Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I received in the mail six ( 6 ) separate envelopes containing a total of 11 UNSOLICITED CREDIT CARDS from Chase Bank ( Marriott Bonboy- BOUNDLESS card ) under the following names : XXXX XXXX XXXX 1 credit card XXXX XXXX XXXX 10 credit cards These two individuals, if they exist, are completely unknown to me, to my wife, or any member of our family. The only reason we found out about all of these cards is because they were sent to our home address! 

On the same day, I reported this fraudulent activity to the Marriott Bonboy ( previously known as Marriott Rewards ) Boundless card- Chase support phone line at # XXXX. They collected the information and referred me to their Credit Department Desk and we talked for about 44 minutes, where in addition : 1 ) They changed/reset a new user name and new password for me to use on their website, and also asked for a second secure password and new security questions.

2 ) They said they will provide me with a new credit card number.

3 ) They said they will monitor any activity on the previous credit card number for an additional 60 days.

4 ) They advised me to make a report to XXXX or any other mayor Credit Reporting Agency. 
5 ) I reviewed recent statements dating back to XX/XX/XXXX with them and recent purchases until XX/XX/XXXX and no unusual charges were found. 

After reseting my computer and e-mail account passwords, I could not find signs of any problems with my email or any fraudulent charges or suspicious activity on our other financial accounts, including bank or investments accounts. 

I should point out that my wife and myself, we have been the only designated users of the Marriott Bonboy-Chase credit card in for many years. I always get my statements in print and had never used the credit cards website until XXXX of this year when I signed in for the first time to get a copy of my XX/XX/XXXX statement and to inquire about any tax related report for my taxes. 

After reflecting on this, I wondered if the credit card website was perhaps hacked, so I called back the same Marriott Bonboy-Chase Bank Credit Department Desk ( XXXX ) on the same day ( XX/XX/XXXX ) and inquired again about that. I was told the problem might be related to someone stealing my e-mail information, and was told that their bank website was secure. 
I explained that I realized that as an individual person there is a risk of my email being hacked ; however, there is no evidence of that having happened, and this problem only arose after I signed into their website for the first time. Also, I am very cautious about those security issues and pointed out that even banks, credit reporting and utility companies and other businesses are also victims of these predators. Chase representative denied there was a hack to their system and insisted it was likely on my end, even though I have not detected ANY issues with any other accounts or my email. 

During the same conversation, I also pointed out that to my recollection, I did not receive any messages or notices from the Marriott Bonboy-Chase Credit Card company about the changes to my account user names nor any notices about a large number of credit cards issued under our account number, fortunately all those cards arrived to our home address. 

Also, on XX/XX/XXXX, after signing onto the XXXX XXXX XXXX XXXX XXXX, we called the phone number XXXX to report this issue in detail. 

The next day I filed a formal request by calling the XXXX Credit Bureau - Fraud Report at the number XXXX and after being given several options, I was prompted by the computer to file a one ( 1 ) year Monitoring Identity Theft Report.

Company response to consumer: Closed with explanation