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