Complaint Review: JPMorgan Chase - First Usa - Bank One
- JPMorgan Chase - First Usa - Bank One
- Phone: 800-955-9900
- Category: Credit & Debt Services
JPMorgan Chase - First Usa - Bank One Repeated unauthorized credit checks, liars, information stealers NEVER AGAIN! Wilmington Delaware
*Consumer Comment: Ditto - on the hard reports
*Author of original report: Chase Manhattan Bank, JP Morgan, First USA
*Consumer Comment: Banks run a hard inquiry
When I called, the representative said "Chase Bank, how may I help you?" or something similar, and so I asked if this is First Usa Bank. The representative said yes, but that that Chase is now the parent company of First Usa. Anyway, I told the representative that there had been an authorized hard inquiry on my report, there must be some mistake and that I want it removed.
The representative then made an erroneous request. He claimed that in order for me to have the hard inquiry removed, I must voluntarily send my entire credit report to Chase Bank by mail. Imagine, Chase obtains my information without my authorization, and they are telling me that to remove any damages, I must voluntarily send them my information through their unsecured website.
I totally refused and Chase only kept sending in hard inquiries on my credit report repeatedly. I felt helpless because they were giving me the run around, telling me that there was no one whom I could speak to and that my only option was to handle my concern through their website. Then, when I did send my complaint to their website (without my credit information, ofcourse), they simply mailed me a letter with the same erroneous request to voluntairly send them my entire credit report before they would stop making hard inquiries.
And that is not all.
I was visiting with someone I knew who happened to work at JPMorgan. He wanted to show me his workplace and I agreed that I would go. While there, one of his employee friends tried to egg me on to open a free checking account. It felt uncomfortable, but not wanting to create a scene I agreed thinking that this won't hurt me anyway.
While opening the account, the representative saw a pop up and opened her eyes wide. She said, "Wow, you've been pre-approved for a credit card account. You're getting a credit card in the next five business days." So I asked the representative what did she mean getting a credit card in the next five business days, when I did not even sign any kind of agreement that I accepted the card. I asked her if a hard inquiry was made on my credit report.
The representative said "No." She said that Chase can open a credit card account without making a hard inquiry on the person's credit report. Nonplussed, I wondered how that could be possible. I had always wanted a second credit card, but avoided it because I did not want another hit on my credit report unless I was getting a good deal.
Later that night, I received a credit monitoring alert that I had a hard inquiry on my credit report. Needless to say, I was left thinking, "I knew it!". I pulled up the old file with the letter from First Usa bank, and realized that the letter heading actually read Chase and had a logo that corresponded with the logo for JPMorgan.
What a nightmare! I will never have dealings with this fraudulent company again - EVER!!
Silver Spring, Maryland
This report was posted on Ripoff Report on 09/06/2007 12:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/jpmorgan-chase-first-usa-bank-one/wilmington-delaware-19850-5011/jpmorgan-chase-first-usa-bank-one-repeated-unauthorized-credit-checks-liars-informat-272807. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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