Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am filing this complaint because I recently discovered that a Visa credit card ending in XXXX XXXX exist in my name, and I have never applied for, received, activated, or used any Visa card with this number. I became aware of this card only after XXXX locked my account on XX/XX/year>, following a fraudulent purchase attempt involving a XXXX XXXX speaker shipped to an unknown individual in XXXX, XXXX. Amazons system is now requiring me to verify the expiration date of this XXXX ending in XXXX in order to regain access to my account. I can not provide this information because I have never been issued this card, and I have no records indicating that it was ever mailed, activated, or associated with any legitimate account of mine. I have had longterm identitytheft issues over the past year, including multiple unauthorized credit applications, so it is possible that this XXXX ending in XXXX is an unauthorized XXXX XXXX credit card opened in my name without my knowledge. Because XXXX has locked my account, I can not view my payment methods or account history to determine whether this card was added by a fraudster, automatically tokenized, or linked to the fraudulent Kentucky purchase attempt. I am using the CFPB XXXX to document this situation so that there are no discrepancies, reversals, fees, or negative credit reporting tied to a card that I do not recognize and may not belong to me. Why I am filing this complaint : I need XXXX to investigate whether : A Visa card ending in XXXX exists in my name This card is an XXXX XXXX credit card issued without my authorization This card was ever mailed, activated, or used This card was involved in the fraudulent Kentucky purchase attempt This card was added to my XXXX account without my knowledge This card was created as part of an identitytheft incident I have no documentation, no activation records, no statements, and no knowledge of this card. If this card exists, it was not authorized by me. I attempted to resolve this issue directly with XXXX by completing their identityverification steps, but I was unable to do so because of longterm identity theft, repeated card replacements, and uncertainty about a XXXX card ending in XXXX. XXXX required me to verify the last XXXX orders on my account, but these orders were a mix of items purchased by family members as gifts and items I purchased using gift cards, which do not show a card number. For example, my brother purchased a XXXX gift ( XXXX XXXX game and other small items ), I purchased XXXX Southern Sweet Tea and other household items using gift cards, and my XXXX purchased several items as gifts ( BandAid and Neosporin around Mothers Day, a {$50.00} Visa gift card around XXXX XXXX, and XXXX XXXX batteries ). Because these orders were not all mine and some were paid with gift cards, I could not verify them. XXXX then locked my account after multiple attempts and instructed me to call later. I also can not confirm whether the XXXX ending in XXXX is mine due to the large number of replacement cards issued by my bank during the ongoing identity theft. I have tried to resolve this with both XXXX and my bank but can not complete verification without clarity on the unknown XXXX card and the repeated card reissuance.

Company response to consumer: Closed with explanation