Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX I attempted to apply for a mortgage and was told that my credit score was bad and I did n't qualify. I was suspicious because I have always maintained an excellent credit history. I was told I had a delinquent XXXX account. Since I 've never opened a XXXX account, I looked into it and I found that my adult step daughter ( XXXX XXXX ) and her boyfriend ( XXXX XXXX XXXX XXXX ) had opened up the account and used it without my knowledge or permission. I was lost and did n't know what to do, so to protect my credit I called XXXX and settled with them. I thought that was going to be the end of it and my step daughter assured me that was the end of it. Later in XXXX XXXX, I found out there was more accounts she had opened as my credit had gotten worse. I had my credit report interpreted for me by a credit consultant on XXXX/XXXX/XXXX and found XXXX more accounts that had been opened and defaulted on that were not mine. My step daughter and her boyfriend also admitted fault on those accounts and have signed a written document accepting liability. 
I filed a police report after consulting with several consumer protection agencies and received their help. I was completely lost on what to do. Now that I have received guidance and been informed I understand that I have no liability to pay. 

On XXXX/XXXX/XXXX I notified Chase in writing about the situation, and provided them a copy of my official police report and notarized fraud affidavit. This resulted in an investigation that went back and forth were several chase representatives assured me I would be found not liable or responsible for this fraud. Ultimately they found me liable for this and are continuing to harass me literally daily by placing several phone calls to me to attempt to collect payment. I am not sure how they found me liable, but this is completely unacceptable. Please understand the facts. 
Again, the person who is responsible for this fraud is my step daughter and her husband, they have admitted full liability already. They used the fact that I work out of town and only come home on the weekends to keep the statements hidden from me. They opened up several accounts not just CHASE. Not being informed and limited XXXX proficient, I did n't know what to do when I discovered the fraud. But now I am informed and will not be bullied. I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. After being formally notified and being provided copies of XXXX the law enforcement report and the fraud affidavit CHASE continues to disregard the facts set forth in this case. The willful negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section 530.5 and Civil code 1798.11.2 -

Company response to consumer: Closed with explanation