Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On Thursday XX/XX/XXXX ; i went by appointment into Chase Bank branch situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, to open a checking account. 
Their employee by name Mr. XXXX XXXX XXXX ( Defendant employee ) opened a checking account for me, and set me up their online banking platform. Chase employee then asked me to key in my personal username and password on his employees computer, to see if i can log unto their online banking platform successfully. 

After i successfully logged into their online banking account platform, their employee then asked me to click on a link called XXXX XXXX, on my online account. I clicked on the link called XXXX XXXX  on the employees computer. Upon clicking the XXXX XXXX  link, my personal credit report including my credit score, immediately displayed on Chase employee 's computer in front of their employee.

To my utmost disgust and humiliation, the Chase employee turned the computer to face himself and insolently read my personal credit score and credit report details for at least two ( 2 ) minutes without obtaining authorized consent from me. My personal credit score and credit report details were largely displayed on Chase employee 's computer, and easily visible to any third party that could have walked into his desk. 

Chase employee then asked me to log out of my online banking account and Chase employee ended the meeting. Flushed with shock at the rude invasion of my privacy, i left the banking hall totally shaken and heavy headed. My heartbeat and blood pulse was racing so fast, it took at least another five ( 5 ) minutes for me to gather the strength to drive out of their parking lot. Chase employee actions compounded with the fact that i had a poor credit score, left me very embarrassed and emotionally injured to the extent that, i could not put in a full days work as a XXXX XXXX that day. I had to close work early, as I was left in tears all day by the incident. 

As a XXXX woman, i also felt racially discriminated by the incident because citizens of other races, are not made to expose their personal credit score and credit report details to Chase employees during and after a checking account has been opened for them ; unless under very exceptional conditions as described in FDIC Law, Regulation and Related Acts Miscellaneous Statutes & Regulations 31 C.F.R. 1020.220 ( a ) ( 2 ) ( ii ) ( B ). 

Later on that day, unable to bear the pain of my emotional injury, i wrote an email to Chase employee to explain how i felt, but did not receive a response nor apology from the employee. 

I therefore sued Chase Bank at the Northern District of Georgia XXXX Division with civil suit number 1:20-CV-4771-WMR-JKL. In that suit I prayed the court to rule on 5 counts in my favor as follows ; 1 ) Defendants willful violations of the FCRA. Relief sought were ; a ) Punitive damages for willful non-compliance. 
b ) Actual damages c ) Legal and statutory costs 2 ) Defendants negligent non-compliance of the FCRA. Relief sought were ; a ) Actual damages b ) Legal and statutory costs 3 ) Tort of Invasion of Privacy. Relief sought were ; a ) Punitive damages b ) Compensatory damages c ) Legal and statutory costs 4 ) Tort of Negligence under O.C.G.A 51 ET SEQ. Relief sought were ; a ) Special damages b ) General damages 5 ) Tort of Breach of legal duty under O.C.G.A 51 ET SEQ. Relief were ; a ) Actual damages b ) Legal costs and statutory costs In response to Chase Bank 's motion to dismiss, the court presided by Hon. Judge XXXX validated all my FCRA claims, and thus allowed counts 1, 2 and 4 to proceed for due process. He added that Chase Bank 's employee 's actions of reading my private credit report and credit score after the checking account had been opened, amounted to curiosity which is not allowed under the FCRA. I however had to voluntarily dismiss proceedings during discovery for some personal reasons. I however submitted a settlement proposal to Chase Bank and their Attorneys to settle this matter, but Chase Bank has refused to participate in settlement discussions on this matter. Though their Attorneys had stated that they interested in settling this matter out of court, they have rejected any offers from me and they have not shown any interest in settling this matter. 

I am by therefore by this complaint requesting the CFPB to open an independent investigation into this case and confirm the following ; 1. Whether Chase employee actions as described above amounted to wilful non-compliance of the FCRA 15 U.S.C. 1681 et seq. 
2. Whether Chase employee actions as described above amounted to negligent non-compliance of the FCRA 15 U.S.C. 1681 et seq. 

Since CFPB is the authority on regulatory compliance of federal statutes by financial institutions, I will be very grateful if the CFPB will issue an independent ruling on this matter. If CFPB finds Chase Bank culpable of FCRA violations, then I request the CFPB to assist me to recover total damages of at least USD XXXX with breakdown as follows ; 1. USD XXXX as total actual damages under FCRA 15 U.S.C. 1681n ( a ) ( 1 ) pg79. for willful non-compliance of the FCRA.

2. Another USD XXXX as total actual damages under FCRA 15 U.S.C. 1681o ( a ) ( 1 ) pg80 for negligent non-compliance of the FCRA. 

XXXX. Punitive damages as determined by CFPB under FCRA, 15 U.S.C. 1681n ( a ) ( 2 ) pg79.

This is because my total damages including lost wages and cost of litigation amounted to USD XXXX. 

For ease of reference, I am attaching the following documents to this complaint ; 1. ) The court Complaint I filed with the court on XXXX XXXX. 
2. ) The order from the court on Chase Bank : motion to dismiss. ( both non-final and final order ). 
3 ) My settlement proposal to Chase Bank on XX/XX/XXXX. 
4 ) An email from Chase attorneys rejection my offer.

5 ) My court disclosures which confirms my total damages on this case.

I am available to furnish the CFPB with any document you may deem necessary for your investigations, and I can be reached by email on XXXX and on phone on XXXX. 

Thank you. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation