Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I created a business checking and savings account ( via online ) with Chase back in XX/XX/XXXX while I was stationed at XXXX XXXX XXXX, MO. I was in XXXX XXXX XXXX, MO for XXXX XXXX When I created my business account with my social security number ( intended for a sole proprietorship print-on-demand online clothing store ), Chase requested me to visit a local branch to show two forms of identification. However, there are no local Chase banks in XXXX XXXX XXXX and due to XXXX, I was restricted from traveling outside of our base to go visit a Chase bank in XXXX XXXX or XXXX, MO. I was also in the middle of XXXX XXXX  which is another reason why I couldn't leave post. Needless to say, I couldn't provide the two forms of identification and Chase closed both of my business checking and savings account. I didn't really pursue my print-on-demand clothing business so I didn't need Chase business accounts anymore and didn't think much of it. 

Fast forward to now in XX/XX/XXXX, I tried to open another Chase business account. I am still in the XXXX  but have got my XXXX XXXX XXXX and am doing XXXX XXXX XXXX  business on the side. I would like to create a Chase business account ( through my social security under sole proprietorship ) but the previous business account ( refer to the paragraph above ) is preventing me from opening a new business account. Apparently, because I could not provide two forms of ID ( even though I legitimately could not due to no Chase branch offices near me and me doing XXXX XXXX  at the time ), Chase has decided to follow through with a bank initiated closure. This unfair and un-based bank initiated closure is preventing me from opening an account with Chase. 

I have since visited a Chase branch here in XXXX, TX ( I'm currently stationed in XXXX XXXX, TX ) and the branch office here has told me it is impossible to revert the bank initiated closure. However, I filed a complaint with their banker and have received contact from ( I believe ) corporate. Chase Corporate referred me to the fraud department, who then said that if I could provide two forms of ID, the Chase branch could help me resolve/reverse my previous " fraud '' incident. The branch has been unhelpful and I'm getting multiple mixed messages from corporate and the branch office. Corporate is saying as long as I can provide two forms of ID and link myself to the business ( which the bank can help me do by filing a change of signature document? ), they can revert the bank initiated closure decision. The branch office in XXXX is saying that there's nothing they can do further in helping me because apparently when they call the fraud department, the fraud department is telling the branch office that there's nothing that can be done to remedy the situation. In my opinion, I believe when the branch in XXXX calls the fraud department, everyone sees " bank initiated closure '' and just says the same thing of they can't help me further instead of digging a little deeper and finding out what can be done to remedy the situation. 

I'm extremely frustrated by the constant back and forth between corporate and branch office. I simply want to open a Chase business account ( for real estate ). I was/am flagged for " fraud '' in which I had no control over. I believe Chase is being incredibly inflexible especially due to the fact that 1. there were no Chase branch offices to visit with two forms of identification in XXXX XXXX XXXX XXXX MO and 2. it was during COVID where my military commander restricted our movement and I was not allowed to travel outside to visit a Chase branch and 3. I was in the middle of XXXX XXXX  that prevented me from going outside of post anyways. 

Thank you for your time in this matter and I hope you can help me resolve this issue soon. Thank you again!

Company response to consumer: Closed with non-monetary relief