Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am requesting an investigation into Chases business practice that allowed an individual to steal my identity to open a business credit card account using my Social Security number for a business that I am not affiliated with. Chases records will show the following facts : ( 1 ) I am not now and never was a registered Owner of the business ; ( 2 ) I did not authorize the individual to open this or any other credit card ; ( 3 ) The individual was in total control of how this card was opened and managed, i.e., making payments via the business account, a business I am not a part of. ; ( 4 ) my computers IP address was never used to conduct any communication with Chase regarding this card. 

I have requested copies of the credit card application and any standard documentation that Chase required from the person opening this account but they have refused my request. I am outraged that Chase approved this account without getting any form of authorization from me to approve a credit card with such a high limit. I am a victim of identity theft that was caused by Chases negligence. I have been trying to resolve this matter with representatives of Chase but have been given the run around. Chases conduct has damaged my good credit. Going after me to pay this high balance is in bad faith since Chase has the ability to go after the person rightfully responsible for this debt. Please let me know if I can provide you with any further information that will assist you into this investigation. 

XX/XX/2023- Requested an investigation into the fraudulent method used to open the Chase business credit card using my credentials. Fraud specialist XXXX was my contact, she advised an investigation would begin and I would be contacted within 30-60 business days. At that time I also requested a copy of the credit application that was used to apply for the card and was told to ask the investigator that would be assigned to the case. It was also relayed to me that while the investigation is ongoing, nothing would be reported to the credit bureaus. 


XX/XX/2023 - I received a letter stating it was determined that I am responsible for the balance due. I contacted the fraud department in reference to the letter. I spoke to a fraud specialist named XXXX. She advised that no one tried to contact me. I requested an appeal and that the investigation should be reopened. XXXX  advised that yes, she will submit a request for the case to be reopened and that someone will contact me in 4 business days. Again, I was advised that nothing will be reported to the credit bureaus. I requested a copy of the credit application again and was told this should be requested through the assigned investigator. 

XX/XX/2023 - I discovered that my credit score had dropped by XXXX points. After checking my credit report, I found that contrary to what I was told, Chase did indeed reported the outstanding balance to the credit bureaus. I called the fraud department again, I spoke with fraud specialist XXXX, he advised me that my case was closed on XX/XX/2023 and further that no one tried to contact me. I asked to speak with a manager and I was connected to supervisor XXXX. She was very condescending and confirmed the case had been closed and suggested at this point I should start making payments. She advised she will request the investigation be reopened based on me disagreeing with the decision ; however, she wants me to know the conclusion will be the same. She also advised I will not receive a copy of the credit application.

Company response to consumer: Closed with explanation