Consumer complaint received 2018-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wish to bring this matter before the CFPB. 
XXXX has been reporting adverse and negative information about me to creditors. In fact it seems that this credit reporting agency is trying to damage my credit and my life. 
I have no words to describe the numerous rejection letters from all companies in the last 7 months, all attesting that the report came from XXXX. 

The last straw was that I went to open an account last week with CHASE in XXXX XXXX and everything was fine until this morning when I received a mail from CHASE ( letter attached ) that they are going to cancel my account and close it because they received adverse information from my credit file through XXXX to do so. 
What? 
What type of information other than bankruptcy or delinquency should result in this form of denial. 
In my two decades of banking int eh western world, if you have an issue with your credit or profile, the bank account will not be successfully open due to a block that would have been placed on the account. 
IT is not something that a bank finds out after the fact. 
This is unconscionable and smells of something sinister. 

At this time, it should not even be possible for the bank to obtain my credit information because my account is locked for inquiry, so at this time I am still wondering what happened and how it happened. 

The bank Chase has no right to conduct a check on my social security with XXXX or any other credit bureau without my consent. I have my credit file locked to prevent fraud and other nefarious activities of unscrupulous companies. 
The fact that this bank could prove to be of such a class, is not too shocking to me given their discriminatory practices in XXXX XXXX. 
For them to claim that XXXX shared my credit information with them is not possible except XXXX violated my privacy and my subscription with them which I pay for monthly. 
I pay them $ XXXX  monthly for them to protect me from unscrupulous criminals who go stealthily to steal customers information pretending to be doing credit checks. 
I do not understand why Chase or any bank would claim that they pulled my credit report and I have no notification to the effect that this was about to happen. 

It should not even happen, because what usually occurs is that I get notification and then I will unlock my account. This Chase account is a checking account not a credit account, so I do not understand why the bank would say that they can not open an account with me because of information in my credit report. 

First, I need XXXX to inform the CFPB what information is contained in my account to warrant me not to be qualified for a checking account. 
Second, I need XXXX to explain how Chase or any bank has been successfully pulling my credit behind my back, when I have locked the credit file using their tool which I pay for monthly. For this to happen, it means that other activities must be happening without my knowledge while I have been paying and thinking that I have a subscription offering me protection against such actions. 

I also need to make clear here that I have no adverse information in my credit report or anything that may warrant me not successfully opening a checking account. 
I was at their office and there was nothing in their system that gave any alarm about me. If indeed, I have an adverse credit problem, the system will immediately block any attempt to open the account. 
The only explanation is XXXX motivated attempt to deny me the privilege of an account. THIS IS XXXX AT PLAY BY CHASE BANK on XXXX XXXX XXXX, here in XXXX XXXX. 
It is important that Chase understands that its branches in XXXX XXXX are conducting discriminatory and XXXX actions against legal residents in the county. 

Also, XXXX is conducting discriminatory practices with the intent to destroy the credit of certain people of certain demographics or status as part of some strategy. 
This has to stop! 
They should not have lied to anyone who rely on their information to make decisions. 
As in this case, this is a total lie and I want them to be investigated. 
Both XXXX and Chase have committed a crime against me here. 
They have violated my rights to Fair Credit Reporting and also accessed my personal identifiable information without my  consent and threatened me with adverse actions such as closing my account for no just cause, making a spurious claim against me. 
This bank threatened me with impunity. 

They have no justification to do what they did, but because they have XXXX  people in this bank, they are now using XXXX  profiling tactics, such as denying to open account based on  citizenship status among other things. 
They are discriminating against people in the United States legally. 
You need to investigate the CHASE Bank! 

Can you imagine what they are doing and what they just did to me!? 
They are basically denying me access to a checking account using a BOGUS LIE!

Company response to consumer: Closed with explanation