Consumer complaint received 2019-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am Chase Business customer. I have the Chase Ink Visa credit card. Chase sent me an email with an offer or promotion to open the Chase Total Business account. 
On XXXX, XXXX around XXXX XXXX I went to this Chase Bank branch at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Not much wait for me and finally I spoke to XXXX XXXX XXXX. I showed this email containing promotion code. She asked some more information like my business 's FEID and other details. She talked about trying to sell more Chase products while looking at my Business details. I don't know why she was doing all this as I had already handed to her my Chase Business Ink Credit card. As I am already approved for the Chase Business Ink Credit card - she already has my profile. It should be much easy for me to get the Business checking account, right? 
But then she told me there is an issue " Franchise fees involuntary ended '' so she can't open my account. I reached out to my XXXX ( XXXX-XXXX, XXXX XXXX ) and she clarified that there is nothing wrong with my Business. Moreover I filed my regular quaterly reports and pays all the dues. If there was something wrong, how come Chase open my Business Ink Credit card. I believe opening credit card is more a risk for the financial institution than the bank account.

Isn't it the case that Chase for no good reasons want customer to visit the branch to sell other products?

I had opened my Business account with XXXX XXXX in less than 20 minutes. Chase simply can not make excuses that every bank is different lablablaah. 
I talked to Texas agency regarding about this Franchise issue and that's why the account couldn't be opened. They simply stated that it should not be the case. Anyway i initiated the process to make the last year franchise tax. 
On XXXX XX/XX/2019 - I went to a different chase branch this time at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX at around XXXX XXXX. This branch was completely empty. Only 2 tellers. One white american teller asked me about the reason for my visit. She stated that nobody is here to do that right now. Probably I should come back on Monday with an appointment for this. As i am just too busy, i requested - can i get it done today? She told me about the Chase XXXX XXXX branch nearby. As for that I was suppose to be going almost 10 miles away from my home, I asked is she sure that somebody will help me there? Can you check that? She said that she is very sure about it. She didn't gave me any address for that but i figured it out. I have no idea why XXXXhase has so many branches within 2 square mile radius of my place but literally all these branches are just looking for excuse not to do anything and simply passing the buck to others. They are very slow and inefficient also. 
I went to Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Reached there around XXXX XXXX. Put my name in the customer 's visiting register and provided the reason for my visit. There was just another customer waiting in front me. There were two bank employees helping others to open the bank account ( may be ). After 10-15 minutes - the other customer was able to get into the cubicle of other banker to open the bank account. There were two tellers. Branch was not busy ... very usual ... after some time the white american lady on the teller was not having any more customers ... so she checked the register ... confirmed with me why I am here? She said that one of the two bankers will get back to me. What i can see and figure out that both the bankers were very slow and taking their own sweet time. Finally at around XXXX XXXX - the other banker was available, asked what i want to get it done. I told that i am here to open the business checking account. He said he can't do that as he doesn't have the license for that..i need to come next week. I simply told him that if that was the case, don't you think that white american lady on the teller that i should not wait ... i am waiting here for almost 90 minutes now. I said where is the manager, i want to talk? He told that manager is on vacation, only teller can help. I went to teller and told him that it ' so frustrating that after almost 3 hours in two branches and 1 hours in commute - i couldn't get this done ... it's a total waste of time. How i can file written complaint? He said there is no process to file written complaint, may be call the customer services. Then he took good 20 minutes to write some complaint without bothering to tell me any reference #. I told him that this entire episode is going to be complained to CFPB. 
My Chase Business ink visa credit card is ending in XXXX. 
Chase needs to understand that XXXX XXXX during last 3 years has really worked out to come out of the scam shadows. My XXXX XXXX business acocunt is far better ... first of all XXXX was able to open it in 20 minutes and minimum balance to maintain is just {$500.00} NOT {$1500.00} as in case of Chase ( with more than 4 hours spent but account is not opened ).

Company response to consumer: Closed with explanation