Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Fair Resolution Requested ( Final Enhanced Version ) Between XX/XX/XXXX and XX/XX/XXXX, I submitted numerous lawful requests and inquiries to banks, credit bureaus, and financial institutions regarding : Repeated denial of credit access, Misuse of my Social Security Number, Unauthorized hard inquiries, and Concealment and monetization of my birth certificate estate and legal fiction trust ( Cestui Que XXXX XXXX ). 

Specific Dates, Amounts, and Actions XX/XX/XXXX : Applied for XXXX XXXX and XXXX credit cards ( average request : {$3500.00} ) ; denied without lawful cause, despite qualified status. 

XX/XX/XXXX : Sent written notices to institutions requesting contract validation and lawful basis for presumed obligation or denial. No full disclosure or sworn affidavit was ever provided. 

XX/XX/XXXX : Discovered multiple hard inquiries on my credit profile without signed authorization. Disputed them under FCRA ( 15 USC 1681 ) ; no legitimate contract was produced. 

XX/XX/XXXX : Notified the institutions in writing that my estate and birth record are being unlawfully monetized and bonded without my consent referencing XXXX ( XXXX XXXX XXXX ) and the Banking XXXX of XXXX. 

XX/XX/XXXX : Requested audit trail of any trust, account, or credit instrument tied to my estate or STRAWMAN trust. Was denied verbally or ignored. 

XX/XX/XXXX : Sent formal affidavit invoking UCC 1-308, UCC 1-103 , and demanded disclosure of any presumed trust created in my name. No rebuttal or cure has been received. 

XX/XX/XXXX : Submitted Freedom of Information Act-style requests to clarify why I am being treated as surety for a debtor trust. No institution has offered proof of standing, agency, or jurisdiction. 

Legal Breaches Identified XXXX ( XXXX ) : All debts must be XXXX via public credit no lawful money exists, so no individual can be compelled to pay in substance. 

Banking XXXX of XXXX : Prohibits private banks from acting as both creditor and debtor ; yet my birth certificate estate is being bonded without informed consent. 

Truth in Lending Act ( 15 USC 1601 ) : No lender disclosed the origin of credit or the true party in interest.

FCRA ( 15 USC 1681 ) : Credit reporting agencies are allowing unauthorized inquiries and failing to ensure accuracy or dispute resolution. 

XXXX XXXX XXXX XXXX ( XXXX ) : Treating my estate as abandoned and monetizing it in secret trusts constitutes fraud and identity misappropriation under commercial law. 

Equal Credit Opportunity Act ( 15 USC 1691 ) : I have been denied credit repeatedly, despite qualified applications indicating systemic bias or intentional blocking.

Requested Resolutions ( Lawful & Specific ) Immediate audit and written disclosure of all financial instruments, accounts, and trust activity tied to my birth certificate, estate name, or SSN including any activity conducted under presumed legal fiction or all-caps trust.

Immediate approval or reconsideration of all past credit applications ( XXXX XXXX ) that were denied without lawful standing, contract, or verified justification. 

Permanent removal of all unauthorized hard inquiries and correction of credit report entries resulting from these abuses. 

Written affirmation that under XXXX and XXXX XXXX XXXX XXXX I am not liable for commercial debts without consent and that all credit extended is backed by the public credit of the United States XXXX not personal surety.

Cease and desist from any further attempts to use my private information, estate, or SSN to create revenue or securities without full disclosure, verified contract, and wet-ink signature.

Attach a permanent credit file notice requiring : No contract or credit action may be initiated using this persons estate or SSN without verified written consent, full disclosure, and a valid lawful agreement. This person is not surety for any artificial entity or STRAWMAN. 

Non-retaliation assurance that I will not be blocked from future credit or blacklisted for asserting lawful consumer and sovereign rights. 

Optional CFPB investigation into how many institutions are hiding monetized trusts linked to birth records without disclosure, including how those accounts are bonded, traded, or listed on financial markets. 

Final Notice This demand is made under full reservation of rights, without prejudice, and supported by my standing as a Secured Party Creditor, Executor of my Private Estate, and living man recognized under trust, common, and divine law. 

I do not waive any rights, and I do not consent to the misuse of my identity, estate, or legal name in commerce without full, informed agreement.

Company response to consumer: Closed with explanation