Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Detailed Report on the Identity Theft Fraud Against XXXX XXXX and Legal Violations by XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase XXXX XXXX XXXX XXXX XXXX, currently residing at XXXX XXXX XXXX, XXXX XXXX, Illinois, has been a victim of pervasive identity theft fraud that began in XXXX and persists to the present day. The fraud has resulted in the unauthorized establishment of accounts in her name at XXXX XXXX XXXX. 

The exact date of the creation of these accounts remains unknown to XXXX XXXX. Importantly, the information used to open these accounts did not include her Social Security number, and as a result, the accounts have never appeared on any of her credit bureau reports. Had they appeared, XXXX XXXX would have promptly responded to the matter. 

During the time the fraudulent accounts were created, XXXX XXXX 's identity was compromised, and the fraudsters used an unknown address to carry out their actions. This fraudulent address does not belong to XXXX XXXX, and she has never resided there. 

This information has caused significant confusion and difficulty in resolving the matter. Her actual residence during this time has always been consistent with her current address at XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 

XXXX XXXX XXXX, represented by the law firm XXXX XXXX XXXX, XXXX, specifically attorney XXXX XXXX XXXX ( Illinois Bar Number # XXXX ), prepared and sent a fraudulent judgment and asset search against XXXX XXXX to her bank, JPMorgan Chase. 

This action resulted in the freezing of both her personal and business accounts. However, no legitimate judgment was ever obtained, and XXXX XXXX XXXX XXXX dismissed the case in XX/XX/XXXX. Despite this, XXXX XXXX XXXX filed paperwork with JPMorgan Chase as if an active judgment existed, leading to the unlawful freezing of XXXX XXXX 's accounts. 

Legal Violations and Issues Identity Theft and Fraudulent Account Creation The fraudulent use of XXXX XXXX 's identity to open accounts at XXXX XXXX XXXX without her knowledge or consent is a clear violation of multiple state and federal laws, including the Illinois Identity Theft Law and the Federal Identity Theft and Assumption Deterrence Act. 

The fact that her Social Security number was not used suggests the use of other fraudulent means to establish these accounts, potentially involving false documentation or misrepresentation. 

Discrepancies in Creditor Information During the investigation and review of court documents related to this case, it was discovered that there are inconsistencies in the identification of the original creditor. Some court documents list XXXX XXXX XXXX as the original creditor, while others list XXXX XXXX XXXX. 

This inconsistency further complicates the matter and raises questions about the accuracy and legitimacy of the claims being made against XXXX XXXX. The conflicting information could indicate potential errors or intentional misrepresentations, which should be thoroughly investigated. 

Unlawful Judgment Filing by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, under the direction of Attorney XXXX XXXX ( Illinois Bar Number # XXXX ), engaged in deceptive legal practices by preparing and filing fraudulent judgments with JPMorgan Chase. 

These actions violate Illinois ' legal and ethical standards, particularly under the Illinois Rules of Professional Conduct. The law firm 's actions are not only fraudulent but also demonstrate a blatant disregard for legal procedures, as no legitimate judgment was ever obtained. 

The filing of a fraudulent affidavit of service, claiming that XXXX XXXX was served at her employer ( an address where she had not worked in four years ), further underscores the deceptive nature of their conduct.

Improper Account Freezing by JPMorgan Chase JPMorgan Chase 's freezing of XXXX XXXX 's accounts without verification of a valid judgment constitutes a breach of their fiduciary duty to the account holder. Under 735 ILCS XXXX, enforcement proceedings to collect judgments are governed by specific statutes, which JPMorgan Chase appears to have ignored. 

The bank 's actions also potentially violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they failed to adequately verify the legitimacy of the judgment before taking action. 

The case of XXXX XXXX XXXXXXXX XXXX JPMorgan Chase Bank , N.A . provides a relevant precedent. In that case, JPMorgan Chase was involved in a similar situation where it wrongfully froze the assets of XXXX XXXX XXXX, leading to significant financial losses for the company. The court ruled in favor of Chase, citing the bank 's contractual right to freeze accounts under suspicion of illegal activity. However, the current situation differs as there was no legal basis for the suspicion, and the judgment in question was fraudulent from the outset. This distinction is crucial and highlights the banks failure to exercise due diligence in XXXX XXXX 's case. 

