Let me state FIRST that I’m going to go on the record and suggest you just let it go and move on. Long Term it probably isn’t worth the hassle and it probably will never become a lawsuit anyway.
That said according to attorney Michael Fattarosi, your account cancellation “may be actionable” under a California law called the Unruh Act.
It has a mandatory damage of $4000.00 per incident.
The Unruh Act states :”All persons within the jurisdiction of this state are free and equal, and no matter what their sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation are entitled to the full and equal accommodations, advantages, facilities, privileges, or services in all business establishments of every kind whatsoever”
If you want to consider this you should have a copy of your original paperwork from when you opened your account and you must have opened your account in the State of California.
Heres what fattarosi said:
There are several problems with suing Chase. The first is that no one kept their account agreement when they signed up. I need to see that first to determine whether there’s an arbitration clause governing the situation.
I also need to see if there’s a class action waiver. And if there’s a federal law preemption of state law.
In many ways that agreement controls. However the “we can close your account for any reason” may not.
In general it’s not a great case but in California we have the Unruh Act which may make this discrimination actionable. Unruh Act has been used in situations when businesses denied service to customers with long hair or tattoos. It’s very broad. This is a larger stretch but US courts abhor discriminatory practices.
In Cali even “Ladies Nights” are actionable or even giving women discounted anything ends up in a lawsuit.
So it’s possible but I need to see the initial agreement.
So bottom line if you think you want to proceed sounds like Michael Fattarosi is the only guy even considering it, he can be contacted via his website www.adultbizlaw.com