Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am the treasurer of a registered federal political committee and have encountered repeated obstruction from Chase Bank while attempting to open a legally required account in compliance with Federal Election Commission ( FEC ) regulations.

Despite submitting all necessary documentationincluding our XXXX, declaration of treasurer, and

government-issued identificationChase has refused to process the application or provide any formal explanation for their inaction. They have also declined to issue any written confirmation that the account has been denied, which is both irregular and deeply concerning. This lack of transparency not only hinders compliance with federal election law but may also represent a broader barrier to lawful political participation. I am therefore requesting a formal investigation into Chase Banks conduct, along with a written explanation of their refusal to proceed. Here is a list of interactions with Chase Bank : XX/XX/year> In-person meeting at Chase Bank with XXXX XXXX where I provided my XXXX and Founding Statement in order to open an account. 

XX/XX/year> XXXX escalate the meeting to her manager XXXX, who told me he would get back to me. 

XX/XX/year> I call and am told Chase would call me back, does not happen. 

XX/XX/year> I call Chase, am told they will call me back. 

XX/XX/year> I call Chase, am told the request is being denied. I am told it is related to " risk ''. I ask for some sort of documentation as I have an excellent credit rating and no criminal record. They say they will get back to me. 

XX/XX/year> I call in again, denied service, as well as an application denial. 

XX/XX/year> I send this email to Chase Dear Chase, I am writing to formally request a written response regarding the denial of my application to open a campaign bank account under the name XXXX XXXX XXXX Citizens For ( XXXX : XXXX ) I am in the process of forming a federal political committee as a candidate for the U.S. House of Representatives ( XXXX ). In accordance with federal election law, I must open a dedicated campaign bank account prior to filing with the Federal Election Commission ( FEC ) or conducting any campaign financial activity.

To support this, I provided : A Founding Statement affirming my authority as treasurer and candidate The official IRS XXXX notice verifying our XXXX assignment under Section 527 Clarification that the

account will be used exclusively for lawful political operations Despite submitting these documents and following up multiple times, I was informed after several days that the application was declined yet no reason was provided, and I was told that no written confirmation of the denial would be issued. This leaves me unable to proceed with my FEC registration or meet the basic legal requirements of campaign finance compliance. I am not asking for special treatment. I am asking for transparency and documentation regarding a decision that directly impacts my legal ability to participate in the democratic process. If Chase has a formal process for appeal, escalation, or compliance review, I would appreciate being directed to the appropriate party. If not, I will proceed with submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Deposit Insurance Corporation ( FDIC ), and Wisconsin Department of Financial Institutions ( DFI ) regarding this refusal and lack of documentation. I will also be informing the Federal Election Commission ( FEC ) that I have been unable to secure a campaign account due to this unresolved issue. If there is any chance of revisiting this decision, or if Chase is able to provide a formal written response to clarify the reason for denial, please respond within 48 hours.

Company response to consumer: Closed with explanation