Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
IDENTITY THEFT AND PREDATORY DEBT COLLECTION PRACTICES COMPLAINT I am submitting this CFPB complaint because a fraudulent account created through identity theft was transferred to JP MORGAN CHASE BANK , N.A . I am a California resident. I did not open, authorize, use, or benefit from this account. Despite this, JP MORGAN sent a letter dated XX/XX/year> addressed to XXXX XXXX encouraging me to resolve a debt that is not mine. Debt collectors are deemed to know the law.

Account information : Last four of account number XXXX Merchant JP MORGAN CHASE BANK , N.A . 

Balance claimed {$35000.00} JP MORGAN CHASE BANK letter date XX/XX/year> Debt collectors are deemed to know the law.

This fraudulent account was created through identity theft. I have already provided complete identity-theft documentation, including an FTC Identity Theft Report, a police and identity-theft filing, government identification, proof of address, and written disputes to all major and secondary credit bureaus. This documentation establishes that the account is fraudulent and does not belong to me. This account should not have been transferred or sold.

Despite receiving this information, JP MORGAN continues collection activity. Under the FDCPA, including 15 U.S.C. 1692g, 1692e, and 1692f, PRA must stop collection efforts once identity theft is reported. Under the FCRA, including 15 U.S.C. 1681c-2, PRA must block, delete, and stop reporting the fraudulent trade line. JP MORGAN has not complied with these obligations and is still attempting to collect the debt.

As a California resident, I am also protected under the Rosenthal Fair Debt Collection Practices Act, California Civil Code 17881788.33, which prohibits collection activity after identity-theft notice, prohibits misrepresenting a debt, and requires reasonable investigation. California Civil Code 1798.93 requires JP MORGAN to immediately stop collecting, block and delete the trade line, correct all reporting, and refrain from transferring or selling the fraudulent account.

Debt collectors are deemed to know the law.

JP MORGAN has not followed these requirements. The letter dated XX/XX/year> attempting to collect this debt violates both federal and California law. The fraudulent tradeline continues to appear on my credit reports and is damaging my credit standing. By law, this tradeline must be blocked and permanently removed.

I respectfully request regulatory assistance to ensure : 1. Stop all collection activity on the fraudulent account.

2. Delete and permanently suppress the fraudulent tradeline.

3. Close the account as identity theft and confirm closure in writing.

4. Confirm that the account will not be transferred, reassigned, or sold.

5. Correct all reporting with XXXX, XXXX, XXXX, XXXX, and all secondary bureaus.

FTC Identity Theft Statement : I did not open or authorize the account ending in XXXX. JP MORGAN continues collection activity and sent a letter on XX/XX/year> even though full identity-theft documentation has been provided. Federal law requires JP MORGAN to stop collecting, investigate, and block fraudulent trade lines. I request FTC review and documentation for enforcement.

California Attorney General Statement : This complaint concerns unlawful debt-collection activity against a California resident . JP MORGAN continues attempting to collect a fraudulent debt after receiving identity-theft documentation, including the FTC Identity Theft Report, a police or identity-theft filing, and written disputes. JP MORGANs letter dated XX/XX/year> attempts to collect a debt prohibited under California Civil Code 1788 and 1798.93. I request review and any enforcement action needed.

Thirty-Day Notice to JP MORGAN : This notice states that JP MORGAN has 30 days to confirm closure of the fraudulent account ending in XXXX. The original creditor has already received the required identity-theft documentation. Under federal and California law, JP MORGAN must stop collection, delete this trade line, and must not transfer or collect on this account. If JP MORGAN does not confirm closure within 30 days, additional filings will be submitted to the CFPB, FTC, California Attorney General, and other regulators. All rights and remedies are preserved.

Credit Bureau Dispute Statement : I am disputing the fraudulent trade line associated with an account ending in XXXX. I did not open or authorize this account. It is the result of identity theft. I have provided an FTC Identity Theft Report, a police or identity-theft filing, identification, proof of address, and written disputes. JP MORGAN also sent a collection letter on XX/XX/year> despite identity-theft notice. Under FCRA section 1681c-2 and California Civil Code 1798.93, you are required to block, delete, and prevent reinsertion of this identity-theft tradeline. Please delete the account and confirm deletion in writing.

/s/ : XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation