Chase opened a Credit Card without my consent

charge up the card then default, you never agreed to getting it right?

SUCKISSTAPLES said: charge up the card then default, you never agreed to getting it right?

But to open a credit card on my behalf the personal banker logs on to my account and technically will agree to all the terms and conditions, right? So I cannot default...

I would be talking to Chase instead of posting on a messageboard

Technologist said: xpguy said: sue of course!

IF you did not agree to open the CC account, then you have legal recourse...

can't remember the term, but something like "impermissible purposes"... they did not have permission to perform a hard inquiry, and therefore either remove the inq, or pay you damages.

How can I press legal charges? I am totally new to this. Do I have to approach a attorney? If so who will pay the costs?

xpxguy - I talked to Chase, no use, they told me that except apologizing they cannot really do anything. That is the reason I had to post here.

SUCKISSTAPLES said: charge up the card then default, you never agreed to getting it right?

Umm, doesn't taking it out and using it serve the purpose of agreeing to the T&C?

I have similar experience couple years ago, and worse.
I went to branch and talked to teller to waive me some fees in my checking account. She did waive it, and one week later I got the mail saying due to accoutn balance....my credit card application has been rejected.

So OP, you should feel happy at least your hard inquery gets you a credit card. My hard inquery got me nothing!! When I called Chase, they denied they ever open CC account for customer without their permission. The Fraud department doesn't take it as fraud either because the card holder name, address, phone number, SSN are all correct. I couldn't accuse that teller opened the cc for me because there's no evidence at my end. So if Chase is not co-operate with you, then congratulations, at least you got some more CL. I hope you feel better after my story.

SUCKISSTAPLES said: he gave them permission to do inquiry for opening the business account, and his credit profile made him automatically eligible for the card.
That's what I was figuring, It seems Chase does hard pulls for all accounts and he would have the inquiry anyways, So seems like he got a bonus with a new card and no inquiry for it

How can I get the inquiry removed? Chase told me that they cannot remove an inquiry. Do I have to dispute it with the Credit Bureau?

beemermania said: How can I get the inquiry removed? Chase told me that they cannot remove an inquiry. Do I have to dispute it with the Credit Bureau?

Is there more than one inquiry on your reports? If not, are you sure the pull is from the CC and not from the checking account? Assuming only one inquiry for the checking account which you wanted to open, you don't really have much recourse in terms of getting the inquiry removed. If there's only one and you can prove that it's related to the phantom CC app, then you may have a valid dispute with the CRAs. As SIS said, it sounds like they did a pull for this checking account and your profile automatically qualified you for a card...you got "free" credit.

When Bank of America took over my Wachovia credit card account they sent me a WorldPoints credit card in addition to a Platinum Plus card to replace my Wachovia card. I never signed a thing.

I opened a checking account online with Wachovia a while ago, because I wanted to establish at least one account with them. They also opened a credit card account, even though I didn't request one.

I just kept the credit card, since they used the same inquiry they used for the checking account, and I probably would have eventually applied for a card anyway.

Stuff happens.

mid-way during the month I transferred a balance from another card for a 1.99% rate. I also had a $30 purchase during the month. At the end of the month I wrote a check intending to pay off the $30 plus the minimum for my transfer balance. Well, not only did they start charging me interest for the $99 transfer fee but now they are charging me 29.99% interest on the $30 purchases made prior to the transfer. When I complained to them they said "Hey, look, what's the big deal?! It's only 88 cents per month and you already have a low transfer rate!" I replied "Yeah, if it's no big deal why dont you just let me pay off the $30 or transfer it to the low rate instead of charging me a usurious rate? At almost a dollar per month and a projected 3 years to pay off the balance the $30 purchase is going to cost me sixty bucks!!!! Screw Chase. They are only paying a max. of 2% for their money from the Fed and they have the nerve to mark it up 1500%?!?!?!?! With the lowest Fed rates in history and extremely efficient technology these vultures have no excuse for charging such a high rate. These modern day Shylocks are more the crooks than the oil companies. Im cutting up my Chase card and will never do business with them again.

alohadan said: Screw Chase. They are only paying a max. of 2% for their money from the Fed and they have the nerve to mark it up 1500%?!?!?!?! With the lowest Fed rates in history and extremely efficient technology these vultures have no excuse for charging such a high rate.
Lowest Fed rate in history? It's 5.25% now while it was 1% during 2003-2004. Those "Vultures" give me thousands a year with out every charging me a penny.

I had a similar thing happen with Bank of America. The bank that opened it denied they did it yet contacted Bank of America's fraud department and had them trace it to the bank that denied it. They did a hard pull but after several complaints I had them remove the hard pull from my credit. I also had fraud alerts added to my credit report. I probably could have pressed charges for misauthorization but once in school at the time and it was finals...I could not deal with the pressure. However my credit score was fixed and have never been back to a Bank of America since. I would suggest talking to Chase first, and call their fraud department saying you never did it. But first go to the bank branch that made the mistake get names of people and invovled and if they deny it go to the next level of the Chase management and complain to them about several of their employees committing credit card fraud and misauthorization. I would also suggest filing a police report and get some people arrested and out of their jobs. Yeah sounds harsh but its happened to me and have had the bank lie directly to my face.