Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
Subject : Unfair Closure of Chase Credit Card Account Despite Legitimate Disputes Complaint : On XX/XX/2025, JPMorgan Chase Bank , N.A . closed my credit card account, citing a pattern of abuse of our claims process in their closure letter. However, all disputes I filed with Chase were resolved in my favor, confirming their legitimacy. I believe this closure is unfair, lacks sufficient explanation, and may violate federal consumer protection laws. I am requesting that the CFPB investigate Chases actions and seek resolution. 

Details : I filed disputes with Chase for legitimate reasons, such as unauthorized charges, non-delivered goods, or billing errors. All disputes were approved by Chase, resulting in refunds or statement credits. For example : Dispute XXXX : e.g., Dispute on XX/XX/2025, for {$200.00}, resolved in my favor on XX/XX/2025, due to purchase cancelled by me. Chase refunded the amount after verifying the claim and stating that " WE CLOSED THIS DISPUTE AND CHANGED THE TEMPORARY CREDIT WE ISSUED YOUR ACCOUNT INTO PERMANENT CREDIT AFTER WE REVIEWED YOUR DISPUTE WITH THE MERCHANT AND DECIDED IN YOUR FAVOUR '' Dispute XXXX : e.g., Dispute on XX/XX/2025, for {$210.00}, resolved in my favor on XX/XX/2025, due to non-delivery of goods. Chase issued a credit after confirming with the merchant stating that " we resolved your dispute, We gave you a temporary credit when we opened the dispute. That credit will remain on your account. '' In total i have filed XXXX disputes and all disputes are ruled in my favour. so, all the disputes i have filed with the chase are legitimate and all the disputes are ruled in my favour both by the merchant and the chase bank Since Chase approved these disputes, their investigations confirmed the claims were valid under their policies and the Fair Credit Billing Act ( XXXX, 15 U.S.C. XXXX ). 

Despite this, Chase closed my account, alleging a pattern of abuse without providing specific examples or evidence of wrongdoing. This vague explanation prevents me from understanding or contesting their decision. 

I believe Chases actions may violate the following consumer protections : Fair Credit Billing Act ( XXXX ) and Regulation XXXX ( XXXXXXXX XXXX  XXXX ) : The XXXX and Regulation XXXX protect my right to file disputes for billing errors, unauthorized charges, or non-delivered goods. Chases approval of all my disputes confirms I followed their process correctly and that the claims were legitimate. Closing my account despite these approvals suggests a failure to handle disputes in good faith, potentially violating XXXX and Regulation XXXX. 

Equal Credit Opportunity Act ( XXXX, 15 U.S.C. XXXX ) : XXXX requires creditors to provide specific reasons for adverse actions like account closure. Chases vague pattern of abuse statement does not meet XXXX requirement for a clear explanation, hindering my ability to respond or appeal. 

Consumer Financial Protection Act ( Dodd-Frank Act, XXXX XXXX. XXXX ) : Closing my account without evidence of abuse, after approving all disputes, may constitute an unfair or deceptive act or practice ( XXXX ) under the Dodd-Frank Act. The lack of transparency and the harm caused by the closure ( e.g., loss of credit access, potential credit score impact ) support this claim. 

The closure has caused significant inconvenience, including loss of access to my primary credit card, potential negative impact on my credit score, and Chases indication that I may not open similar accounts in the future. I attempted to resolve this with Chase by calling customer service on XX/XX/2025, but received no further details except stating that we can not provide further information So, I am seeking CFPB assistance, but the issue remains unresolved. 

Relief Requested : Reinstatement of my credit card account, as the closure lacks justified grounds. 
A detailed explanation from Chase specifying the alleged pattern of abuse, including evidence of any improper claims. 
Correction of any negative information reported to credit bureaus related to this closure. 
Confirmation that Chases actions comply with XXXX, XXXX, Regulation XXXX, and XXXX  standards. 

I appreciate the CFPBs assistance in investigating this matter and ensuring Chase adheres to consumer protection laws. Please contact me if you need further information.

Company response to consumer: Closed with explanation