Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding a new and separate incident involving Chase Bank. 

After Chase abruptly closed my XXXX primary credit cards on XX/XX/year> ( without warning or explanation, and during a business trip ), my Chase Online Banking account prompted me to apply for a new credit card. I applied, and within XXXX hours, I was approved for the new card : Freedom Flex. This approval required Chase to review my credit, resulting in a hard inquiry on my credit report. I applied for this card about a week after my calls to Chase failed to resolve or explain the prior account closures. Yet, I hoped that the new offer was a gesture of good faith from Chase, showing that it continued to value me as a customer after XXXX years of banking with them. 

However, on XX/XX/XXXX, XXXX days after its openingChase closed this newly approved credit card as well, again without explanation or notification. 

I had not made any transactions with this new card. I had not violated any account agreements or policies. Yet, Chase still sent me the physical card and the welcome email/letter on XX/XX/year>, as shown in the pictures. 

I want to stress that the only action I took was applying and being approved, based on Chases invitation through my online banking portal. 

This patternapproving me for a new card and then closing it within a weekis strongly retaliatory, especially since the closure of my previous cards was already under dispute and is, as of now, still under investigation without a detailed response. This attitude was brutal, and the unnecessary hard inquiry on my credit report ( which caused my score to drop ) has further harmed me financially. It felt like a direct, vindictive attack on my finances and a careless banking maneuver, especially since my application was reviewed and approved manuallyit took almost XXXX hours for someone to review my application, so it was not an automatic, instant acceptance that could be claimed as a system error. Even if that were the case, being baited into applying for a card that Chase never intended to keep open shows Chases true predatory face.

Again, I reiterate the details of my claim : I have been an exemplary Chase cardholder and banking customer for about XXXX years, never missed a payment, and my credit score remains as high as XXXX, even after Chases hard inquiry. Right now, Chases hostility and shady attitude not only damage my finances but also threaten my ability to plan for the future, buy a house, and investall while infringing on my rights as a citizen to hold fair banking. 

Chases behavior may violate fair credit application and use practices, as well as the Equal Credit Opportunity Act, since Chase is now clearly and directly denying me access to any of their credit products without just cause or transparency, as demonstrated by their inadequate response to the original complaint and this second attack on my ability to hold fair banking with them.To Whom It May Concern : I am filing this complaint regarding a new and separate incident involving Chase Bank.

After Chase abruptly closed my XXXX primary credit cards on XX/XX/year> ( without warning or explanation, and during a business trip ), my Chase Online Banking account prompted me to apply for a new credit card. I applied, and within XXXX hours, I was approved for the new card : Freedom Flex. This approval required Chase to review my credit, resulting in a hard inquiry on my credit report. I applied for this card about a week after my calls to Chase failed to resolve or explain the prior account closures. Yet, I hoped that the new offer was a gesture of good faith from Chase, showing that it continued to value me as a customer after XXXX years of banking with them. 

However, on XX/XX/XXXX, XXXX days after its openingChase closed this newly approved credit card as well, again without explanation or notification. 

I had not made any transactions with this new card. I had not violated any account agreements or policies. Yet, Chase still sent me the physical card and the welcome email/letter on XX/XX/year>, as shown in the pictures. 

I want to stress that the only action I took was applying and being approved, based on Chases invitation through my online banking portal. 

This patternapproving me for a new card and then closing it within a weekis strongly retaliatory, especially since the closure of my previous cards was already under dispute and is, as of now, still under investigation without a detailed response. This attitude was brutal, and the unnecessary hard inquiry on my credit report ( which caused my score to drop ) has further harmed me financially. It felt like a direct, vindictive attack on my finances and a careless banking maneuver, especially since my application was reviewed and approved manuallyit took almost XXXX hours for someone to review my application, so it was not an automatic, instant acceptance that could be claimed as a system error. Even if that were the case, being baited into applying for a card that Chase never intended to keep open shows Chases true predatory face.

Again, I reiterate the details of my claim : I have been an exemplary Chase cardholder and banking customer for about XXXX years, never missed a payment, and my credit score remains as high as XXXX ( XXXX XXXX, just before the card hard inquiry ). Right now, Chases hostility and shady attitude not only damage my finances but also threaten my ability to plan for the future, buy a house, grow, and investall while infringing on my rights as a citizen to hold fair banking and have access to my new and long-established credit lines. 

Chases behavior may violate fair credit application and use practices, as well as the Equal Credit Opportunity Act, since Chase is now clearly and directly denying me access to any of their credit products without just cause or transparency, as demonstrated by their inadequate response to the original complaint and this second attack on my ability to hold fair banking with them.

Company response to consumer: Closed with explanation