Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Subject : Request for Review of Chase Credit Card Account Closures and Inconsistent Handling To Whom It May Concern, I am writing to formally request your assistance in reviewing a matter involving JPMorgan Chase Bank and the closure of my credit card accounts. While I take responsibility for an error on my part, I believe Chases handling of my accountsparticularly the issuance and subsequent closure of a third accountraises concerns about their processes and fairness. 

Background I held XXXX credit card accounts with Chase : Account ending in XXXX : Opened on XX/XX/XXXX, and closed on XX/XX/XXXX. 
Account ending in XXXX : Opened on XX/XX/XXXX, and closed on XX/XX/XXXX, alongside the first account. 
Third account : Opened and closed in XX/XX/XXXX, issued through Chases system as a pre-approved offer after the closure of my first XXXX accounts. 
The first XXXX accounts were in good standing, with no missed or late payments. Occasionally, I filed disputes through Chases app when dissatisfied with purchases, and these disputes were often resolved in my favor.

The Incident The issue began when I disputed a {$38.00} charge from an auto mechanic. The mechanic charged me for an incomplete service, and I believed the charge was unjustified. While attempting to dispute the charge via the Chase app, I mistakenly selected the option for an " unauthorized transaction '' instead of accurately describing the issue. 

Following an investigation, Chase determined that this misuse, along with past disputes, violated their policies, leading to the closure of my first XXXX accounts. While I regret the error and accept responsibility, I am concerned about what happened next. 

Concerns About Chases Handling Issuance and Closure of the Third Account : After closing my first XXXX accounts, Chases system pre-approved me for a third credit card, which was automatically approved when I accepted the offer via their mobile app. I applied in good faith, believing this indicated a willingness to continue our relationship. However, Chase closed this account shortly after its issuance, citing the same reasons as the previous closures. This inconsistency is both confusing and frustrating. 

Lack of Transparency : While I understand Chases right to close accounts for policy violations, issuing and then closing the third account undermines the rationale for the initial closures. Additionally, Chase removed the details of this third account from my online banking profile, making it difficult for me to reference it. 

Impact on My Credit Report and Score : The closure of all three accounts has been reported as closed by grantor on my credit report. Despite my excellent payment history and a prior credit score of around XXXX, these closures reduced my score to XXXX. This has negatively affected my ability to obtain new credit, as recent applications to other issuers were denied.

Requested Resolution I respectfully request the following : A formal review of Chases decision to issue and then close the third account after terminating my first XXXX accounts. 
An explanation of Chases internal processes to ensure customers are not subjected to such inconsistent treatment. 
If possible, reconsideration of the decision to close my third account, as its issuance implied a willingness to maintain the relationship. 


I acknowledge the importance of adhering to policies and take responsibility for my mistake in filing the dispute. However, I believe Chases actions, particularly the issuance and closure of the third account, were inconsistent and have unnecessarily impacted my credit score and financial standing. 

Thank you for your time and attention to this matter. I look forward to your response and hope for a fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX

Company response to consumer: Closed with explanation