Consumer complaint received 2025-01-24 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.

Complaint narrative:
I opened an account at Chase Bank as a legally established company in the XXXX. It is a single-member LLC under the name XXXX XXXX XXXX 
When opening the account, I spent almost XXXX hours there. They reviewed everything to ensure it was correct and that the service I would provide was entirely legal. After the review, my account was opened, and I was told I could access all the services the bank offers. 
Weeks later, I requested their QUICKACCEPT service, which allows me to charge my clients through a payment link so they can pay online, with the corresponding fees deducted. 
This service did not work for me because I was informed that I needed a Social Security Number ( SSN ). I explained that I couldnt have one because I am a foreigner, which is why I have a company in the XXXX to conduct my activities. I had clarified this fact when opening the account, and the bank was fully aware that I am a foreigner and do not qualify for a Social Security Number. 
After many messages with no response and attempts to file a complaint, I was told over the phone that they would look into the matter. Finally, XXXX XXXX XXXX called me and said that I could not access this service. She also mentioned that even if I obtained an ITIN for my company, there was no guarantee that I would be granted this service because I would need a track record of time to demonstrate my companys activities and movements. 
I then requested information on how to close my account with the bank since I was unable to use the services they offer. I asked XXXX XXXX to provide me with this response in writing, but she never sent it. When I followed up, I received no response. Her responses have been evasive, without clarifying the matter. I attach to this complaint the emails that demonstrate everything I am explaining ( emails are in spanish ).

Through Chase Banks messaging service within my account, I sent complaint messages requesting to speak with a supervisor to understand why I was not receiving a response or why I was being treated in a discriminatory manner. Similarly, the responses have been evasive. In the last message, I was even told to stop writing about this issue when I requested the name or email of a supervisor or someone responsible for these employees. 
My complaint is that I am not being provided with the information in writing, which is the only valid format, clearly stating what was communicated to me over the phone. As a company, I can not access the QUICKACCEPT service for online payments because I do not have a Social Security Number. Additionally, even having an ITIN as a company does not guarantee that I will be granted this service. The requested response is a simple YES or NO, but it must be in writing because I am responsible for what happens with this company. The inability to carry out activities in the U.S. is causing significant harm to me. 
Furthermore, I address this complaint to you because Chase Bank must have someone responsible for handling complaints. While they have every right to deny me this service, they should at least have the courtesy or professionalism to apologize for the poor treatment I have received. It is unacceptable that their employees do not respond to emails and evade their responsibilities, mocking a customer in the process. 

I believe there must be an appropriate channel for this complaint, and the bank should take responsibility.

Company response to consumer: Closed with explanation