Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WA)

I am writing to express my grave concern and frustration regarding a fraudulent business credit card account that has been opened under my name without my knowledge or authorization. I am not listed in the business nor do I have any association with XXXX XXXXXXXX XXXX I have been in continuous communication with Chase regarding this issue since XX/XX/XXXX, yet it remains unresolved. I am still in disbelief of how Chase allow someone to open a business credit card under my name when I am not even the owner/member/governor of the company. 

Here is a timeline of the key events : XX/XX/XXXX - Received email from Chase about a business card payment due. Called Chase, informed them I never opened a business account. Chase assured me they would resolve it. I did not hear naything back from them nor receive any updates regarding this case. I deemed this issue resolved. 

XX/XX/XXXX - Received another payment due notice and initially thought it was a phishing email. 

XXXX Sent a secure message through my personal Chase account to ensure the email I received was not phishing email. They confirmed it was a valid email. I called Chase and they confirmed they have reinstated the business account with a new number without any notification. I asked them to re-open and re-evaluate the case as this is an obvious identity theft. 

XX/XX/XXXX - Called Chase again as I received no follow up as promised. Account was reinstated again with a balance of approximately {$6400.00} due including interested. I requested to re-open the case. 

XX/XX/XXXX - Visited a Chase branch to get more information. The card was applied through online application back in XXXX. The addresses on the card attached was an address in XXXX. The lead associate & branch manager from Chase was able to clearly see and investigate the XXXX and see I have no association at all with this account. They were able to print all statements and minimum payment have been made by someone else throughout the year until they decided not to pay anymore. 
They were able to see that an online application was made back in XXXX but unable to see more information. I asked them to print out how the card was applied, with what address, phone numbers and proof but they were unable to retrieve the information. They were able to see addresses attached, which was not mine, but unable to print it out. 

XX/XX/XXXX - Filed a police report. I was given the case # as attached XX/XX/XXXX - Received a call from XXXX the agent who was working on my case who implied I was at fault for exposing my SSN to my former friend. 

XX/XX/XXXX - Went to Chase branch again, seems like the account was updated to my mailing address so Chase can send updates through letter. 

XX/XX/XXXX - XXXX XXXX ( # XXXX ) from XXXX Police Department followed up with my case. I submitted all the documents to him including ( All statements from Chase, Annual reports of the XXXX showing that I am not the owner/member nor governor of the company as well as the suspect I have ) The officer created a new case # and will be integrating all statements together. 

XXXX - Continuously followed up with Chase 's Fraud Department every XXXX XXXX PST - I was told account is under review, there is also no specific agent who is working on this case that I can get a name of XX/XX/XXXX - Received a letter on the mail stating the account is valid and I am responsible for it I have provided Chase with all the supporting documents below which I have attached on this as well - Police Report - Identity Theft Letter from the Federal Trade Commission XXXX Notice to Furnisher - my ID - one of the Statements from Chase showing mailing address & who has been paying for the card - documentation from Washington Secretary of State Corporation & Charities Division showing I am not associated and never been associated with the XXXX listed on the account.