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

Complaint:
On the second week of XX/XX/XXXX, I opened a new bank account with Chase bank without any problem. However, a few days later, I received a letter stating that my account has been closed due to negative and adverse information that XXXX   Credit Bureau had sent to them about me and that they should not open an account to me because of these negative information. What bothers me about this report is that I have neither derogatory nor delinquent issue or history in my credit profile. There is absolutely no record of this situation at all and so I called XXXX to verify this report on XX/XX/XXXX or the day before to explain to me what the was about and the company denied any knowledge of this act. Then, I called Chase to find out what this was about, and they further insulted me, denying any right of mine for transparency on this matter. The way that Chase treated me in not uncommon in XXXX XXXX. This bank has been carrying out XXXX activities against people of XXXX by denying them access to banking and racially profiling them as not deserving membership at this bank. Chase and XXXX in this case had a form of covert agreement to mis-characterize a customer by wrongly profiling them for rejection. In my case, they thought that they can make this form of rejection letter up because to them any person of XXXX without a hefty account balance must fall into this category of bad credit, delinquency and other things that the XXXX elements in American society, such as this bank ascribe to people through racism. I want to sue the Chase bank and XXXX for racially profiling me. Chase has no right to close my account and allow my direct deposit check to be returned, causing me harm and severe inconvenience. I have contacted these two companies and Chase, has nothing today other than that " we have a right to deny our banking services to anyone '' and XXXX has denied any knowledge of this. If indeed they didn't inform this bank of any adverse record in my profile, why then did Chase bank quote the name of XXXX in the attached letter I have uploaded herewith. XXXX, I believe had violated my rights to my privacy as well, because I have a subscription with them that protects my account for unlawful access by anyone for credit checking purposes to avoid identity theft. Any merchant or organization can not access my record without me opening up the account, literally, for them. Thus, I usually get an email alert about an attempt to access my credit file, after which I can grant access. If truly, this bank had tried to gain access to my credit file, I would have known and allowed them to and they would have seen that there is no adverse history on my account. I want this matter to be escalated to the executives of these two companies so that the actions taken can investigated and those who allowed or aided this investigated. This is an act of racially motivated attempt to subject me to harm and inconvenience.The staff at Chase bank on XXXX XXXX in XXXX XXXX need to be prosecuted. No consumer should be put through this stress that I was put through for having spotless credit history. 

PS : FYI : This was not a credit card application but a regular checking account! 

Legal precedent : Examples of what this bank have done and have been sued for : XXXX  : XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX/

Company response to consumer: Closed with explanation