Credit card -- Closing your account -- Complaint #16977453
Complaint Overview
Complaint ID: 16977453
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Massachusetts
ZIP Code: 02119
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint to formally appeal the decision by the Chase Fraud Department to close both my personal credit card ( XXXX and XXXX ) and my XXXX XXXX credit card ( XXXX ) on XX/XX/year>. The stated reason for closure is a " pattern of abuse/misuse of the claims process. '' I assert this finding is a severe misinterpretation of a one-time event and my good-faith efforts to manage a legitimate merchant issue. Key Facts Showing Good Faith : 1. High Spend/One-Time Event : The high volume of claims occurred only at the beginning of this year due to a cluster of transactions from unreliable merchants, directly correlated to my high overall spend. 2. Dispute Withdrawal as Proof of Intent : In every case where I contacted Chase to close an open dispute, it was done immediately because I had secured a refund or delivery directly from the merchant. This proves I used the dispute process as a backstop, promptly removing the administrative burden from Chase the moment an outside resolution was found. I was not abusing the system ; I was being proactive and responsible. 3. Responsibility : When a fraud report was determined to favor the merchant, I accepted the ruling and immediately paid off the full outstanding balance, demonstrating full financial responsibility. The Disproportionate Closure : The closure of my XXXX XXXX Card ( XXXX ) based on activity contained to a temporary personal incident is highly disproportionate. The XXXX XXXX Card has an impeccable payment history and is a vital tool for my business operations. I request that the Chase Executive Response team manually review my file and reinstate both my personal and business credit card accounts.
Frequently Asked Questions
What is Complaint #16977453 about?
Complaint #16977453 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-11-02T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.