Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

Im writing concerning the situation when identity theft used my personal information to open multiple accounts in various financial institutions, including Chase Bank. 

I have never opened any account in Chase bank and have never applied for any account or credit card in Chase Bank. 
I have got my XXXX Visa in XX/XX/XXXX and visited the USA for a period fromXX/XX/XXXX to XX/XX/XXXX ( a copy of visa attached to this letter ). That was a period when I participated in the Student Exchange program ( Work & Travel ) and that required a Social Security Number which I got only for the purpose of the work during the program. Since I left the US, I have not used a Social Security for any purpose as I was physically out of the country and had no plans or intentions to come back. 

The second visa I got only in XX/XX/XXXX and came to the country in XX/XX/XXXX for a 3 days business trip. After that I had a couple of short trips during that year, but I never used my Social Security during these trips as I am a citizen of XXXX and travelled just on business purposes on behalf of the Company I was working for. 

Right now Im staying on the territory of the US for an extended period of time and only in XX/XX/XXXX Ive started receiving calls from Collection Companies. At first I considered these calls to be a scam, but a friend of mine advised me to go to any Credit Agency website and check the credit report to see what is going on. 
When I pulled out my first XXXX Report ( see attached ) I was shocked as during my 6 years absence from XX/XX/XXXX to XX/XX/XXXX, there  were 8 fraudulent accounts opened on my name using my SSN and 2 accounts that already went to collections. 
I have already disputed all the accounts with XX/XX/XXXX Credit Agency that were opened without my knowledge. I also reported this incident to the Police. 
A separate Identity Theft Report was filled with the Federal Trade Commission ( see attached ).

I also requested the Chase Bank representatives ( via Customer Service ) to conduct a thorough investigation of this incident and remove all the charges from me. Moreover, In one of the branches I have received the Identity Theft Report Form which I filled and sent to Chase Bank including copies of my Ids and paperwork supporting my absence in the country when the account was  opened, but did not get any answer. There was a special investigator in Chase Bank assigned to investigate the case ( XXXX XXXX, tel : XXXX, ext. : XXXX XXXX ). We spoke a couple of times over the phone and he confirmed that identity theft used a California driving license with my name and DOB on it as a proof of identity. He also checked the voice recordings and found out that the voice of person opening the credit card and my actual voice did not match. I also informed him that I have never been in California and never had a California driving license and it might be fake. After it he stopped responding to my calls and voice mail and I had to do millions of phone calls to the customer representatives to reach him ( I believe you can check the register of calls and remarks ). 
When he finally called me back he said he can not do anything and started transferring me to different departments where people did not understand why this phone calls were transferred and everywhere I received only one response is that XXXX XXXX was the only person assigned to investigate the case. 
Ive started calling him and customer service again and again and looks like nobody wants to take responsibility for their unlawful actions and simply kept transferring the calls. 

In this light, I am kindly requesting the Chase Bank to finally take responsibility for your actions and finish the investigation and release me from all the unlawful charges that were places on me ( {$25000.00} ) as well as informing the 3 major Credit Agencies about removing the account mentioned above from my credit report. 

Also please be advised that all the accounts that were fraudulently open, including 2 collections have already been solved positively and removed from my credit report, except for the account in Chase bank. 

I also provide you with the list of supporting documentation, namely the copies of my 2 US Visas, Identity Theft Report to the Federal Trade Commission and my initial XXXX credit report that you could see all the accounts that were opened using my identity and the updated reports to show you that all of them were closed and removed from my report.