ XXXX but showing that I owe XXXX, which would mean that I have charged over the limit, when I did not. This practice Tanked my score. 


This practice by credit card companies is not right. If criminal history is going to be a factor in their credit process then it should be disclosed up front. Because otherwise I am not being judged off of my ability to pay, and since there are more minorities incarcerated than any other race, this is nothing more than a form of race discrimination, especially since my credit was excellent before and after my struggles.

Company response to consumer: Closed with explanation