Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase is refusing to allow me to open new accounts and access its products, claiming I already have an unknown number of checking accounts in its systems. I have never had a Chase account of any kind. 
Chases conduct is unlawful, discriminatory, and a violation of multiple binding federal laws and regulations. This is not just a customer service issueit is a regulatory compliance failure. 
XXXX. Fair Credit Reporting Act ( FCRA ) & FACTA Violations If Chase relied on consumer reports ( from Equifax, Experian, TransUnion, ChexSystems, or Early Warning Services ) to deny me products, Chase must comply with 15 U.S.C. 1681m ( a ) and provide me with an adverse action notice, identifying : The reporting agency, The specific factors leading to denial, My right to a free report and dispute. 
No such notice has been provided. This is a direct violation of FCRA 615.

If Chase is itself furnishing information about these alleged checking accounts to any bureau, then under FCRA 623 ( a ) ( 1 ) Chase has a duty not to furnish inaccurate information. Once notified of a dispute, Chase must conduct a reasonable reinvestigation and correct/delete any false data ( 623 ( a ) ( 2 ), ( a ) ( 8 ), and ( b ) ( 1 ) ).

Under FACTA ( FCRA amendments, 15 U.S.C. 1681c-2 ), once I declare these accounts fraudulent/unauthorized, Chase must block the information from appearing in consumer reports unless Chase proves otherwise with documentary evidence. 
2. Equal Credit Opportunity Act ( ECOA ) / Regulation B Violations Denial of credit or deposit accounts constitutes adverse action under 15 U.S.C. 1691 ( d ) and 12 C.F.R. 1002.2 ( c ). Chase must : Provide a written notice of adverse action within 30 days, State the specific reasons, and Provide the name/contact of the reporting agency ( if applicable ).

Failure to do so is a violation of Reg B 1002.9. Chases refusal to provide disclosures appears to be an unlawful adverse action that blocks me from equal access to financial services. 
XXXX. Electronic Fund Transfer Act ( EFTA ) / Regulation E Obligations If Chase claims these alleged accounts ever conducted transactions, they must be treated as unauthorized electronic fund transfers as to me.

Under 15 U.S.C. 1693f and 12 C.F.R. 1005.11, Chase is required to investigate, resolve, and correct such errors within 45 days ( 90 in limited cases ).

Continuing to associate me with unauthorized accounts without investigation constitutes a violation of Reg E and exposes Chase to liability for damages, attorneys fees, and regulatory action.

4. Bank Secrecy Act ( BSA ) / Customer Identification Program ( CIP ) Failures Federal law ( 31 U.S.C. 5318 ; 31 C.F.R. 1020.220 ) requires Chase to verify identity before opening any deposit account. 
If Chases records claim I have checking accounts, Chase must produce documentary verification used to open them : Government-issued ID scanned or copied, IP address/device fingerprint of application, Date/time stamps, Branch teller ID ( if in person ), Application signatures, audio recordings, chat logs. 
If Chase can not produce this, the accounts are either fabrications or identity-theft accounts, and continuing to hold them against me violates the XXXX recordkeeping XXXX and XXXX XXXX XXXX compliance. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) By blocking me from Chase products based on false information, Chase is engaging in unfair and abusive practices prohibited under Dodd-Frank 1036, 12 U.S.C. 5536. 
CFPB has explicit authority to sanction Chase for these practices.

Company response to consumer: Closed with explanation