Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2024 I met with XXXX XXXX XXXX? ) at the Chase bank in XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX phone : XXXX ) to open a personal checking account with XXXX people on the account ( XXXX ) XXXX XXXX XXXX ( XXXX ), ( XXXX ) XXXX XXXX ( my wife ) and ( XXXX ) XXXX XXXX ( our property manager in XXXX  XXXX ). XXXX set up the account ( ending in XXXX ) with my name and my wife 's name on the account. We had XXXX XXXX on the telephone at the time and my wife and I wanted him added to the account at that time. XXXX was willing, if necessary, to go to the Chase bank in XXXX  XXXX. XXXX has a checking account with XXXX in XXXX  XXXX. However, XXXX refused to add XXXX at that time telling us to let the account be confirmed and set up the automatic deposits of the rents and other deposits and set up the automatic payments for mortgages and other expenses related to the property in XXXX  XXXX. So we did as she said. 

On XX/XX/2024 at XXXX am my wife and I met again with XXXX at the XXXX XXXX branch of Chase Bank for the purpose of adding XXXX to the account. Once again we had XXXX on the phone and he was willing, if necessary to go to the Chase Bank in XXXX  XXXX. XXXX was able to verify that XXXX was an account holder at Chase Bank in XXXX  XXXX, but after many tries was unable to add XXXX. The stated reason was that XXXX must be present with us in XXXX XXXX -- which is ridiculous as no one would drive 1500 miles just to open a banking account. XXXX agreed that XXXX should not have to drive 1500 miles and said she would check with her manager to see how to resolve the problem. 

I received a phone call sometime later ( not sure of the date ) from XXXX indicating she had made a mistake. She said that someone like XXXX who can not be present with us must be added to the account when the account is opened -- but there is no way to add him later unless he is physically present with the both of us in the same location. I pointed out that on her advise I had set up all the automatic deposits and automatic payments to come out of that account and that took me several weeks to accomplish. So we needed an exception to get him on the account. Opening a new account was too much to ask. XXXX agreed to check with her manager and get back to me. 

On XX/XX/2024 around XXXXXXXX XXXX I received a call form XXXX who said he was the " Case Manager '' assigned to my case ( case no. XXXX ). He said that Chase would not fix the problem. I must cancel the current account and open a new account. Otherwise XXXX must be physically present with me and my wife in order to have him on the account. I asked for the name of his boss so I could escalate -- but he refused saying this is the final decision. 

I just want XXXX added to the existing account. I don't understand why this would be a problem. Chase provides no reason. It seems to be arbitrary. I hope the CFPB can assist me with this issue. 

Thanks ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation