Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir or Madam, Re : Complaint Regarding Closure of Credit Card Accounts and Denial of New Application Accounts Ending in XXXX ( XXXX Credit Card ) and XXXX ( Business Credit Card ) I am writing to lodge a formal complaint concerning the handling of my credit card accounts with Chase Bank. Specifically, I refer to the abrupt closure of my XXXX credit card account ending in XXXX and my business credit card account ending in XXXX, which occurred without any prior notification or adequate explanation. Furthermore, my recent application for a new Chase Sapphire XXXX XXXX account was denied, a decision that has further exacerbated the negative impact on my credit profile. I find the manner in which these matters have been managed to be profoundly unsatisfactory and indicative of discriminatory practices, whereby the bank appears to be abusing its position of authority without due regard for customer rights or transparency. 
To provide context, I have been a longstanding customer of Chase Bank, maintaining accounts in good standing until these recent events. The closure of the aforementioned accounts was executed unilaterally, without affording me the opportunity to address any underlying concerns or to mitigate potential disruptions to my financial affairs. This lack of communication has not only caused considerable inconvenience but has also adversely affected my credit score, as such closures are reported to credit bureaus and can signal instability to future lenders. I demand a comprehensive explanation for these closures, including the specific reasons, the criteria applied, and any evidence relied upon in reaching this decision. Absent such details, the actions appear arbitrary and potentially discriminatory, contravening principles of fairness enshrined in consumer protection laws, including the Equal Credit Opportunity Act. 
Additionally, on or around XX/XX/XXXX, I received notification of the denial of my application for a new Chase Sapphire XXXX XXXX account ( Reference Number : XXXX ). The stated reasonsnamely, too few accounts on consumer credit file reported recently and insufficient or no balance in Chase deposit and/or investment accountsseem incongruent with my financial history and may be a direct consequence of the prior account closures. This denial has further damaged my credit standing through the associated hard inquiry, and I do not appreciate the banks role in precipitating this outcome without prior consultation or remedial options. I request a full review of this decision, including access to the credit report information utilised ( from XXXX, as referenced in your correspondence ), and an opportunity to rectify any perceived deficiencies. 
In light of these issues, I also draw attention to prior communications regarding unauthorized transactions on a related account ending in XXXX, as detailed in your letters dated XX/XX/XXXX, and XX/XX/XXXX. While those matters pertain to fraud investigations, the overall pattern of account managementencompassing closures, temporary credits, and subsequent denialssuggests a systemic lack of accountability and customer-centricity. As a bank, Chase holds significant power over individuals financial well-being, and I believe this power is being exercised irresponsibly in my case. 
I urge you to investigate this complaint thoroughly and provide a substantive response within 14 days, addressing each point raised. Should the matter remain unresolved, I shall have no hesitation in escalating it to the Consumer Financial Protection Bureau or pursuing other avenues, including legal recourse if necessary. I enclose copies of relevant correspondence for your reference. 
Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation