Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am a verified and documented victim of identity theft. I provided Chase with : An FTC Identity Theft Affidavit and Report ( Report # XXXX ) A police report from the XXXX Police Department ( Case # XXXX ) A copy of my XXXX  drivers license ( front and back ) My U.S. passport and Social Security card A XXXX IRS 1040 Clearance letters from both XXXX  and XXXX XXXX XXXX ( XXXX, dated XX/XX/XXXX ) On XX/XX/XXXX, I visited Chases branch at XXXX XXXX XXXX XXXX in XXXX XXXX ( manager : XXXX XXXX ) to open a consumer checking account. I was denied, with no explanation. This was despite Chases own Customer Service department previously confirming that I was eligible, following the fraudulent reopening of my former deposit account ( ending in XXXX ) by identity thieves in XX/XX/XXXX an account I had already requested closed. 

After the denial, I called Chase XXXX XXXX XXXX, who contacted XXXX internal departments and confirmed there was nothing on file that should be preventing me from obtaining banking services. 

After forming a new business entity in XXXX XXXX, I scheduled a meeting with Chase XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX ). Given my earlier denial, Chase opened XXXX XXXX XXXX # XXXX to investigate why I was being blocked from opening a business or consumer account. 

During my meeting, I was told that I was being auto-declined due to an XXXX  flag despite having submitted the official clearance letter. XXXX XXXX also confirmed that the earlier deposit account had been zeroed out and closed. However, the XXXX Chase credit cards involved in the identity theft remain in charge-off status, even though they were listed in my XXXX XXXX XXXX XXXX my original CFPB complaint XXXX and have now been blocked by all three credit bureaus. 

XXXX minutes later, I received a call from XXXX XXXX the Chase XXXX XXXX XXXX who claimed she was looking into it. When I asked if they had received my fraud packet, she said no and also dismissed the FCRA 605B requirement that the matter be resolved within 4 business days. 

On XX/XX/XXXX, I received a follow-up call from XXXX or XXXX XXXX XXXX XXXX ) in Chases XXXX XXXX XXXX XXXX They stated that my email was received, but not the attachments. I was told to physically bring my documentation into a branch and have it uploaded. 

I returned to XXXX XXXX, where XXXX, a branch manager, was helpful. However when she attempted to locate XXXX XXXX # XXXX using my SSN, it was not connected in Chases internal system. 

In short : Chase has failed to link this XXXX XXXX case to my Social Security Number, causing a continued denial of service despite full fraud clearance. 

I was also informed directly by the XXXX XXXX ( XXXX ) that Chase reserves the right to deny or close accounts at any time, without cause or warning, even in cases involving cleared identity theft. This statement paired with the system failure is clearly retaliatory, discriminatory, and obstructive. 

The XXXX Office Managers tone was dismissive and combative. She repeatedly asked whether this was just a matter of principle, to which I responded : No its about being repeatedly denied basic consumer banking services after being a documented victim of identity theft, and about Chases continued violations of the Fair Credit Reporting Act. 

Chase previously acknowledged CFPB XXXX # XXXX ( regarding the credit cards ), but has failed to delete those fraudulent tradelines and has not restored my access to basic consumer banking, despite having been presented with verified identity theft resolution documents.

Company response to consumer: Closed with explanation