Consumer complaint received 2022-09-11
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:
To Whom It May Concern : I am writing to request an intervention from CFPB. I am an innocent victim struggling, challenges with emotional distress relating to closing of accounts with Chase Bank. I am a victim of identify theft in-which my personal information had/has been used by suspects/thieves to apply for bank products { ie checking, savings, credit cards } and merchants cards. 

In XXXX, I was a victim of identify theft/fraud with Chase Bank resulting the account was closed. I accepted and agreed with Chase Bank decision the account opened in XXXX due to my security protections. 

The City of XXXX XXXX XXXX, XXXX, CFPB and FTC were notified for the fraud in XXXX and present time identity theft. Furthermore, I've placed a credit freeze with the three credit bureau. 

The suspects/thieves { same persons } who fraud in XXXX and XXXX, person ( s ) is/are being investigated for criminal economic crime and possibly escalating to Federal level. 

XX/XX/XXXX : I went to Chase Banking Center, XXXX XXXX XXXX in XXXX XXXX, CA XXXX & established new accounts : checking, savings, and credit card. During 2 hours there, I was upfront with the Personal Banker stated I had and am a victim of identity theft. I presented IDs : my social security card and driver 's license. In addition, I provided proof with the case # from the City of XXXX XXXX Police Department. I requested the banker to notate the new accounts with regard of my current situation identify theft, copy my the case report and copy of my social security. The Personal Banker advised she can only notate ID Theft but nothing further as she can not " Tell other what to do ''. 

A week later after the accounts have been opened. I discovered the accounts were restricted. I and my sister XXXX XXXX XXXX XXXX, an authorized signer, on my accounts placing calls to Chase Bank Operations Loss Prevention @ XXXX. 

On XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX called XXXX, spoke with LP Manager XXXX, advised the accounts will be placed on hold with 10 days extension. To allowing XXXX XXXX to submit a claim and submit supporting documentation to lift restrictions on the accounts. 

On XX/XX/XXXX : My sister XXXX XXXX XXXX XXXX and I. Both present at the Chase Banking Center, located at XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, helped Us calling Operations Loss Prevention Team @ XXXX, established a claim. We spoke with XXXX from the XXXX LP Team and established the claim| Reference claim # XXXX. We received the claim form " Identity Theft Declaration of Claimant '' sent from LP Team via Intranet and handed to Us. The following business day, the completed form with supporting docs were e-faxed via Intranet bank system to Ops LP Team. 

The completed form included the Statement of Facts, and proof of Identify theft report from the City of XXXX XXXX Police Department. The Statement of Facts detailed my identity theft matter. 

On XX/XX/XXXX : I discovered my accounts balance are XXXX. 

On XX/XX/XXXX : I returned to Chase Banking Center XXXX XXXX XXXX, XXXX CA XXXX. The Personal Banker, XXXX XXXX, once again willfully helped me calling the Ops LP. I spoke with LP Manager_XXXX  XXXX, from the Deposit Review Fraud Department who was advising the accounts are in close-pending status not yet closed, and that a decision will be available either on XX/XX/XXXX or the XXXX. I was informed the Ops LP Team is awaiting to obtain a copy of my social security card and CA driver 's license. I rushed home to get my social security card, photo-copied front & back of both, my SS Card and CA DL. 
1-Hour later, I returned to the banking center and had my social security card and CA DL e-faxed to LP Team and left the banking center. 
Twenty-minutes later after I've left the banking center, I called LP Team to confirm the receipt of the e-fax. I spoke with XXXX { Title Supervisor }, who told the decision is final and the accounts have been closed. He questioned XXXX XXXX, " what is the point of sending the documents ''. I advised instruction was given and I answered. I then told him I will return to the banking center, he replied " what is need to go back to the banking center ''. The call was escalated, I spoke Supervisor, XXXX. XXXX, who said the accounts have been closed and nothing can be done or anyone to do to reverse. 
The materials misrepresentation from Agents from the Ops LP Team causing me emotional distress, driving back and forth, and going through hoops. If decision had been rendered, why Chase Bank Personal Banker still obtain my information and she was opened the accounts. 
At the beginning, I am and have been cooperative with Chase Bank Operations Loss Prevention by providing all supporting documents, good-faith and honest upfrontly to resolve/bring a solutions about my matter. I pledge with Chase Bank to compasionately considering lifting my accounts under the circumstance, It is " I '' a victim of identity theft. I am an innocent victim, I ask for your compassion, and place yourself in my position to understand the sufferings and challenges that i am and been going through relating in this matter. 

I attest under the perjury of law, my statement herein, is true and correct. I understand and abide to all laws govern the Financial Institution and my duties as a bank customer. For credibility, I am a XXXX XXXX XXXX and CA XXXX XXXX XXXX for State of California. I am a XXXX for XXXX XXXX and member of XXXX XXXX XXXX XXXX. This channel does not allow me to note sensitive personal data. Thank you. 

Respectfully, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief