Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, a Chase Bank customer. I am an XXXX XXXX and a lawful permanent resident of the United States. Recently, Chase Bank suddenly XXXX XXXX of my family 's credit card accounts, including one where my wife is the primary account holder. We first discovered this when new cards arrived for my new XXXX XXXX credit card account in the mail but did not work, and also when on the same day, my wifes Chase XXXX credit card was unexpectedly declined at the grocery store. 
We have been responsible users of our Chase credit cards for years and have always made our payments on time. There has never been an issue with our account history or repayment record. 
When I called Chase, I was transferred multiple times, and representatives refused to provide a clear explanation as to why our accounts were closed. One representative admitted that we should have received a closure letter but then confirmed that no letter had been sent. Eventually, another representative stated that the closures were due to sanctions on XXXX and instructed me to visit a branch with my drivers license, passport, and green card to reinstate the accounts. 
At the branch, the manager called the Chase sanctions department several times. Despite these efforts, my accounts were not reinstated. The manager eventually passed the phone to me, and the Chase representative I spoke with said they did not know why my accounts had been closed and instructed me to wait for a letter in the maileven though I explained that a different Chase representative had already told me earlier on a call that my accounts were closed due to sanctions on XXXX. 
Chase appears to have closed my accounts solely because of my Iranian citizenship, even though I am a XXXX permanent resident living in the United States. XXXX sanctions apply to individuals and businesses in XXXX, not to lawful XXXX residents of Iranian nationality. By closing my accounts in this way, Chase has acted in a discriminatory manner and failed to comply with notice requirements. 
This conduct violates : The Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination on the basis of national origin in credit.

Bank regulations requiring timely and clear written notice of account closures.

I request that the CFPB require Chase to : 1. Provide a full explanation for why my accounts were closed and why I never received timely written notice prior to account closures.

2. Reopen my accounts and restore access to credit as soon as possible, since I am not subject to OFAC restrictions.

3. Correct its sanctions compliance practices to ensure lawful U.S. permanent residents are not penalized solely on the basis of citizenship and nationality.

4. Take appropriate measures to remedy the harm, stress, and inconvenience this situation has caused me and my family. 

These closures have disrupted my familys financial accounts, unfairly penalized my wife, who is an XXXX XXXX, as a primary cardholder, and caused stress, embarrassment, and uncertainty, including the public denial of my wifes card at a grocery store. Thank you in advance for your assistance in this distressing matter. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief