Consumer complaint received 2024-12-24 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: PR

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the handling of my XXXX XXXX credit card account issued by Chase, which was approved under the Amazon promotion . My complaint concerns the unexpected closure of my account, the lack of clear communication, and the negative impact this has had on my credit score. 
Facts of the Situation : 1. On XX/XX/2024, I was approved for the XXXX XXXX credit card through an Amazon promotion. As per the promotion, this card was set to be my preferred payment option for Amazon purchases. 
XXXX. On XX/XX/2024, I received my physical card and proceeded to register it online. After completing the registration process, I was met with a message stating that my account had been closed. 
XXXX. I immediately contacted Chase customer support to inquire about the status of my account. I spoke with three representatives, as follows : XXXX XXXX ( First Representative ) : Confirmed that the account was closed but could not provide any explanation or reason for the closure. She transferred me to another representative. 
o XXXX ( Second Representative ) : Stated that the closure might be due to the banks inability to verify my information and referenced a letter that was supposedly sent on XX/XX/2024. She indicated that the account was closed because no response was received. XXXX then transferred me to another representative to discuss reestablishing the account. 
o XXXX ( Third Representative ) : Informed me that she could not assist with reopening the account, as the closure was initiated by the bank, and she was unable to reverse the decision. 
Concerns : XXXX. No Communication : I never received the letter that XXXX referred to, and even if one had been sent, the time frame provided for a response was insufficient. The failure to communicate this action in a timely manner, particularly when a credit decision of this nature can severely impact one 's credit, is deeply concerning.

2. Unexplained Account Closure : There was no valid explanation provided for why my account was closed. Despite speaking with three different representatives, I received conflicting and unsatisfactory answers.

3. Impact on Credit Score : The account closure, following a hard credit inquiry, has impacted my credit score. This situation appears deceptive and unfair, as I was not given a reasonable opportunity to respond to any communication, and the account was closed in less than a month.

4. Lack of Resolution : Despite my efforts to resolve this matter by contacting Chase, I was unable to find a viable solution or even speak to a department that could assist with this issue.

Request for Resolution : 1. A thorough investigation into why my account was closed and why I was not properly notified in advance. 
XXXX. Restoration of my account, if feasible, to prevent further damage to my credit report. 
XXXX. A clear explanation of how Chase plans to address such issues in the future to ensure that customers are not unfairly affected. 
I am deeply disappointed with the lack of transparency and customer service throughout this process. It is unacceptable for a financial institution to take such actions without proper notice or consideration of the consequences it has on its customers ' credit and financial well-being. 
Please contact me at your earliest convenience to confirm that this complaint has been received and is being addressed. I look forward to your prompt response and assistance in resolving this matter.

Company response to consumer: Closed with explanation