Consumer complaint received 2019-07-29
Company: JPMORGAN CHASE & CO.
State: TX
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:
I am writing this follow-up complaint to my last complaint filed with Chase Bank N.A. The company sent a response letter to an address that again was fraudulent and used to obtain the accounts in the first place. Many years ago in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX Chase opened and allowed a thief to open Credit cards, and 2 Checking and 2 Savings accounts in my name. This was an Identity Thief that opened these accounts. I advised Chase of such, and Provided Chase with a Law Enforcement Identity Theft Affidavit. Chase considered my documents a Joke, and didn't properly investigate the issue. I received a letter from Chase on my response with of course that fraudulent address again ( had to pull the letter from CFPB. ) Which stated that the Credit Card ( s ) Were closed due to Fraud and that a thief had in fact applied and obtained those products. As well as the checking and savings accounts. I have not applied for any Chase products, Nor did I ever obtain these physical cards and or any documentation related to the Credit cards or Checking account ( s ). These accounts have been blocked and removed from my credit reports and Chase sent a letter to me a few months ago to my actual correct address advising me that the Cards were charged off due to fraud. The whole purpose in my last complaint was because chase is not actually conducting investigations nor are they doing what they say they are on the letters they send to consumers. I have never banked with Chase, nor do I have a banking relationship or relationship with the bank at all. I was originally scheduled to be hired a few months, ago. I passed the background check no issues, when it got to their " Security Scan '' After they hired me. I find out that they stated I had some checking account that was closed with the bank and that I couldn't be hired. When I advised them that this was fraud again they did not care and nor did they investigate. If they had actually investigated they can clearly see my Drivers License address, Issued date, and Signature do not match the ID they have on file which was filed as Fraud. Additionally, I finally have corrected the Fraud off my Credit Report and Applied for my first ever credit card with Chase Application # XXXX. Chase pulled my credit and the Analyst recommended it for Approval. It went to some other analyst who Denied it with the reason being " Unsatisfactory Relationship with the bank '' " Too many applications for Credit ''. Now Again this unsatisfactory relationship stems from those Credit Cards that WERE FRAUD and OPENED BY A THIEF. In the past. I have a letter confirming those accounts were fraud and these accounts are not on my consumer credit reports, which I will be happy to provide to Chase as well. Chase has not worked with me to resolve any of the fraud. They continue to state, that these Checking accounts were authorized and when in fact they were not. I have been working to resolve the Identity theft for many years. Hence why I have a Fraud Alert on all 3 Credit Bureaus. Please review the documentation and if anything is requested I will be happy to comply with the investigation and provide further documentation on such crime.

Company response to consumer: Closed with explanation