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Unauthorized - authorized user?

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Regular Contributor

Unauthorized - authorized user?

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.

Chase Hyatt | Chase Freedom | Amex ED | Amex Hilton | Amex SPG | Discover IT Miles | Citi MileUp | Citi AAdvantage Platinum | Amex Green
Message 1 of 18
17 REPLIES 17
Frequent Contributor

Re: Unauthorized - authorized user?

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?

Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Blue Business Plus, Amazon Prime, Simply Cash Plus
Message 2 of 18
Community Leader
Senior Contributor

Re: Unauthorized - authorized user?

Yes I am confused, DH and I are AUs on each other's accounts and I have never received an alert?
EXP 760 TU 781 EQ 733
Message 3 of 18
Established Contributor

Re: Unauthorized - authorized user?

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. Smiley Happy

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Message 4 of 18
Moderator Emeritus

Re: Unauthorized - authorized user?

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.




        
Message 5 of 18
Regular Contributor

Re: Unauthorized - authorized user?

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.

 

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Chase Hyatt | Chase Freedom | Amex ED | Amex Hilton | Amex SPG | Discover IT Miles | Citi MileUp | Citi AAdvantage Platinum | Amex Green
Message 6 of 18
Regular Contributor

Re: Unauthorized - authorized user?

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.

Chase Hyatt | Chase Freedom | Amex ED | Amex Hilton | Amex SPG | Discover IT Miles | Citi MileUp | Citi AAdvantage Platinum | Amex Green
Message 7 of 18
Frequent Contributor

Re: Unauthorized - authorized user?

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?

Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Blue Business Plus, Amazon Prime, Simply Cash Plus
Message 8 of 18
Frequent Contributor

Re: Unauthorized - authorized user?


@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. 

Personal Credit -
AMEX: Platinum, Green, Cash Magnet, Schwab Investor
PNC: Cash Rewards, Points
NFCU: Flaghship Rewards, Cash Rewards, More Rewards, CLOC
PSECU: Founders
BB&T: Spectrum Cash Rewards
CapOne: Quicksilver
Discover: IT Chrome
Synchrony: PayPal 2%, PayPal Credit
Barclays: Uber
PenFed: Power Cash Rewards
Store Cards: Target
AU Cards: Citi Rewards+

Business Credit-
AMEX: Blue Business Plus, Amazon Prime, Simply Cash Plus
Message 9 of 18
Regular Contributor

Re: Unauthorized - authorized user?

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.

Chase Hyatt | Chase Freedom | Amex ED | Amex Hilton | Amex SPG | Discover IT Miles | Citi MileUp | Citi AAdvantage Platinum | Amex Green
Message 10 of 18
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