Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am submitting a complaint regarding JPMorgan Chase Banks handling of my attempt to open a conservatorship savings account, including inconsistent requirements, lack of responsiveness, and failure to provide follow-up. I am a court-appointed conservator under valid California Letters
of Conservatorship . I presented certified court documentation to Chase in order to open a conservatorship savings account necessary to carry out court-ordered duties. I am currently residing out of state. 

On XX/XX/XXXX, I attempted to open a conservatorship savings account at the Chase branch on XXXX XXXX in California with banker XXXX XXXX. I provided certified Letters of Conservatorship and related court documentation. XXXX XXXX took my documents and advised me that I would be able to complete opening the conservatorship savings account in Tennessee. 

On XX/XX/XXXX, XXXX XXXX called me and stated that Chase legal had advised him that I would need to return to California to open the account in person. I explained that this was not possible and that I had been told the account could be opened in Tennessee. He said he would contact Chase legal again and call me back within an hour. He never did. 

On XX/XX/XXXX I subsequently attempted to reach XXXX XXXX by email to obtain clarification. He did not return email. I later received only an automated out-of-office response and no substantive follow-up.

About a week prior to this, I had contacted the Chase branch in XXXX XXXX, Tennessee, under the belief I was going to be able to conclude the opening of the conservatorship savings account as initiated by XXXX XXXX in California. An appointment was scheduled for XX/XX/XXXX. On the day of the appointment, I was called and told that the banker who could handle conservatorship accounts was not available. No follow-up appointment or guidance was provided. 

Nearly a week later, on XX/XX/XXXX, I called Chase again and spoke with the branch manager in XXXX XXXX. He apologized for the lack of follow-up and stated he would consult Chase Legal. He later informed me that Chase required multiple items from my attorney, including a letter certifying that the California conservatorship order would be enforceable in the state of Tennessee. My attorney has advised that such a certification is not legally appropriate or possible.

I am concerned that Chases conduct reflects : Inconsistent and unclear conservatorship policies Unreasonable documentation demands that exceed legal requirements Failure of staff to return calls or respond to emails Lack of coordination between branches Barriers that prevent conservators from fulfilling court-ordered responsibilities These practices place vulnerable individuals estates at risk by delaying or denying access to necessary banking services.

I respectfully request regulatory review of Chases policies and handling of conservatorship accounts, particularly where valid court documentation has been provided and the conservator is acting in good faith.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX XXXX XXXX

Company response to consumer: Closed with explanation