Consumer complaint received 2026-05-05 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: CA

Complaint narrative:
* * Re : Complaint Against JPMorgan Chase Bank Identity Theft, Failure to Investigate, and FCRA Violations * * I am filing this complaint as a victim of identity theft regarding fraudulent JPMCB credit card account ( s ) opened in my name without my authorization. # # # Background Since * * XX/XX/year> * *, I have made * * over 14 documented calls * * to JPMorgan Chase Bank to report these fraudulent accounts. I have : * Maintained detailed call logs * Recorded representative names * Retained confirmation numbers from multiple interactions Despite my repeated efforts, Chase has failed to resolve this matter. -- - # # # 1. Failure to Conduct a Timely Investigation ( FCRA Violation ) Chase representatives repeatedly stated that : * The investigation would take * * 60 to 90 days * * This is not compliant with federal law. Under the * * Fair Credit Reporting Act ( FCRA ) * * : * Furnishers must investigate disputes within * * 30 days * * Chases repeated statements of a 6090 day timeline demonstrate a * * systemic failure to comply with federal requirements * *. -- - # # # 2. Failure to Provide Promised Documentation On multiple occasions, Chase representatives stated that they would : * Call me back * * They failed to do so * * * Send me a letter confirming fraud * * They failed to provide it * * * Provide documentation I could submit to credit bureaus * * Never delivered * * These failures have : * Prevented me from resolving the issue with credit reporting agencies * Caused ongoing harm to my credit profile -- - # # # 3. Failure to Correct Clearly Fraudulent Account Information The fraudulent account ( s ) contain * * inaccurate identifying information * *, including : * Incorrect physical address * Incorrect billing address * Incorrect phone number * Incorrect email address Despite this clear evidence of identity theft, Chase continues to : * Report the account ( s ) as valid * Fail to remove or correct the information This reflects a * * failure to conduct a reasonable investigation * * as required under FCRA. -- - # # # 4. Violation of California Identity Theft Protections As a California consumer, I am protected under the * * California Identity Theft Law * *. Under California law : * Businesses must * * promptly investigate identity theft claims * * * Fraudulent accounts must be * * blocked or removed within 30 days * * upon receipt of proper documentation Chase has : * Delayed the process for months * Failed to resolve the fraudulent account ( s ) * Continued reporting despite clear identity theft indicators This constitutes noncompliance with California law. -- - # # # 5. Pattern of Delay and Non-Responsiveness Chase has demonstrated a consistent pattern of : * Failing to return calls after committing to do so * Failing to send promised written documentation * Requiring repeated follow-ups without resolution * Extending investigation timelines beyond legal limits This has created unnecessary hardship and prolonged the impact of identity theft. -- - # # # Requested Resolution I am requesting that the CFPB require JPMorgan Chase Bank to : 1. * * Immediately investigate and remove * * all fraudulent account ( s ) from my record 2. Provide a * * written determination * * confirming the account ( s ) are fraudulent 3. Cease all reporting of these accounts to credit reporting agencies 4. Provide copies of all records associated with the fraudulent account ( s ) 5. Correct all inaccurate personal identifying information associated with the account ( s ) 6. Provide a full explanation for the delays and failure to comply with federal and California law -- - # # # Final Statement Despite extensive efforts over several months, JPMorgan Chase Bank has failed to take appropriate action to resolve a clear case of identity theft. Their actions reflect : * Failure to comply with the Fair Credit Reporting Act * Failure to conduct a reasonable and timely investigation * Failure to provide required documentation * Failure to comply with California identity theft protections I request immediate intervention to resolve this matter.

Company response to consumer: Closed with explanation