Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Reference Account Ending in XXXX On XX/XX/XXXX, I entered into a legally binding Stock Purchase Agreement ( attached ) effectively requiring that I be removed from all ( Chase Bank ) accounts associated with XXXX XXXX XXXX XXXX XXXX. This legally binding agreement was submitted to Chase Bank at that time. 

In XXXX of this year, I was alerted that my credit score had significantly decreased and, when I inquired about the activity on my credit account, I discovered that Chase Bank had never removed me from the Chase Bank Card associated with Level One Protection.

Since that time, I have worked tirelessly to remove my name from the account and have encountered many obstacles in dealing with your service associates and managers. I was inadvertently sent the wrong forms that had no influence on any account name change. It was only after several inquiries about the status of my request that I was informed that the paperwork I submitted was received, but never processed due to it being the wrong form.

When I was sent the correct Change of Authorized Officer form, I completed it in a timely manner and submitted it along with all of the requested information and signatures. On XX/XX/XXXX my former business associate contacted me advising that his credit report was run by Chase Bank and that I would soon be removed from the Chase account. Several days later, I received a letter from Chase Bank ( dated XX/XX/XXXX the same day that my former business associate was told I would be removed from the account ) stating that the account was ineligible for an Authorized XXXX Change. 

On XX/XX/XXXX, I spoke to several Chase representatives, including two supervisors. After almost an hour of questioning I was told that the Authorized Officer change was denied due to {$110.00} being owed on the Chase Bank Card. I verified with supervisors XXXX and XXXX that once the account was in good standing the XXXX XXXX XXXX would take place. I immediately requested to make a payment to the account in order to bring it into good standing. XXXX reluctantly took the payment over the phone and advised me that it may take two days for the payment to process. He confirmed that when the account was in good standing, the Change of Authorized Officer would proceed. On XX/XX/XXXX, I contacted Chase and spoke with XXXX who verified that the account was now in good standing. 

On XX/XX/XXXX, after not having received a response from Chase Bank I contacted XXXX Chase Bank representatives, one of whom is a supervisor named XXXX. XXXX stated that the my request to have my name removed from the account was denied on XX/XX/XXXX because the account was not in good standing. I explained to her that I paid the balance to render the account in good standing on XX/XX/XXXX and verified it was in good standing on XX/XX/XXXX. She stated that the account would be once again placed in XXXX XXXX. 

On XX/XX/XXXX my former business partner, XXXX XXXX paid {$1000.00} toward the account to ensure that it was in good standing during the XXXX XXXX process. 

On XX/XX/XXXX, I spoke with Chase representative XXXX who confirmed that the account was in good standing, and stated that my name would definitely be removed. 

On XX/XX/XXXX, I spoke with Chase representative XXXX who verified that the account was in good standing and said that my name would be removed in a day or XXXX. 

On XX/XX/XXXX, I received a letter from Chase Bank dated XX/XX/XXXX, advising me that my name could not be removed because the account was not in good standing. 

I am demanding that my name be removed from all accounts associated with XXXX XXXX XXXX XXXX XXXX, including the Chase Bank Card associated with account ending in XXXX. I relinquished all legal rights to XXXX XXXX XXXX and any associated accounts over five years ago! Chase Banks decision not to remove me from the account thus far has had a negative effect on my credit and has caused me undue stress. I am currently the final candidate for a position as the head of a local City Department and a credit check is pending as part of my background process. Disregarding the erroneous activity attributed to me on the Chase Bank Card, I have always had nearly perfect credit. On XX/XX/XXXX, I attempted to buy my youngest son a car, and was denied XXXX XXXXXXXX credit due to the blemishes on my credit reporting from Chase Banks refusal to remove me from the account that I have no legal right to! 

I have complied with all requests from Chase Bank, have spoken with over 20 Chase representatives, and have completed all necessary paperwork. Please remove me from this account immediately. Once again, I have no legal right to any accounts associated with XXXX XXXX XXXX, and have not had any dealings with the company for over five years. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation