Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: IL
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:
A Chase Amazon.com credit card was opened fraudulently in my name on XX/XX/XXXX. I became aware of the account thanks to a credit monitoring service I had in place that sent me a notification on XX/XX/XXXX. I contacted Chase same-day to let them know I had n't requested a credit card. The account was subsequently closed and a request to remove the credit inquiry was submitted to the credit bureau. I notified the Chase customer service representative ( CSR ) that at no time in the future would I attempt to open a Chase Amazon.com credit card, and asked that no future applications be processed or credit reports be pulled using my personal information. The call took almost an hour to complete, which included speaking to a CSR and member of Chase 's fraud department. <P/>On XX/XX/XXXX, my personal info was used once again in an attempt to open a Chase Amazon.com credit card. The same credit monitoring service alerted me to a Chase credit report request, which prompted me to contact the financial institution a second time. The Chase customer service representative submitted another credit inquiry removal request to the credit bureau, but stated there was no action the bank could take on their end to prevent my credit report from being pulled in conjunction with an Amazon.com credit card application. As in XXXX, the call was almost an hour long and included discussions with both a CSR and member of Chase 's fraud department. <P/>On XX/XX/XXXX, I received a notification from my credit monitoring agency that a credit report request was submitted by Chase yet again. When I contacted their customer service line, I was told a third application for an Amazon.com credit card was submitted. The Chase CSR and fraud department representative submitted another dispute to the credit bureau ( " XXXX '' according to the fraud department representative ). I was told by the latter individual that Chase can not stop a credit report from being pulled when an application is submitted for an Amazon.com card, and that it may take " up to three months '' for an inquiry to be cleared from my credit report. I spoke to a third Chase representative who told me that the XX/XX/XXXX credit report request had been removed by the credit bureau, but that the XX/XX/XXXXdispute had not yet been processed. This call lasted almost an hour too. <P/>I contacted Amazon.com customer service on XX/XX/XXXX and was told by the customer service representative that she was not familiar with a method to prevent submission of a credit card application from that company 's perspective. She stated that she entered an internal escalation to Amazon.com 's  fraud department to share my experiences, and that I should expect to hear from someone " in the next 24 hours. '' My concern is that neither Amazon.com nor Chase Bank have adequate internal controls to prevent repeated fraudulent attempts to apply for a credit card using my personal information and that three separate credit report requests have been processed which could have negatively impacted my credit score. I have spent considerable time on the phone with customer service representatives to rectify these issues, and both companies were unable to share concrete steps they 'll take to prevent this same issue from occurring in the future.

Company response to consumer: Closed with non-monetary relief