topic Re: Unauthorized - authorized user? in General Credit Topics

Unauthorized - authorized user?

SkyCommander — Mon, 27 May 2019 18:00:42 GMT

I got an alert on my TransUnion that I have 2 authorized users added to my Chase cards. I don't have any authorized users so I'm claiming this to be fraud. Chase says I have no authorized user accounts but when I spoke to TransUnion they say I do. TU says they are doing a 30 day investigation about it but that doesn't solve the issue that someone opened authorized user cards at Chase.

Is this something I have to go after Chase about because if Chase reports this to TU then it must be someone there has access to this information? My 3 credit files are frozen but I had a temporary thaw to apply for another card.

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 18:03:32 GMT

I have my kids as AUs on a few of my cards and have never received an alert that they’ve been added. This wasn’t an alert that new TLs showed up on your report as YOU being the AU on someone else’s card, right?

Re: Unauthorized - authorized user?

Jnbmom — Mon, 27 May 2019 18:08:41 GMT

Yes I am confused, DH and I are AUs on each other's accounts and I have never received an alert?

Re: Unauthorized - authorized user?

HighAchiever — Mon, 27 May 2019 18:10:12 GMT

Yeah, definitely go back and re-read the alert to make sure you haven't been added as an AU to someone's else account.

Re: Unauthorized - authorized user?

Revelate — Mon, 27 May 2019 18:11:25 GMT

I suspect this was the addition of someone else's accounts to the prior points; AFAIK there's no notation on credit bureaus that someone else is a AU on your account. Would be happily proven wrong though if anyone does know of one haha.

Re: Unauthorized - authorized user?

SkyCommander — Mon, 27 May 2019 18:22:03 GMT

Credit Karma- According to your TransUnion credit report, someone added you as an authorized user for their JPMCB CARD credit card

Credit Sesame- A creditor has reported that an authorized user has been added to a new or existing account.

TU- Same as what CS says

Chase- You aren't an authorized user and you don't have any authorized users on your account.

The CLs on those cards don't match what I have.

Re: Unauthorized - authorized user?

SkyCommander — Mon, 27 May 2019 18:19:45 GMT

I can't be AU on someone else's card because I haven't taken part in any of that just as no one is AU under my cards. Applied for a new Chase card and was denied. Applied for Amex and was approved. My 2 Chase cards I've had for 3-4 years.

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 18:20:20 GMT

CK clearly states YOU were added as an AU to someone’s account. If this was true, you should see a corresponding AU TL on your report? Anything showing?

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 18:24:26 GMT

@SkyCommander wrote:
I can't be AU on someone else's card because I haven't taken part in any of that just as no one is AU under my cards. Applied for a new Chase card and was denied. Applied for Amex and was approved. My 2 Chase cards I've had for 3-4 years.

AU accounts, from some lenders, do not require unique identifiers (such as SSN) to match up to reports. This is done by common identifiers such as name, DOB, address. I’m sure this is a fairly accurate system, but a common name with a matching DOB could result in an error, I suppose.

Re: Unauthorized - authorized user?

SkyCommander — Mon, 27 May 2019 18:44:27 GMT

When I follow the link the CK email provides me to "confirm the details" nothing different appears. All my open cards and limits are there.

It was when I called TU they told me someone was added as an AU to my account.

Re: Unauthorized - authorized user?

Revelate — Mon, 27 May 2019 18:52:27 GMT

Don’t look at the details look at the credit report and rather than calling TU go through their online dispute.

The fact you suggested the CL’s aren’t correct means they almost assuredly aren’t your tradelines, but rather than rely on alerts (which honestly sometimes get busted) look at the report directly.

Chase is the lender of record and if they say you don’t have any AU’s then frankly there isn’t really anything to worry about but it’s still worth looking at the report.

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 19:14:22 GMT

@SkyCommander wrote:
I got an alert on my TransUnion that I have 2 authorized users added to my Chase cards. I don't have any authorized users so I'm claiming this to be fraud. Chase says I have no authorized user accounts but when I spoke to TransUnion they say I do. TU says they are doing a 30 day investigation about it but that doesn't solve the issue that someone opened authorized user cards at Chase.
Is this something I have to go after Chase about because if Chase reports this to TU then it must be someone there has access to this information? My 3 credit files are frozen but I had a temporary thaw to apply for another card.

It's a glitch that has occurred because the card issuer was renamed from Chase Card Services to JPMCB - CARD SERVICE (which is still Chase). Nothing to worry about. As far as I'm aware, these erroneous alerts are confined to just Credit Karma and Credit Sesame. See this thread for additional instances where this happened: Did anyone get alert Chase card changed

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 19:18:18 GMT

@Anonymous wrote:
It's a glitch that has occurred because the card issuer was renamed from Chase Card Services to JPMCB - CARD SERVICE (which is still Chase). Nothing to worry about. As far as I'm aware, these erroneous alerts are confined to just Credit Karma and Credit Sesame. See this thread for additional instances where this happened: Did anyone get alert Chase card changed

I've seen the JPMCB update across all reports at this point. It's not confined to CK or any othe rmontioring service. There was a backend update to make things uniform across all accounts past/present.

However if you spot an actual new account on a full report then you should notify someone but, otherwise it's just the name of the creditor updating how they show up on the report.

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 19:24:49 GMT

@Anonymous wrote:
@Anonymous wrote:
It's a glitch that has occurred because the card issuer was renamed from Chase Card Services to JPMCB - CARD SERVICE (which is still Chase). Nothing to worry about. As far as I'm aware, these erroneous alerts are confined to just Credit Karma and Credit Sesame. See this thread for additional instances where this happened: Did anyone get alert Chase card changed
I've seen the JPMCB update across all reports at this point. It's not confined to CK or any othe rmontioring service. There was a backend update to make things uniform across all accounts past/present.

However if you spot an actual new account on a full report then you should notify someone but, otherwise it's just the name of the creditor updating how they show up on the report.

Neither of my paid credit monitoring services - MyFICO and Experian CreditWatch Premium - have any such changes as of today; and I trust them to get it right. Someone has speculated that monitoring services that use VantageScore v3 are showing the change but as far as I can tell from scouring the 'Net the reporting change has only occurred on CK and CS while its possible that other VS v3 sites also have it.

Re: Unauthorized - authorized user?

Revelate — Mon, 27 May 2019 19:49:25 GMT

TU matches CK for me, I haven’t looked at EQ but I suspect MF won’t update till a new report is pulled potentially depending on bureau: 3B monitoring is actually 3 different products 1 per each bureau basically rolled into one CMS.

EX does not have the change for me as of today at least.

Though, I would suggest if this was glitchy as a result of the name change the CL’s would match.

Re: Unauthorized - authorized user?

Anonymous — Mon, 27 May 2019 19:56:22 GMT

The main thing is the # of accounts matches and it's only cosmetic.

Re: Unauthorized - authorized user?

Anonymous — Tue, 28 May 2019 05:05:37 GMT

It's probably TU's fault. I had an acct report as closed a couple months after opening, by EX. Called the creditor(Discover) -no issues with it and still open. I had to call EX and let them know the creditor in question states the acct is still open. They filed a dispute with the above mention and a couple weeks later it was resolved. Also EX was the only one reporting that.

Re: Unauthorized - authorized user?

TheAuthorizedUser — Tue, 28 May 2019 13:39:00 GMT

Could be a glitch from the sudden name change like mentioned before..

Also like to mention I'm pretty sure it wasn't me added to your report 😉