Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am adding to my complaint XXXX. I am writing with an important update to my complaint. As a XXXX citizen, XXXX XXXX XXXX XXXXXXXX XXXX I am requesting your immediate attention and resolution of an issue that has caused me significant distress and financial harm. 

After several days of personal investigation into why my credit card accounts were suddenly closed with no warning in violation of TILA Act,, a nice teller at the branch today showed me internal notes indicating an alert citing inappropriate behavior on XX/XX/XXXX. What inappropriate behaviour? When? How? There has been none! This is deeply troubling and factually incorrect I was not even present at any branch on XX/XX/XXXX or that week, nor was I contacted by anyone at Chase regarding any such allegation at any point. If there were truly a concern, I would expect to be notified by phone and given an opportunity to respond? Instead, I am left questioning the origin of this claim and whether it is a rogue bank hacker or gender and XXXX bias and if I am being targeted. No incident has been presented to me and I documented with the bank teller this afternoon there was no record of any incident occurring. So this is with a rogue bank hacking and causing issues or discrimination or misunderstanding? As literally i did nothing werkng, no inappropriate behaviour occurred and there is no record of such nor was I contacted for my side of the story if there was. 

As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can not help but raise the question : is this a case of XXXX XXXX XXXX XXXX? I am an American citizen but This would not be the first time Ive experienced such treatment within the Chase system. In XXXX, when I attempted to open a business account, I filed a complaint for XXXX XXXX  which Chase acknowledged and agreed on the phone, promising staff retraining at that time. While most of my experiences with Chase staff have been positive, there remain troubling instances of discriminatory behavior that can not be overlooked.Why am i being targeted with an alert suddenly when nothing has occurred indeed I havent even been into the branch except close my account and seek information past day or so and both visits were smooth., On Friday evening, XX/XX/XXXX, both of my active Chase credit card accounts XXXX XXXX ( ending in XXXX ) and XXXX XXXX XXXX ( XXXX ) were suddenly closed without warning or explanation. This action appears to violate the Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z ( 12 CFR Part 1026 ), which governs notification requirements for significant account changes. 

Both accounts have always been maintained in excellent standing : I consistently make minimum or greater payments on time There have been no late or missed payments My credit score is stable ( currently XXXX ) Both cards were well under their credit limits at the time of closure One had a {$0.00} balance and the other carried only {$87.00}, not due until XX/XX/XXXX Despite this, the cards were closed without any prior written notice, email, or phone call. When I visited my local branch the following day, I was informed again without documentation or written reason that my other accounts may also be closed, and that the credit card closures were due to bank policy and allegedly came from high up. This is wholly unacceptable. Not only that you are denying me my full benefits of both cards. 

Furthermore, I was recently involved in a dispute over a fraudulent or misrepresented XXXX charge, for which I exercised my right to file a complaint. I have not been notified of any resolution on that dispute. If the closure of my accounts is in any way connected to that dispute or if an individual involved in that transaction ( possibly an IT professional with ties to Chase ) retaliated that raises serious concerns about conflict of interest and internal conduct. 

I wish to be clear : I have done nothing wrong I have abided by all bank terms and cardholder agreements No valid reason has been provided for the closures No 45-day notice was issued as required under TILA Additionally, I note that the APR originally disclosed at account opening was 12 %, but recent statements reflect a 29 % rate, which may merit further regulatory scrutiny.

I respectfully request the following : Immediate reinstatement of my credit card accounts Issuance of new replacement cards Formal written explanation of why the accounts were closed Review and waiver of any fees or penalties associated with this event Confirmation that my credit score and account history will not be negatively impacted I have also received a high volume of phishing calls recently, and I am concerned about the security of my account. Please investigate any unauthorized internal or external actions that may have contributed to this situation. 

This incident has caused significant stress and disruption to my financial life. I would appreciate your personal attention to this matter and a resolution as soon as possible. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Account ending in : XXXX ( XXXX XXXX )

Company response to consumer: Closed with monetary relief