Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I'm a victim of ID theft already and I was taking my beneficiary check to open a new acct with Chase Bank in XXXX on XXXX XXXX spoke to two managers and I told him that I needed to open the account today I said it's either you or XXXX that's going to open this account today because I need the available funds to pay my rent today so she led me over to a manager said I can help you that was that XXXXXXXX XXXX. after the teller asked me an immense amount of personal questions on top of nothing that had to do with the account probing over my trust documentation that had nothing to do with the account and specifically distracting the entire purpose that I needed to open his account which I needed anecdotes and conversation she told me that there was accounts under my name that were started but there was no actual account I asked for a printout she didn't provided after sitting there until XXXXXXXX XXXX she said she had to go talk to her supervisor so she could explain to her that I was a victim of identity theft and tell her about how I was attacked with an overall account takeover the manager came in first thing she said to me was to sign the check which I thought was strange I wanted to know what their procedures were and order for me to be protected 100 %. She said it's all standard with all banks I said no I want a specific code she said well they're going to have to text you every time anyway so that's not good enough I want a code in between the bank and myself because I am at a high risk I don't want anything happening to my money now per the website it says depending on the check amount I should have gotten at least XXXX available immediately the check was for {$20000.00}, she said I'm sorry we can't do that nothing will be available I said it says right here on opening account by law at least {$270.00} will be released she said no I don't know where you found that from she had a foreign accent of course and she said no we have to hold this check for 14 days I said why did you waste my time this entire time when I told you I needed an available balance so that I could go pay my rent she said no I didn't why didn't you go someplace else I said I told you it's either you or the other bank down the street you said you could do this she said no I never said that so they wasted my time and the line because the contradiction with their website stated that there would always be something available on depositing a check I was very upset with it at this time I said make sure you get all of my information off of your system I Want It All voided you have my social security number you have everything I want you to avoid it all I didn't get a very comfortable feeling that that was going to be done so I'm reporting them because of the poor communication and misleading me making me wait all that time to have an end result of nothing but disappointment I want to ensure that my information is wiped clean off of their system immediately and I want them to write a letter stating that all has been avoided and deleted

Company response to consumer: Closed with explanation