Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
Please also refer to attached documents that I have sent over countlessly to all three credit bureaus by verified mail and fax and the below credit card companies by fax. I have documentation of ALL of this, so they can not dispute any of it. In XXXX of XXXX, I went to try to purchase my first car by myself. Upon applying, I was told that I needed a cosigner because my credit score was not high enough. This greatly confused me since I had never missed any payment on anything and have a no debt outside of student loans. Therefore, I began to investigate and saw on my credit report several credit cards under my name, some with no balance and closed and others with balances totaling $ XXXX PLUS {$4000.00} in furniture from XXXX which was never paid by my parents and sent to collections. I called each card company and they told me that XXXX and XXXX XXXX, who are my parents, opened the cards and were making payments, but on the XXXX  XXXX XXXX, XXXX, and XXXX cards they STOPPED MAKING PAYMENTS. These accounts first started to be opened TWO MONTHS AFTER I TURNED XXXX YEARS OLD!!!!!!!! I contacted XXXX XXXX first, since two accounts were under them, and they investigated and found that the accounts were fraud and were opened by my parents. The collections agency also did the same for the XXXX XXXX. However, XXXX  XXXX XXXX, XXXX, XXXX, and ALL THREE CREDIT BUREAUS are REFUSING to investigate or remove these accounts from my name and credit report after 3+ times submitting disputes, documentation, federal and police reports, etc. WHY CAN XXXX XXXX DO THEIR JOB BUT THE OTHER COMPANIES CAN'T? MY PARENTS WERE MAKING PAYMENTS ON THESE ACCOUNTS PER THE CREDIT CARD COMPANIES SO WHY CAN'T THEY SEE WHAT ACCOUNT WAS BEING USED TO PAY THESE????? ISN'T OBVIOUS THAT MY PARENTS WERE USING THEIR DEBIT ACCOUNT TO PAY OFF THESE CREDIT CARD STATEMENTS?????? WHY WILL THEY NOT INVESTIGATE THAT ESPECIALLY AFTER THEY TOLD ME THAT THEY CAN SEE THAT XXXX XXXX AND XXXX XXXX OPENED THE ACCOUNTS????? I AM TIRED OF GETTING THE RUNAROUND AND LIED TO. I AM A VICTIM OF IDENTITY FRAUD BY MY OWN PARENTS AND THEY ARE NOT TAKING THIS SERIOUSLY AND OKAY WITH THIS RUINING MY LIFE. PLEASE HELP ME. I EVEN PLACED CREDIT FREEZES THROUGH ALL THREE BUREAUS BECAUSE I WAS SCARED OF MY PARENTS DOING THIS MORE TO ME SINCE THE LAST INSTANCE OF THEM USING MY INFO FOR MONEY OR CREDIT WAS IN XXXX!!!!!!!!!!!! PLEASE HELP ME!!!!!! THIS IS DESTROYING MY LIFE!!!!!! I AM FULLY READY TO TAKE 100 % LEGAL ACTION AGAINST ALL PARTIES. XXXX XXXX XXXX ( XXXX ) Parents made and opened account from XX/XX/XXXX XX/XX/XXXX Opened by XXXX XXXX XXXX who is my father per agent ; Spoke to XXXX ( fraud agent ) on XX/XX/XXXX and he states my fathers number XXXX is the # associated with the account. Account was closed in XX/XX/XXXX per XXXX by someone, most likely one of my parents, so I called XXXX XXXX XXXX back. XXXX XXXX fraud agent flagged account as fraudulent on XX/XX/XXXX and stated he will let the credit bureaus know of account being fraud ; he also stated that he opened a dispute. " account officially closed XX/XX/XXXX and this was reported to bureaus and should be off credit by early XX/XX/XXXX! ( 45-65 days ) '' - this was stated per XXXX Correspondences was never sent by mail contacted them on XX/XX/XXXX ; XXXX from Texas fraud agent also states that fraud dispute was never sent through and that she would have to open the dispute again today ; claim # XXXX ; asked agent NOT to send correspondence to the XXXX address that is on file per XXXX which is my parents address and information and not mine and she states she is putting this in the notes. Asked to speak to supervisor and XXXX hung up on me. Called back spoke to supervisor who guaranteed me that the information was sent to all three credit bureaus for this information to be removed as XXXX XXXX XXXX determined it was fraud, HOWEVER ALL THREE BUREAUS ARE CLAIMING THAT THEY NEVER RECEIVED THIS CORRESPONDENCE. Fax # : XXXX sent police report, FTC report, IRS report, and affidavit of fraud that was notarized to XXXX XXXX XXXX AND all three credit bureaus on this info on XX/XX/XXXX PLUS disputes for all three fraudulent accounts. On XX/XX/XXXX, I received mail from XXXX stating that they will not remove this information from my credit report and stated that they " verified the accounts belong to me '' but HOW DID THEY VERIFY THIS? BECAUSE THE INFORMATION IS WRONG AND MY