Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
On XX/XX/XXXX, my checking account was closed without my authorization. Approximately XXXX week before, I explicitly told the bank NOT to close my account, and they have this call recorded. 

I have technical evidence proving my mobile phone was intercepted by a surveillance device and my banking app was accessed without my knowledge on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Phone system logs show an active login session ( SessionTimeoutJobService ) and high data transmission during this unauthorized access. 

I have video footage of suspicious individuals installing this surveillance device at XXXX XXXX The timing ( middle of the night ) and behavior were highly unusual for legitimate telecommunications work. I am continuing to run daily forensic scans that track the ongoing behavior and existence of this surveillance device. 

On XX/XX/XXXX, the bank told me they closed XXXX accounts due to " account problems. '' These problems were caused by previous fraudulent account freezes- XXXX XXXX froze my accounts claiming fraud, which prevented payments, and now this bank is using those fraud-caused problems as justification to close my accounts. This punishes me for being a fraud victim. 

The bank also referenced an account issue from XXXX. I made the payment on time in XXXX, but an automated withdrawal was returned because it was linked to a XXXX XXXX XXXXXXXX account I had already closed due to fraud. The bank is holding this against me even though the payment problem was caused by fraud - I had to close the XXXX  account because of fraud, which caused the automated withdrawal to be returned. Again, I am being punished for being a fraud victim. 

The bank stated they could only restore my cards with a new credit analysis. My credit score is lower than it was last year due to fraud. This creates a circular trap - fraud damages my credit, then the bank uses that fraud-damaged credit to deny restoration of accounts that were closed due to fraud. 

This appears to be a systematic pattern. I found a XXXX video from within the last XXXX weeks about a man in XXXX whose account was frozen for " fraud '' with no explanation. His account was not restored until local news got involved. This is the same pattern - banks freeze accounts claiming fraud, provide no explanation, and only respond when pressured by media or regulators. 

Additionally, I discovered XXXX account was created by a third party called " XXXX XXXX '' without my authorization or knowledge. I had worked with XXXX XXXX XXXX XXXX. In XXXX XXXX, when I called the bank about account issues, XXXX XXXX was on multiple phone calls with the bank. However, the bank now claims they don't work with XXXX XXXX  and have no knowledge of them - despite XXXX XXXX  being present on my customer service calls and creating an account in my name. This contradiction is extremely suspicious. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX came under FTC investigation. When I disclosed to the bank that XXXX XXXX  was under FTC investigation and that I had information about my experiences with them, the bank asked me to obtain follow-up communication from the FTC investigators and " circle back '' with them. 

The bank then closed all my accounts on XXXX of the week I was obtaining the FTC documentation as they requested. They did not wait for me to provide the documentation. This appears to be retaliation for questioning the XXXX XXXX relationship and for disclosing that this third party was under federal investigation. 

The bank also stated they don't notify customers for XXXX weeks after closing accounts, which prevented timely fraud reporting. 

I have comprehensive technical evidence including phone system logs, XXXX spectrum analysis, video footage of device installation, and complete timeline documentation available.

Company response to consumer: Closed with explanation