Consumer complaint received 2017-09-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi, my name is XXXX XXXX. On XXXX XXXX XXXX i received a letter from chase bank informing me that they were notified from my attorney that they will not contact me any further about my account, and all communication will go directly to my attorney. The problem i have here is, i have not hired an attorney to do this its an account i just opened. that has n't been activated yet. I applied for this card on XXXX XXXX XXXX, i received the card on Thursday XXXX XXXX, XXXX. The letter is dated XXXX XXXX, XXXX. I know very confusing right? So i called the number on the paper work that i received and spoke to 1 of the 2 people i was transferred too. The first lady i spoke with was named XXXX XXXX was her id number i asked for information about why there was an attorney on an account that was not even activated yet? She has no record of this paper work nor any notes of a lawyer, she did offer to note the account to not communicate with the lawyer, Red flag! the letter stated i had to send that to them in writing! I then asked if the could give me the lawyers name? She said she did not have that information. Hmm!! But she said she was going to note the account not to communicate with the lawyer that she has no knowledge of! So at this point i asked her to cancel the card because this is way to suspicious. She did try to convince me that was not necessary there was nothing wrong with the account, but at this point with all the vague responses i was getting, i just wanted to cancel. so she transfers me to another extension to cancel with whom i spoke to another lady whose name is XXXX no id number provided, so i explain the letter to her and she made a valiant effort to look at the notes and any letters sent out. she puts me on hold for about 8 or 10 minutes and comes back on the line and says she spoke to XXXX in the lending department and has informed her that there is a note stating that on XXXX XXXX XXXX there was unpaid loans! Now XXXX was the first lady i spoke with before XXXX whom had no notes on this account when i first spoke to her, Now i do n't understand this at all, I never did business with chase, but yet i some how managed to get a high dollar credit card that i applied for 6 days after an unpaid loan. unbelievable!! So i again asked who the attorney was that they were contacted by and they could not give me this information. Ok, so i ask XXXX, if there 's a problem with the account then who do you contact if it 's not me? She could not give me that information, I feel this is a direct violation of disclosure here, and i feel that chase needs to explain this to me. If there is an unpaid loan which i know there is n't, then why is it not in collections, on my credit report, or more importantly and heh heh, why are n't you trying to get me to pay this loan back? In the end result they did cancel the card effective. Immediately which was what i did ask for. There is something seriously wrong here though, and i am seriously concerned about my identity, and now my credit rating that i am trying very hard to repair. I checked my credit report this evening and i have nothing on there from chase. no collections, no account, no anything! there is either fraud or an identity issue and i am entitled to know what has happened here, And chase needs to explain this to me. If you could please help me clear this up, i would greatly appreciate it! I have attached the letter they sent me to this complaint. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation