Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
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YOUR COMPLAINT Summary of Issue On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  began restricting my account access. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my accounts entirely. On XX/XX/year>, Chase closed my checking account, and while my savings/money market account remains open, it is in restricted access, meaning I can not access my funds. Both banks actions appear to stem from tuition reimbursement chargebacks I filed against XXXX XXXX XXXX XXXX XXXX that abruptly shut down. These chargebacks were valid consumer disputes, not fraud. Background : XXXX XXXX  Closure XXXX XXXX XXXX XXXX XXXX XXXX abruptly and permanently closed on XXXX XXXX XXXX citing financial difficulties. Students were left without clear guidance. XXXX  created a tuition reimbursement link, but it was only available to California residents. Because I was enrolled online while living in XXXX, I was excluded from that process. My enrollment contract promised a certificate of completion upon finishing the program. I completed the required coursework but never received this certificate, even though I later learned other students did receive theirs. This means my contracted deliverable was never provided. Timeline with XXXX XXXX XXXX XXXX XXXX I visited Bank XXXX XXXX to request tuition reimbursement. XXXX XXXX filed my claims as non-fraud claims. XXXX XXXX later explained these should have been filed as chargebacks ( with a XXXX lookback ). I had not known the difference. I refiled correctly as chargebacks. XXXX XXXX XXXXXXXX approved XXXX chargebacks totaling {$750.00}, confirming eligibility. Despite this, on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX restricted my accounts, and on XX/XX/year>, they closed them entirely. Timeline with Chase In XX/XX/year>, Chase restricted my accounts despite documentation showing my chargebacks were valid. On XX/XX/year>, Chase closed my checking account. My savings/money market account remains open but is in restricted access, preventing me from withdrawing funds or using the account. Why My Chargebacks Were Valid I never received my certificate of completion, which was promised in my enrollment contract. I was excluded from XXXX reimbursement process due to being an XXXX resident, despite studying online. I attempted to contact XXXX  staff but received no replies at the time. Only later did I find an email from an XXXX  representative in my junk mail, which I did not see during the dispute process. I am aware that other students received their certificates, proving that certificates were being issued, but mine never was. My actions were in good faith. If the certificate of completion had been provided, I would not have pursued chargebacks, and I would have been willing to withdraw them. Harm to Me My accounts with XXXX XXXX XXXXXXXX were closed. My Chase checking account was closed, and my savings/money market funds remain restricted. I have not been given a clear explanation of why my accounts were restricted and closed beyond the connection to my XXXX chargebacks. Being treated as if I engaged in fraud is damaging to my financial reputation and is preventing me from accessing my own funds. I have not been given a clear explanation of why my accounts were restricted and closed beyond the connection to my XXXX chargebacks. An XXXX representative XXXX XXXX XXXX later claimed in an email that my chargebacks were fraudulent misuse. I did not see this email at the time because it went to my junk folder, and I had already been trying unsuccessfully to contact the school. XXXX also indicated that XXXX might pursue a civil claim against me based on this accusation of fraudulent misuse. This accusation is false. I never received my certificate of completion as promised in my contract, and I was excluded from XXXX official reimbursement process as an XXXX  resident. Other students did receive their certificates, but I did not. Being treated as if I engaged in fraudthrough bank account closures, restricted funds, and now the threat of a civil claimis causing reputational and financial harm and is preventing me from accessing my own money. Why My Chargebacks Were Valid My XXXX contract promised a certificate of completion upon finishing the program, but I never received it. XXXX also owed me a prorated tuition refund of {$430.00}. I attempted to contact XXXX about this directly. I received no response for nearly XXXX weeks. When XXXX finally replied, it was only to dispute the chargebacks ( not to address my refund request ) and his email was filtered into my junk mail, so I did not see it at the time. Because I received no refund, no certificate, and no communication, I filed chargebacks for {$750.00} in addition to the original {$430.00} I had already requested. I later learned that other students did receive their certificates, proving XXXX was issuing them, but mine was never delivered. These actions were in good faith. If XXXX had responded in a timely way or provided my certificate, I would not have pursued the additional chargebacks.

Company response to consumer: Closed with explanation