Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
On XX/XX/year>2025, I went into the XXXX, NJ Chase bank - located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX to withdraw funds. Per the branch rule I was limited to withdrawing no more than {$5000.00} of funds. Hence reluctantly I agreed to their rule, and provided standard identification ( license, and debit card ) for proof of identity to withdraw the {$5000.00} in funds. Upon submission of my identification the branch refused to release my funds and requested that I provide additional identification to include ( SS #, signature, address verification, phone number, verification of wifes nameetc ). I complied with their request and continued to wait. As I was waiting the branch also decided to file a CTR for under {$10000.00} for my {$5000.00} withdrawal. Hence it is not typical behavior of a bank for an amount under {$5000.00} for withdrawal. This process of waiting and supplying requested identification from the branch lasted approx. 20 mins or so. I went to other branches of Chase bank on that same day to withdraw funds and my experience at those branches were vastly different. Given I made a complaint internally with Chase bank per my negative experience as a prior Client of the bank. None of my concerns or issues were addressed. Chase bank decided instead to reduce my credit line of {$5400.00} by cancelling out one of my credit cards. Furthermore, putting me at risk for having my credit score affected in the future. 

On XX/XX/year>2025, I went to XXXX, NJ Chase bank - located at XXXX XXXX XXXX, NJ XXXX to withdraw funds. From those funds withdrawn I received a potentially {$100.00} counterfeit bill. There were other questionable {$100.00} bills that I received during that transaction in my opinion, which I requested to be replaced. Unfortunately, I missed one ( 1 ) of those questionable bills. After receiving this bill from the branch, I proceeded to my XXXX XXXX bank for deposit. XXXX XXXX Bank was unable to verify if the bill was counterfeit or not. This decision was decided after XXXX XXXX bank running the {$100.00} bill through all their machines. Given the {$100.00} bill was confiscated and sent to the XXXX XXXX. I requested XXXX, NJ Chase Bank, to reimburse me for my loss of funds. They have refused to honor my request. 

On XX/XX/year>2025, I went to XXXX, NJ Chase bank - located at XXXX XXXX XXXX, NJ XXXX to make a complaint about XXXX, NJ Chase Bank in reference to the closure of my credit card - credit line of {$5400.00}. On call was the XXXX DE Chase Bank Call Center. The Call Center Employees refused to answer my questions. They also refused to answer the XXXX, NJ XXXX XXXX questions. Upon making that complaint I later found that I was removed from usage of another credit card credit line of {$30000.00} that me and my spouse share jointly. Hence this decision by Chase Bank directly affected my purchasing power, and potentially in the future will affect my credit score. 

On XX/XX/scrub> 2025, and XX/XX/year>2025, I received letters from XXXX, DE Chase Bank falsely stating that I exhibited inappropriate conduct to their employees. This is factually incorrect. They refuse to explain what that inappropriate conduct is in detail. My conduct from XX/XX/scrub> 2025, through XXXX XXXX, 2025 was to withdraw my funds without hassle, have my complaints heard, refund me for my {$100.00} loss, and reverse the credit card cancellation decisions. Instead, Chase bank decides to make false allegations of my conduct to sidetrack the fact that their customer service, and decision making on my behalf demonstrated unprofessionalism. 
I am respectfully requesting assistance with respect to my matter with Chase bank.

Company response to consumer: Closed with explanation