JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Closing/Cancelling account California

I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She - in 2010. Prior to this her FICO was near -. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming - and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ - to $ -. This was not an issue, as she rarely used the card. My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we


When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. I have been trying to repair my mother 's credit score since her -. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.