Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A credit inquiry and credit card account was created under my name by Chase Bank and reported to credit agencies as legally authorized actions. I did not authorize or request any such account. At no time did Chase Bank attempt to contact me with regards to creating an additional account, I do have a legally obtained credit card with Chase Bank opened XX/XX/XXXX, account # XXXX and the last discussion I had with Chase Bank prior to discovering this fraud was XX/XX/XXXX regarding the credit card limit and my request to increase was denied sighting information obtained in a credit report. I first noticed Chase Bank activity related to fraud on or about XX/XX/XXXX when I noticed an inquiry had been made of a credit reporting agency regarding my file by Chase Bank. I monitor my file using XXXX XXXX and had been actively engaged due to negotiations I had ongoing with multiple mortgage brokers. Without delay thru my real Chase account and on their website, used their 'secure message system ' to request an explanation regarding the inquiry. They never responded to that message and deleted it from system at some point intentionally. Serious people would question the true intention of such a system that requires its use to submit written queries hoping for written responses only to see it 's security one sided. So on XX/XX/XXXX i followed up with the Chase Bank inquiry I made and seeing no response I again looked at the latest report from credit agencies and discovered a credit card was now listed as issued to me by Chase Bank on XX/XX/XXXX which authorized a credit limit of {$2500.00} in contradiction to my legal Chase account limit of {$500.00}. My credit dynamics had n't changed validating such extremes to be sure. I then tried talking with Chase Bank by phone where I was put into contact with personal that could not communicate english clearly, I somehow was able to give them information they deemed necessary to their interest. This is when I first noticed this faux account was now showing up on my personal account page when using the Chase Bank website. Intentionally staffing a system designed to obtain and disseminate sensitive information using personnel unable to clearly communicate is in of itself a fraud against consumers. From what I understood, their position is I had to cooperate with them but they did not have to cooperate with me unless I filed a FTC report, Police report and Identity Theft Victim 's Complaint and Affidavit stating that some random person propagated a scam on Chase Bank along with a hand written letter sent by USPS they then might cooperate. 
In summary : 1 ) What I know is Chase Bank accessed my credit file on XX/XX/XXXX under false pretenses. 
2 ) Chase Bank reported to credit agencies a credit card account, numbered XXXX, listing me as guarantor under false pretenses. 
3 ) Chase Bank issued a faux credit card account allowing a {$2500.00} credit limit when just months earlier rejected same person for limit over {$500.00} 4 ) Chase Bank did not try contacting me by telephone, nor did they send a message thru their 'secure message system ', or try contacting me by email and did not send a letter when this fraud occurred. 
5 ) Chase Bank perpetuated the situation while my negotiations regarding other financial services were occurring and have failed to act in a mitigating manner. 
6 ) Chase Bank has provided no information that allows for the accusation of an unknown person which does not allow me to make that assumption. In fact with the ongoing practices of Banks/financial institutions in general I have no reason to look past Chase Bank as the sole perpetrator. 
Closing : I want Chase Bank to immediately provide all written documentation they have proving any Identity theft along with IP addresses or phone numbers used. 
Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with explanation