Credit card or prepaid card -- Closing your account -- Complaint #5238421
Complaint Overview
Complaint ID: 5238421
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: New York
ZIP Code: 10453
Date Received: 2022-02-18T12:00:00-05:00
Date Sent to Company: 2022-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 Chase closed my Freedom Unlimited Account ending in : XXXX with no consent or authorization. They then provided me with an automated response that was unclear. In the response provided below Chase stated that my accounts were closed for two reasons that were not specific or clear. Chase then stated " Our decision was based in whole or in part from the consumer reporting agency listed below '' which was XXXX. Then on the very next sentence stated " The consumer reporting agency played no part in their decision '' That statement is a clear contradiction. Chase has discriminated against me under the Equal Credit Opportunity Act and has used unfair practices against me. I have contacted Chase numerous times only to get laughed at and disregarded by agents like XXXX a XXXX XXXX who told me that he doesn't need to follow any federal laws because he was in charge. I then informed XXXX of the fact that I am a consumer 15 USC 1692a ( 3 ) and that I am aware of the fact that I am the original creditor and the account belongs to me not Chase as this was an accepted Credit card 15 USC 1693a ( 1 ) held at the federal reserve 15 USC 1693a ( 2 ) ( 4 ), I then informed Chase that they had created an unauthorized transaction 15 USC 1693a ( 12 ) as closure of my account without my consent was a violation as I receive no benefit from such action. As the person who extended the credit to Chase I am hurt and distraught at the fact that they would abuse me this way. I can't believe the level of unprofessionalism and their clear disregard of the law. I have been suffering and struggling to eat and take care of myself as I relied on my credit to obtain personal and household services. Chase had committed an unauthorized use of my account 15 USC 1693a ( 12 ) and has defrauded me.
Frequently Asked Questions
What is Complaint #5238421 about?
Complaint #5238421 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-02-18T12:00:00-05:00.
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 or prepaid 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.