Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Saturday, XX/XX/2018, I went Chase Bank on XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX to open a savings account. My sister was also with me and wanted to open a checking account. We decided for time sake, that I would only open my savings account. I am a current Chase customer with a checking account, with direct deposits from my job. We signed in at XXXX XXXX After 10 minutes, the branch manager instructed one of the bankers to help us. I do not remember the bankers name. As we were sitting down in the bankers cubicle, the branch manager walked in and introduced herself as the branch manage named XXXX. She stated that she would observe the banker to ensure he did everything correctly and to make sure I got what I needed. She sat in the corner of the cubicle and watched me and my sister. The banker asked me a long series of questions including if I was a United States citizen. He explained the various savings account options and federal regulations. I signed the paperwork work electronically, he provided me with a temporary debit card, and transferred funds from my checking account to my newly opened savings account. The banker left the cubicle briefly and while he was gone, the branch manager XXXX asked me if I had any questions about the federal regulations and I stated no. Upon his return from the printer, the banker reviewed the hard copy documents that I had signed electronically and placed them in my folder. He assured me that I would be receiving my new debit card in the mail. As I and my sister were standing up to leave, XXXX, the branch manager stated that they will need to run a credit check to determine if they can open the account. I was shocked and dismayed. I stated that I already have a checking account and this should have been disclosed on the front end. I asked if this is a hard or soft inquiry because I am in the process of seeking a mortgage loan. XXXX, the branch manager stated that it was a soft inquiry, but an inquiry all the same. I told her that do want or need any more inquiries, which is my I declined the Chase credit card. She stated we can run your credit or we can close-out the account. I looked at her, stood-up, and walked out the bank. I was so angry, I was in tears. When I checked my online banking app, the saving account was already open and {$500.00} had been transferred from my checking account to the new savings account, ( I have screenshots ). In addition, I had received a confirmation email that my new debit card was on the way. When XXXX, the bank manager stated that she needed to run my credit, the new savings account was already open. When I refused to have my credit ran, she closed the savings account. I called Chase customer service and spoke to XXXX, supervisor. He stated that he had never heard of a branch manager running someones credit to open a savings account, and specifically for someone who was already a customer with a checking account. He advised me to open a savings account account online and never go back to that Chase branch. Later that day, I called Chase customer service again to inquire about the original complaint. I spoke with XXXX, supervisor. He could not believe what the branch manager had done. I told him that I was profiled. He assured me that the incident would be investigated and that I would receive a follow-up call in 2-3 business days.

Company response to consumer: Closed with explanation