Consumer complaint received 2025-07-11 00:00:00
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.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a Chase Freedom XXXX credit card and filled in a {$4500.00} balance transfer request as part of the online application. I assumed this was just part of the pre-approval process a question of how much I might want to transfer if approved, not a firm request. 

Between XX/XX/XXXX and XX/XX/XXXX, I received three letters from Chase : Letter # XXXX - XXXX : Denial due to suspected fraud. 
Letter # XXXX - XX/XX/XXXX : Request for ID and address documentation. 
Letter # XXXX - XX/XX/XXXX : Final denial letter stating my application was not approved due to too many accounts or too much available credit. 

After receiving two denials and no helpful support, I called Chase on XX/XX/XXXX to express frustration. I explained that the denial made no sense I have a strong credit profile and XXXX score above XXXX. I told the representative I felt the denial was unfair and that I did not want to bank with Chase anymore. I was offered a manager call-back, which I accepted. 

Later that same day on XX/XX/XXXX, I applied for and was approved by another bank for a credit card and submitted a new ( and separate ) balance transfer request there- due to the denial from Chase. 

On XX/XX/XXXX, I received a voicemail from Chases fraud department - there was no mention of the credit card application in the voicemail from Chase. I decided not to follow up with Chase and call back due to my credit card application approval with another bank, and I no longer was interested in banking with Chase. 

Same day, XX/XX/XXXX, I received an email saying my card was approved. However, I was out of town and didnt see the email until XX/XX/XXXX. No new disclosures, terms, or conditions were provided at that time. What triggered me to review the email was unexpectedly receiving a Chase credit card in the mail on XX/XX/XXXX. 

On XX/XX/XXXX, I activated both the Chase card and the card from the other bank, mistakenly thinking that nothing from the original Chase application had been processed. I then ( also mistakenly ) submitted new balance transfer requests for {$1000.00} to Chase and {$3000.00} to XXXX, not knowing the {$4500.00} transfer I had originally entered on the Chase application was already queued up. 

On the morning of XX/XX/XXXX, I received a text from Chase at XXXXXXXX XXXX CT stating, Chase Freedom XXXX XXXX : Your balance transfer of {$4500.00} posted. I immediately called Chase at XXXX XXXX  and told them I had never intended for that transfer to go through and asked for help reversing it. They told me they couldnt cancel the {$4500.00}, but they could cancel the new {$1000.00} request. 

I called XXXX XXXX ( the receiving bank ) to try to stop the transfer, but XXXX XXXX confirmed that they never received a request or deposit of {$4500.00} from Chase. I called Chase back and asked where the money was sent. The first rep refused to confirm which account number I had entered on the original application and only offered to send a copy via mail. This was also on XX/XX/XXXX, and to this day ( XX/XX/XXXX ) I have not received a copy of my credit application. 

I asked the Chase rep to speak to a manager. The manager confirmed that it was incorrect for the prior rep to withhold the account number and told me she would investigate the {$4500.00} deposit not going through to XXXX XXXX with Chases fraud department. She put me on hold and said they could see that the wire was sent, but it was not received, and they had no idea where it went. She said I would receive an email update I never did. 


Later that day, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CT, I manually checked my XXXX XXXXXXXX account and noticed two separate {$4500.00} Bill Pay Service transactions listed as processing. This was the first indication I had seen that the funds were actually in motion. At no point did Chase notify me of this status or follow up with the email they had promised. I had to track this down myself after hours of back-and-forth communication. The fact that I had to discover this through my own efforts instead of being updated by the institution responsible for the transaction reinforces my concern about how this entire situation was handled. 


Chase reversed a denial and opened an account without notifying me clearly, sending only a generic email. They processed a {$4500.00} balance transfer without informed consent or a confirmation step. 
The funds were not originally received by the account I listed, and Chase never followed up regarding where the wire went or the status of the wire. They have not provided a copy of my application, even after I asked. I am now stuck paying fees on a transfer that was unauthorized. 

Chases communication has been delayed, misleading, and contradictory, and I feel my finances have been put at risk.

Company response to consumer: Closed with explanation