Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
First, I have been with CHASE since 198734 years! I chose XXXX because of its domestic/global presencenever hard to find a branchand its outstanding customer servicewell, that is until I did business with Mr. XXXX XXXX , client services banker at the CHASE bank XXXX XXXX XXXX XXXX in XXXX, WI. And to THIS DAY I have much anxiety and have NOT DONE ANY BUSINESS @ this XXXX XXXX XXXXall because of my experience with XXXX XXXX. 

On Friday, XX/XX/2021, XXXX XXXX XXXX, client services banker at the CHASE bank, XXXX XXXX, in XXXX, XXXX, denied me the ability to conduct business legally available to me. From the time of introduction to my leaving, Mr. XXXX 's actions and words showed NO interest in assisting me with my banking needs or requests. Each time I tried to conduct my banking business, I was met with condescending slights towards me, insulting statements about my intelligence, and verbal assaults against my integrity and character ( such statements as, " obviously, you are struggling with understanding the banking " process '' ; questions like, " How do I know your cashier-check is not 'fake ' or that after I verify the check is real and the funds are available, a 'stop payment ' won't be placed on it? " ). And even after I elaborated to Mr. XXXX about my banking history, he still continued to dismiss me, retorting back, " I have been at CHASE 30 years. '' And when I said that I would do my banking at my other bank, he was very comfortable with my leaving, stating, " Good luck! No bank is going to help you. Sorry, I " am following CHASE policy '' Upon leaving the Branch, I immediately contacted CHASE corporate customer service, and this is what I learned : Power-of-Attorney ( P.O.A. ) : I was using my P.O.A. status to open a checking account for my sister. Mr. XXXX claimed he could not open an account for my sister because CHASE corporate requires my sister to be physically present with proof of identification in hand. CHASE corporate response : 1. ) Mr. XXXX is wrong. Yes, I can open the account without her being present and without possessing physical documentationall that is needed is her social security number and driver 's license number ; 2. ) I can open a checking account through online banking ( which I did in about 10 minutes ) ; and, 3. ) If I wanted to have access to my sisters account ( e.g., make withdrawals, etc. ), I first must become an authorized user, which would require me to present P.O.A. documents and physical proof of MY identity ( passport or driver 's license ). And my sister did not need to go to a branch to verify her identity within 30 days of my opening the account. 

Cashier Checks : Mr. XXXX questioned my cashier check 's authenticity. He claimed he could not cash the cashier 's check because there was no guarantee, the funds were available. CHASE corporate response : MrXXXX XXXX is wrong again. A Cashier check is guaranteed and is one of the securest forms of payment. Note : I made several requests for Mr. XXXX to call, and he said it was not a request he would honor. Corporate let me know that my request for MrXXXX XXXX to call the issuing bank to confirm/verify my cashier check as legitimate was very reasonable and something Mr. XXXX should have done. 

Verification : Mr. XXXX claimed he was following CHASE protocol and methods for verifying customer and banking legitimacy. CHASE corporate response : Mr. XXXX did not follow standard protocols ; he did not check for customer history, review power-of-attorney paperwork, call the bank of the cashier check to verify that the check was not fraudulent, and most importantly did not seek assistance from the Branch Manager, who was present. 

Mr. XXXX actions are inexcusable and unprofessional ( especially for someone in banking for 30 years ), and he should be held accountable. Essentially, Mr. XXXX did nothing ; EXCEPT obstruct me in doing my banking ; HE denied me the ability to engage in banking activities that were within my legal rights!

Company response to consumer: Closed with explanation