Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX ( XXXX XXXX-business name ). A chase credit card account ending in XXXX was opened via breach of contract by XXXX XXXX XXXX. I did not open or sign a contract for this Chase credit card myself. 

Unfortunately I have not been able to have this fraudulent claim disputed on my XXXX  XXXX XXXX XXXX since XX/XX/2022. I have contacted Chase many times about closing this account ( XXXX times ), and relieving me the responsibility of paying for the fraud transaction. This account continues to be reopened with fees incurred. When speaking to Chase representatives, I am told to make a minimum payment ( Which didn't help my case since it now seems like I wanted this account ), I am told and sent letters that the account is closed ( Which it is not ), or I am transferred through a series of people who are unable to help me ( creating more time to accrue more interest ). 

A company named XXXX XXXX XXXX used my personal info and social security number to apply for cards, Chase being XXXX of them. There was no mention of negotiating with banks for credit cards only. XXXX transferred my signatures used for the initial consultation to all documents to open credit card accounts. XXXX XXXX XXXX was very misleading when they claimed to help me start up my business in order to purchase a building with a loan. I agreed to being able to build business credit, and have all fees XXXX XXXX tax deductible through my business XXXX. 

When I received a transaction amount of {$7500.00}, I tried to dispute this with them and immediately called Chase to begin a fraudulent claim. 

Once I found out they had opened credit cards in my name, I had multiple hard inquiries on my credit report, and was unable to qualify for loans. I have tried to reach out to them over the past XXXX XXXX I went through several representatives at XXXX XXXX XXXX that said they would call back to discuss the dispute. Each one took a different transaction, spoke to me about contracts, and would no longer be in office after the initial discussion. This made it impossible to reach anyone. Names of agents I spoke to but not able to reach after having XXXX interactions- ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Due to the timeliness of this claim and neglect on Chase 's behalf, the late fees and interest are currently affecting my business credit. 

Thank you for taking the time to help in this matter. Attached are documents I was able to gather from the company XXXX XXXX XXXX XXXX XXXX ) and a report made to the XXXX  ( XXXX XXXX  XXXX ). etc. 

As far as the police report, this was a verbal discussion with the XXXX XXXX XXXX, who stated the best way to dispute the unauthorized charges was to contact the business for a refund and there was nothing further they were able to do since I agreed to initially work with the company. 

I contacted XXXX XXXX XXXX  several times via email & phone with no responses or I would receive an email with new representatives that would not contact me.. 

XXXXOther Fraud reports against this company https : XXXX

Company response to consumer: Closed with explanation