PARENTS USED ALL OF MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS!!!!! I HAVE SENT IN NUMEROUS DOCUMENTS, SUBMITTED SEVERAL DISPUTES AND REPORTS BOTH BY MAIL AND BY PHONE AND THIS IS THE 3-4TH TIME I AM DISPUTING AND KEEP GETTING DENIED AND TOLD THAT THESE ACCOUNTS ARE MINE WHEN MY PARENTS OPENED THESE ACCOUNTS FRAUDULENTLY IN MY NAME STARTING AT AGE XXXX. I AM TIRED OF THESE CREDIT BUREAUS LYING AND FAILING TO DO THEIR JOB. JP Morgan Chase ( XXXX ) Parents made and opened account from XX/XX/XXXX - XX/XX/XXXX Spoke to XXXX ( agent # XXXX ) at Chase on XX/XX/XXXX he opened a fraud dispute on the account and stated that investigation/resolution of the case could take 30-90 days. Follow-up placed XX/XX/XXXX was told that Chase will contact regarding update on the investigation Contact # XXXX Follow-up XX/XX/XXXX stated the account was valid??? so 2nd dispute put in and I sent affidavit, FTC, IRS and police reports by fax Fax # : XXXX affidavit and reports faxed XX/XX/XXXX XXXX direct line to fraud dept ; XX/XX/XXXX stated 4-7 business days for review Mailing address : Attention correspondence department chase card services ; XXXX XXXX XXXX XXXX, DE XXXX Agent states that this account was opened by XXXX XXXX XXXX who is my father ; account also had parents phone numbers on it and their information, only had my name, DOB and social security number associated with it, everything else was their information XXXX ( fraud supervisor ) spoke to me on XX/XX/XXXX ; she spoke to and transferred me to collections ; XXXX XXXX collections specialist ( XXXX ) ; XXXX also logged my complaint and asked for XXXX to contact me directly. XXXX never contacted me and then gave me a nonworking number to contact her by. I contacted her again and she failed to log my dispute. Contacted several times on XX/XX/XXXX and XX/XX/XXXX call was not returned until XX/XX/XXXX and voicemail left. Was told I needed to prove that the XXXX account was disputed and would need to send them this documentation in order for them to investigate this account. call back # XXXX - I HAVE NEVER HEARD OF THIS IN MY LIFE. Account Charged off remaining balance {$5400.00} XXXX ( XXXX ) Parents made and opened account from XXXX Opened by XXXX XXXX XXXX , who is my father, per agent that I spoke to XXXX Spoke to XXXX at XXXX on XX/XX/XXXX account marked by her as fraudulent and stated to contact credit bureaus to dispute Spoke with XXXX at XXXX again on XX/XX/XXXX regarding dispute update since she was supposed to call me back and never did ; she told me to contact Charge Off Fraud Department at XXXX ( XXXX ) Contacted again XX/XX/XXXX Charge off Department and spoke to XXXX ; dispute opened by this person per his report ; investigations can take up to 90 days per XXXX ; I NEVER HEARD BACK FROM THIS COMPANY AND THEY REFUSE TO PROPERLY INVESTIGATE THIS ACCOUNT. fax # : XXXX and affidavit + reports sent Closed/charged off XXXX  XXXX Journey ( XXXX ) ( DISPUTED ) Opened XX/XX/XXXX Disputed and determined to be FRAUD per paper correspondence and was removed from credit history per XXXX  XXXX document on XX/XX/XXXX Opened by XXXX XXXX XXXX per XXXX XXXX agent that I spoke with on the phone Closed/Charged off 2nd step police report filed XX/XX/XXXX with XXXX XXXX Police Fraud Team Made report on XX/XX/XXXX @ XXXX XXXX Police report # XXXX Zone 2 police covering To obtain copy of report XXXX Directed to contact credit bureaus Copy of police report obtained XX/XX/XXXX Detective XXXX XXXX on the case XXXX ; XXXX ( e-mail ) 3rd step CREDIT BUREAU DISPUTES XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke with XXXX o She noted down that the security questions were all parents info parent name, address, phone number o Letter being sent to me by XXXX to set up a pin and a credit freeze was placed o Told to contact other credit bureaus and let them know o Told will be contacted in 3 business days by fraud department o Credit freeze in place XXXX XXXX ( XXXX XXXX XXXX ; contacted XX/XX/XXXX @ XXXX XXXX o Spoke to XXXX o Fraud alert added by XXXX o Accounts in my name XXXX XXXX  XXXX, XXXX , JP Morgan disputes were filed by XXXX on my behalf XXXX confirmation for the disputes filed o They will let XXXX and XXXX know about fraud alert o Sending me a report with everything! will be sent to me in 3 days Mailed back request to dispute fraudulent accounts; waiting to hear back as of XX/XX/XXXX heard back and told to contact individual card companies o Credit freeze placed. 

