Consumer complaint received 2019-11-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During XX/XX/XXXX, CHASE CARD offered me credit that I did not apply for or request through its promotional Amazon Prime Rewards Visa Signature Card program. Also, CHASE CARD sent me a credit card although I never requested any credit nor accepted any credit offered. The card was never activated but instead immediately destroyed, and I never authorized or signed any agreement to request or obtain credit services from CHASE CARD. 

During XX/XX/XXXX, CHASE CARD mailed me a credit card statement for the same referenced account that I had not opened. The statement reflected a {$99.00} charge for an Amazon.com Prime membership which I never agreed to purchase and did not want. I did not sign up for any membership services with Amazon, nor did I have the intention of signing up for a membership service. I have not ever purchased or utilized any Amazon Prime membership services at any point. 

In XXXX of XXXX, I received a phone call from a CHASE CARD collections representative attempting to collect outstanding balances charged to the card for the initial Amazon.com Prime membership that I did not purchase and other monthly fees and charges for card I did not request. During the call I informed the collections representative that I had not purchased any Amazon.com Prime membership and that CHASE CARDS had issued me a card that I did not request. Rather than resolving the issue immediately, the CHASE CARD employee advised me to make a payment for the charges I was disputing during our call. The CHASE CARD employee advised me to contact Amazon.com to resolve the issue but took no meaningful action to resolve the problem or close the account. 

Shortly after the XXXX call with the CHASE CARD collections representative, I contacted Amazon.com to seek resolution to the unauthorized charge for the Amazon.com Prime membership that I did not request, and Amazon promptly canceled the Prime membership. Amazon.com also informed me that I would not be responsible for any charges associated with the Prime membership error. 

In XX/XX/XXXX, I pulled my personal credit report from all three credit bureaus as part of my annual review. All three bureaus reported derogatory information for non-payment and an ultimate charge-off for the balances to the CHASE CARD described. I have never requested or authorized any type of credit relationship of any kind with Chase Bank, CHASE CARD, or any known affiliate organization. 

In XX/XX/XXXX, I disputed the information reported on my credit reports with all three credit bureaus and CHASE CARD through written correspondence. 

In XX/XX/XXXX, I received written correspondence from all three credit bureaus and CHASE CARD, which informed me that the findings of their investigation had revealed that the information reported on my credit report was reported accurately. 

In XX/XX/XXXX, I pulled my personal credit report from all three credit bureaus as part of my annual review. All three bureaus reported derogatory information for non-payment and an ultimate charge-off of the balances to the CHASE CARD described. 

The information currently being reported in my credit reports for a CHASE CARD is not correct. I have never requested or accepted credit from CHASE CARD. I have never made any purchases with a CHASE CARD. Amazon quickly removed the charges associated with the disputed Amazon Prime membership but CHASE CARD refuses to correct my credit records to accurately report that i did not request credit or otherwise enter into a business relationship with them. 

Please see the attached letter for an additional detailed summary of this issue.

Company response to consumer: Closed with non-monetary relief