Consumer complaint received 2020-04-20
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 XX/XX/XXXX I filed a complaint here about you claiming that you guys have discriminated against me because you will not allow me to keep any of my accounts open with you no matter what, and that you never will give me any reason as to why. Then you send me a reply stating that in your terms and conditions it states tat you can close an account at any time for any reason and are not required to tell me why. That may very well be true but there are still laws et in place against financial institutions just doing whatever they want and not ever giving any body any reason as to why they did something ; as is the case here with me. 

So I try again and You open the account up only to find it closed within a few days, again with no explanation why. The explanations that you send me are complete lies because they do nothing but contradict yourself left and right. I will attach proof of all of this. I attempted to open my account with you on XX/XX/XXXX, and it was opened, and then three days later it was closed, and the only thing that I did was deposit money into this account. A week later I get two letters from you. The first letter thanked my for opening an account and that you had opened a secured account for me rather than a regular account, which was completely fine, then I get another letter the very next day dated XX/XX/XXXX as well stating that my account has been closed and that I can no longer use my accounts and that nothing will work as of a few days from when I had received this letter. SO then I call the number on the letter and nobody will tell me anything other than it will close and that's that! No reason, no explanation, nothing. That's when I had filed my first complaint about you here, and got nowhere with that either because you still won't tell me what the issue is. And from what it sounds like you never will. I tried two more times after this to open an account, and it opens initially only for it to be closed again in the same fashion as the one that I just explained before had. The one dated XX/XX/XXXX however was one big contradiction from you because I receive a letter dated on XX/XX/XXXX telling me that my account was blocked and that it will close and that's that. The issue with your letter as you will see is that the reason that it was blocked was due to recent activity or because I didn't provide the information that was requested from you. That's a huge lie. All of it. Because ( A ) there had been NO ACTIVITY on that account since the day it was opened-nothing, and ( B ) you never requested ANY INFORMATION from me at all-nothing. SO when I call the number on the letter, they tell me absolutely nothing, won't give me a valid reason why it was closed ; in fact I get no reason at all, and then that was it. So how can you sit there and tell me lies and then put it on paper and send it to me? SO here you contradict yourself once again for this same situation because on XXXX the XXXX, I receive another letter for the same account, however, this letter was dated two days later than the XX/XX/XXXX letter telling me that my account is closing. This letter states that you couldn't open my account because you couldn't verify my identity. Iyt also told me that you used experian to verify my info. Funny thing is is that my info. on the application was exactly the same info as what XXXX  has on file-otherwise the computer wouldn't have opened the account in the first place online. I know this to be factual because I have the date of the soft credit inquiry that was pulled and it predates this letter. In fact the date was the same date that the account was opened online. SO MY INFO WAS VERIFIED. END OF STORY. I then try this again last week on XX/XX/XXXX only to have it shut down two days later and the only activity on this account was me going into the branch and making a cash deposit with the teller. He asked me for my Identification and so I handed it to him and the deposit was made. However, my account gets shut down once again the very next day and with no explanation at all. I called the number that was on the website when I attempted to log into the online banking and I was told to go into the branch with two forms of id and everything should be resolved. SHe couldn't tell me why it was blocked to begin with. So I did exactly that and I sat down with a banker and she pulled up my account only to tell me that it was closed on XX/XX/XXXX and there was no reason or explanation why it was closed to begin with. She did tell me something that was very interesting however, which is why I am filing this complaint right now. She said that my profile has a restriction placed on it so that every time I try to open an account, it will eventually be closed. What the XXXX??? So this is the real underlying reason why all of this has been going on. Instead you send me a bunch of XXXX. letters with lies printed on them and every other reason you can come up with at the time, but you fail to tell me why and who had placed this indefinite restriction under my name, and why. This is discrimination. I want the Consumer Financial Protection Bureau to see and read this and the Federal Trade Commission as well. What you are doing is wrong, and very unethical, and you are discriminating against me for no reason, and if there is a reason you wont tell me why, in fact you refuse to tell me why, and then you turn around and tell me another line of XXXX and then go and hide behind your terms and conditions. We will see how your terms and conditions will hold up in front of a jury trial when I take you to court because that's exactly what's going to happen if this does not get resolved with this complaint that I am filing right now. This is your last chance to make things right before it goes to court Chase.

Company response to consumer: Closed with explanation