Company 's Response After our review, our position has not changed. The account is valid. During our review, we found correspondence for the account was sent to an address that verifies to you. We have no record of return mail. We also confirmed a balance transfer processed on account. For these reasons, the account is not fraudulent and you are liable for the balance. Enclosed please find a copy of the previous response letters we sent you dated XX/XX/XXXX, and XX/XX/XXXX. Because the information we provide to the credit reporting agencies must match our records, we can not comply with your request to delete the account from your credit report We can not speak on behalf of other companies mentioned in your complaint. We recommend that you contact those companies directly. 
ATTACHMENTS XXXX, XXXX Final Letter XXXX ( 305.7 KB ) STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS JP Morgan Chase 's " investigation '' into the fraudulent account was NOT thorough and is an attempt to commit fraud themselves through false allegations that the account in question was mine. The account is NOT mine and I DO NOT agree with the investigation findings. " Tracing the address back to my name '' is an inaccurate claim, as I do not live at that address nor have I for years PLUS I was living at the address as a minor and as a young adult when this crime was committed by my parents. Additionally, XXXX XXXX  conducted their own investigation and concluded that all accounts were FRAUDULENT, as did every other card company EXCEPT JP Morgan Chase, which has been the only card company to not heavily investigate my case, which further proves my argument that they themselves are committing fraud and I will pursue necessary legal action against them should they not properly investigate my case. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS HERE IS XXXX XXXX XXXX ' RESPONSE TO MY CASE AND UPON THEIR INVESTIGATION : " XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX ending in XXXX Consumer Financial Protection Bureau No. : XXXX Dear XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. Our records reflect that the above referenced XXXX XXXX account was opened on XX/XX/XXXX, through an application submitted on XX/XX/XXXX. Per your assertions that the account was opened fraudulently using your information, we initiated an investigation. The investigation was completed on XX/XX/XXXX, and it has been determined that you are not liable for the account or balance. An update has been sent to the credit bureau reporting agencies requesting the account be removed from your credit profile. Please allow a reasonable amount of time for your credit reports to update. We report to the following credit bureau reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, GA XXXX XXXX, TX XXXX XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX to XXXX XXXX ET. Sincerely, XXXX Executive Office of Customer Advocacy CC : CFPB '' JP Morgan Chase 's Card Fraud Services Supervisor stated to me that I needed to " show proof that XXXX determined that the accounts were fraud before JP Morgan Chase would proceed with removing the JP Morgan Chase account off my credit report '' which was stated by XXXX XXXX, as I mentioned in my initial complaint and how poorly she handled my case. THEREFORE, PLEASE SEE ABOVE AND CORRESPOND WITH XXXX XXXX XXXX. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS XXXX investigated and found the accounts to be fraud, yet JP Morgan Chase is inaccurately claiming that the account is valid WHEN THEY SAID I NEEDED PROOF FROM XXXX FOR THEM TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT. AT THIS POINT I HAVE HAD ENOUGH AND I AM GOING TO PURSUE LEGAL ACTION AT ALL LEVELS INCLUDING AN FBI INVESTIGATION INTO THEIR PRACTICES.

Company response to consumer: Closed with non-monetary relief