Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am filing this complaint to formally report serious misconduct by JPMorgan Chase Bank, including false statements to regulators, inaccurate credit reporting, coercive collection practices, and discriminatory treatment following my report of identity theft. 

Multiple financial accountsincluding credit cards, bank accounts, and debt collection accountswere fraudulently opened and used in my name using my Social Security number without my knowledge or consent. XXXX such account is a Chase credit card account that I have consistently and explicitly disputed as identity theft. 

Despite my repeated disputes, Chase has refused to properly investigate or correct this matter. Instead, Chase submitted a response to the CFPB dated XX/XX/year>, that contains material misrepresentations and false conclusions. 

Chase falsely claims that I admitted to making payments and that such payments constitute acceptance of liability under a cardmember agreement. This statement is knowingly misleading. Any payments associated with this account were made under pressure from Chase representatives while I was actively disputing the account as fraudulent and being told that payment was required to prevent further credit damage. Coerced or fear-based payments do not establish account ownership, consent, or contractual liabilityespecially where identity theft has been asserted. 

Chase further claims that I failed to file disputes within required timeframes and that no dispute rights exist. This is false. I disputed the entire account as fraudulent, not merely individual transactions. I have recordings of Chase representatives acknowledging my disputes while simultaneously continuing collection efforts. Chases attempt to reframe an identity-theft claim as a late transaction dispute is a bad-faith tactic designed to evade its legal obligations.

Despite receiving notice of identity theft, Chase has continued to access my credit reports and furnish inaccurate information to credit reporting agencies. This conduct violates the Fair Credit Reporting Act and has caused ongoing damage to my credit profile. 

Additionally, I have experienced persistent harassment, including repeated collection calls after notifying Chase of identity theft. These actions have caused significant emotional distress and financial harm. 

I also believe I am being subjected to disparate and discriminatory treatment. Throughout this process, I have been dismissed, pressured, and spoken to in a manner inconsistent with fair-treatment obligations. As a person of color, I believe Chases refusal to investigate, reliance on false statements, and continued harassment reflect unequal treatment in violation of federal civil rights and consumer protection laws. I am preserving this issue for further investigation and legal action. 

Chases response to the CFPB does not address the substance of identity theft, ignores evidence, and instead attempts to shift blame onto the victim. This is unacceptable and unlawful.

Company response to consumer: Closed with explanation