Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hi, My name is XXXX XXXX. 

In the whirlwind of the past 20 months, where Chases abrupt and unexplained shutdown of my account precipitated a cascade of financial and personal upheavals, the complexities of my situation have only deepened. This shutdown, a stark and brutal cutoff, left me with no means to manage, much less repay, my credit card debts across my XXXX XXXX, XXXX, and Chase accounts. Chase, serving as my sole financial conduit in the XXXX XXXX, became a barrier to the very obligations I sought diligently to fulfill. 

The sudden inability to access my funds not only resulted in four late payments but also underscored a grave oversight by Chase : the failure to issue a final check. This critical lapse has extended the tendrils of disruption into the very foundation of my life here, including my academic pursuits. 

Each month, as I reached out to Chase, I was met with a XXXX XXXX that offered no respite or solutions, merely elongating my XXXX  and deepening my XXXX  and XXXX. These mental health challenges, spawned by relentless XXXX and uncertainty, have forced me into a leave of absence from my studies, jeopardizing my educational trajectory and placing me at imminent risk of deportation. 

I had contacted Chase multiple times, and an agent assured me that even though my account was closed, my credit card payments would be automatically handled because my account balance was sufficient. Trusting the Chase agents assurance was the biggest mistake of my life, which was soon followed by four late payments. My credit score plummeted from over XXXX to below XXXX, fearing that I might be ineligible for any loans for the next seven years.

My repeated inquiries and pleas for access or at least some form of resolution were continually disregarded. The late payments labeled on my credit history are not just markings of financial slip-ups but stark indicators of a failure by my bank to provide basic access and services.

Now, with the absence of the final check, my financial stability is more threatened than ever, pushing me toward potential expulsion from my academic institution and the country. This situation raises critical questions about the responsibilities of financial institutions to their customers, especially international students and other vulnerable groupswho depend heavily on these banking services for not just financial transactions but their legal residency and right to study.

The dispute over these late payments transcends mere financial inconvenience ; it touches on fundamental rights and the duties of a bank to act not just as a business, but as a custodian of trust and security in its customers ' lives.

I am now at a juncture where resolving this dispute is not just about correcting my credit record ; it's about restoring my lifes path and securing my future in the United States. This plea for my final check and the reversal of the late payment records is a plea for justicean urgent call that Chase rectify the profound errors that have marked this harrowing chapter of my life.

Company response to consumer: Closed with explanation