Identity theft again ?

[Klineact]

I have had a problem with identity theft back last fall someone tried to open bank accounts under my social.  I have fraud alerts on all of my accounts now as a result.  In one case they succedded with Bank of America who actually opened one.  I filed a police report last year and did all I could to stop this from happening again.  Much to my disbelief, the other day I got an alert from Experian monitoring stating that a bank account from JP morgan chase was opened under my social. I called Chase and they said no such application or account under your social.  I called Experian who claims they do not see any alert and they would escalate it and call me back which of course nobody ever did.  I called Chase a second time and spoke to someone in the fraud dept who again checked into this and didnt see any application or new account.  I should mention I have no dealings with Chase.  What does anyone make of this?  I am naturally still concerned about this and really not sure what to do next?  Does experian send out false alerts?  

[WildestDreams]

Sorry you have to deal with this... i've dealt with a lot of identity theft issues in the past, I'd think if Chase shows no account its got to be an error? although I have had issues with citi bank on a credit card where I didn't show in their system, I had alerts from TU and Equifax saying I had a new account and somehow I ... aka the fraudster ... was initially approved for a CC but then denied because something didn't match up, weird but I think glitches like this are possible. I would check with Chase again and maybe chase auto/credit too? 

[FireMedic1]

It might be a pain. Get your report from ChexSystem and see if its listed there. If not. Its a CMS glitch.

[Klineact]

I will check with Chase again.  I cant imagine they would open an auto loan without pulling my credit which they havent.  That doesnt seem possible particularly since I am not a customer with chase and havent been for well over a decade.  I filed BK 13 years ago and Chase was included so afaik I am black listed. 

[fury1995]

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@Klineact wrote:

I have had a problem with identity theft back last fall someone tried to open bank accounts under my social.  I have fraud alerts on all of my accounts now as a result.  In one case they succedded with Bank of America who actually opened one.  I filed a police report last year and did all I could to stop this from happening again.  Much to my disbelief, the other day I got an alert from Experian monitoring stating that a bank account from JP morgan chase was opened under my social. I called Chase and they said no such application or account under your social.  I called Experian who claims they do not see any alert and they would escalate it and call me back which of course nobody ever did.  I called Chase a second time and spoke to someone in the fraud dept who again checked into this and didnt see any application or new account.  I should mention I have no dealings with Chase.  What does anyone make of this?  I am naturally still concerned about this and really not sure what to do next?  Does experian send out false alerts?  

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Does the alert specifically say "bank account"?

It may be important to know specifically how the alert is reported. I have Experian Credit Monitoring and locked/frozen report capability and I have never seen an alert for opening a bank account, credit account yes.. being added as an authorized use also. I've never had a Fraud Alert so I don't know if that adds an extra or different level of alert reporting that tracks bank account openings.

[OmarGB9]

Experian wouldn't typically report bank accounts. They would be reporting a credit card. I'd ask Chase to look into a credit account being opened fraudulently under your name.

[cashorcharge]

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@OmarGB9 wrote:

Experian wouldn't typically report bank accounts. They would be reporting a credit card. I'd ask Chase to look into a credit account being opened fraudulently under your name.

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Actually....depending on the type of services you pay from EX, you may get alerts of new bank accounts registered along with the regular HP EX alerts and account changes.  I do....

[Klineact]

This is the alert I got

On 17-Apr-2023, JP Morgan Chase reported a bank account opened with your SSN.

• Company:

  JP Morgan Chase

• Reason:

  Inquiry

• Inquiry Date:

  Apr 16, 2023

• Phone:

  (800) 935-9935