Additionally, JPMorgan Chase issued a letter dated XX/XX/XXXX, to XXXX XXXX XXXXXXXX XXXX ( the name under which XXXX XXXX 's business operates ), informing her that a hold had been placed on her account ( XXXX ) due to an enclosed court order enforcing a legal judgment. The letter outlines how the hold affects her accounts, explaining that the funds can not be accessed until the hold is released. The letter advises XXXX XXXX to consult an attorney to dispute the court order if she believes it to be invalid and provides information on potential exemptions under federal and state laws. 

Impact on Dependent Child The unlawful freezing of XXXX XXXX accounts has had a particularly severe impact on her ability to care for her XXXX child, XXXX XXXX. XXXX suffers from multiple medical conditions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX relies heavily on her income to provide the necessary care and support for her child. The freezing of both her business and personal accounts has placed her in an untenable position, preventing her from accessing the funds needed for XXXX 's ongoing medical care and daily living expenses. 

Fraudulent Service of Process The service of process in this case is highly questionable, with the process server listing a " XXXX XXXX '' as the recipient at XXXX XXXX 's former place of employment. Given that XXXX XXXX had not worked at that location for four years and there is no record of a XXXX XXXX working there, this represents a serious breach of legal procedures. 
The fraudulent service of process further invalidates any claims made by XXXX XXXX XXXX or XXXX XXXX XXXX regarding the legitimacy of their actions. We have attached as proof, XXXX XXXX separation agreement from employer SD XXXX XXXX, which took place XXXX of XXXX. 

Police Reports Filed XXXX XXXX has filed two police reports with the XXXX Police Department regarding identity theft related to this incident. The first report, number XXXX, was filed on Wednesday, XX/XX/XXXX, to document the initial identity theft. 

The second report, number XXXX, was filed on XX/XX/XXXX, to address the ongoing identity theft fraud related to this case. These reports provide crucial evidence of the identity theft and support XXXX XXXX 's claims against the involved parties. 

Requests for Action Immediate Unfreezing of Accounts XXXX XXXX requests that JPMorgan Chase immediately unfreeze all of her personal and business accounts, as there is no legitimate judgment or legal basis for the current freeze. The bank must rectify its error and restore access to her funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requests disciplinary action against XXXX XXXX XXXX, XXXX, specifically Attorney XXXX XXXX XXXX ( Illinois Bar Number # XXXX ), for their deceptive legal practices, including the filing of falsified and fraudulent documents. 

This matter should be referred to the Illinois Attorney Registration and Disciplinary Commission ( ARDC ) for investigation and appropriate sanctions. Supporting documentation, including the ARDC Request for Investigation form, has been attached to this report. 

Investigation by Regulatory Authorities : XXXX XXXX requests a full investigation into the actions of XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase by the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Department of Justice ( DOJ ), and the Illinois Attorney Generals Office. 

These agencies must examine the extent of the legal violations, including potential breaches of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. 

Restitution and Damages XXXX XXXX seeks restitution for any financial losses incurred due to the wrongful freezing of her accounts, as well as compensation for the emotional distress and damage to her reputation caused by these unlawful actions. Additionally, due consideration should be given to the financial hardship imposed on her and her XXXX child, XXXX XXXX, who relies on her for support and care. 

Conclusion The case of XXXX XXXX exemplifies the severe consequences of identity theft and the need for stringent legal protections and enforcement. The fraudulent actions taken by XXXX XXXX XXXX, XXXX XXXX XXXX, and JPMorgan Chase have caused significant harm to XXXX XXXX, and immediate corrective actions are required. 
This report underscores the importance of holding accountable those who engage in fraudulent and deceptive practices, particularly in the legal and financial sectors. 



Attachments All supporting documentation, including court documents, the ARDC Request for Investigation form, the XXXX XXXX XXXXXXXX XXXX JPMorgan Chase Bank case, the letter from JPMorgan Chase dated XX/XX/XXXX, and the police reports filed with the XXXX Police Department ( report numbers XXXX and XXXX ), as well as additional documentation provided, have been included to support this report. 

Date : XX/XX/XXXX Prepared by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX