Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am not sure of when this account was opened, because I had nothing to do with opening it. Chase Cardmember Services XXXX XXXX have told me it has been open since XXXX. My wife ( at the time ) XXXX XXXX informed me that SHE had opened an account with XXXX because it gave 5 % back on purchases. She informed me that she got an additional authorized cardholder card for me. I was told that " This was an Emergency Only Card '', and never to use unless she was aware of the use and authorized it. During the next 10 years of marriage, I never made a single charge on this account unless my wife, XXXX XXXX informed me to do so. Likewise, I never saw an invoice ( she opened all mail/ invoices and always paid this from one of her personal accounts ). I NEVER, not once, ever made a payment to this account. 

On XX/XX/XXXX XXXX XXXX handed me Separation XXXX, walked out the door and never ever gave me any information about her new domicile/forwarding address, etc. 

On XX/XX/XXXX, I texted XXXX 's cell phone showing pictures of the only two credit cards that she had ever GIVEN me ( both times she always said BOTH were in her name and never want me putting unauthorized charges on them ). I always respected her wishes, and was NEVER involved with either cards payment. First were pictures of intact cards. Then a second set of pictures with the cards cut into many pieces. Asked if she would like the actual cards mailed to prove I would NEVER use them again. She agreed pictures were satisfactory. 



I sold and moved out of our home of record ( XXXX XXXX XXXX, MD XXXX on XX/XX/XXXX. Our divorce was finalized XX/XX/XXXX. Had all mail forwarded to my new address XXXX XXXX XXXX, XXXX, MD XXXX. 

I continued to get JUNK mail from various XXXX XXXX ( XXXX bought timeshare property in a XXXX she had control of, but always listed my email and phone as contact because " she was too buzy to deal with mundane things ''. 

About 8-10 months ago, I suddenly realized the XXXX envelops looked like an invoice. Opened it and was shocked to see a balance of over {$8000.00}. BUT there were " automatic withdrawals from one of her accounts for {$500.00}. '' Checked the next couple months and no new charges except on recurring charge for {$10.00}. BUT the {$500.00} payment from her account continued. 

I contacted Chase and said, that I was receiving these invoices in error. I had never had ANYTHING to do with this account and suspected that because they had absolutely NO INFO on XXXX 's new address, they conveniently switched the account to me ( secondary card holder they had address and info on! ) Chase informed me, " No, you have always been PRIMARY. '' I told them, " No, I never filled out any application and that my wife had. '' They insisted I was primary. I said, " No, I NEVER applied for your credit card, have never made a charge, and have NEVER made a payment!! '' They said, no, it has always been in your name. 

I said, " FINE, then send me a copy of the application and my signature card you have on file! '' I was put on hold for 5-10 minutes. Someone came back on line and said, " This account has been open for over 12 years. Payments have been made and have never been late. THEREFORE, you have been aware of this card and therefore you as listed PRIMARY are RESPONSIBLE for all charges! '' Have made numerous attempts at contacting Chase to try to resolve this. They always have a different story, but WILL NOT Switch primary to my wife who has told me she would be happy to be primary if switched.

Company response to consumer: Closed with explanation