Report: #272807

Complaint Review: JPMorgan Chase - First Usa - Bank One

  • Submitted: Thu, September 06, 2007
  • Updated: Mon, September 29, 2008
  • Reported By: Silver Spring Maryland
  • JPMorgan Chase - First Usa - Bank One
    Wilmington, Delaware

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

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I checked my credit report and realized that some company called First Usa NA made a hard inquiry on the credit report that will remain there for the next two years. I could not believe it - the heading of the report said something to the effect that First Usa NA claimed that I voluntarily let them see my credit report and I have never heard of them before and did not even know what this company was about. So I called the credit bureau and the representative gave me their toll-free number.

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
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This report was posted on Ripoff Report on 09/06/2007 12:18 PM and is a permanent record located here: 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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#1 Consumer Comment

Ditto - on the hard reports

AUTHOR: Db54 - (U.S.A.)

Seems I have 3 myself with regrds to First USA NA on my experian report. I do have Chase Accounts but nothing with First USA, NA.

According to Experian;

The Fair Credit Reporting Act says that credit grantors with a permissible purpose may receive your credit information from credit reporting agencies without obtaining your consent. If in the recent past you have visited or had any dealings with any of the businesses listed in this section, they may have had a permissible purpose to review your credit. This listing is simply a record of those who have reviewed your information.

If you have evidence that someone reviewed your credit information for a fraudulent purpose, please explain the circumstances in writing to us and we will investigate your claim. Write to us at Experian, PO Box 9556, Allen, TX 75013. Be sure to include your full name, including middle initial and generation (such as JR, SR, III, etc.), current mailing address, Social Security number, date of birth, and your previous addresses for the past two years. Please send us one copy of a government issued identification card, such as a driver's license, state ID card, military ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents.
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#2 Author of original report

Chase Manhattan Bank, JP Morgan, First USA

AUTHOR: R - (U.S.A.)

I called Chase customer service once more. The agent who responded understood my position and was completely appalled at what happened. They have finally rectified the information on my credit report. Whew!
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#3 Consumer Comment

Banks run a hard inquiry

AUTHOR: Nikki - (U.S.A.)

Many banks will run a hard inquiry when you open a checking account. They probably ran the hard inquiry to open the checking account, not for the credit card. That's how they knew you were approved for the credit card too.
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