Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXXChaseXXXXCard ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXImportant: Take action to protect your personal informationXXXXDear XXXX XXXXWe\'re concerned someone may be using your personal information fraudulently and declined an application\nbecause of this.\nIf you would like to discuss this application with a fraud specialist, please call us at XXXX. We\'re\navailable Monday through Friday from XXXX XXXX XXXX XXXX XXXX Saturday and Sunday from XXXX XXXX XXXX XXXX XXXX Eastern\nTime. We accept operator relay calls.\nHere\'s what you can do\n Read the information we included about identity theft and how to deal with it. The information is also\navailable at chase.com/IdentityTheft.\n Get free resources from the Federal Trade Commission at FTC.gov/IDTheft.\n Call the FTC for advice at XXXX XXXX Contact one of the credit reporting agencies to add a fraud alert or credit freeze in your credit file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIdentity Theft\nWhat is it?\nIdentity theft is when someone gets your personal information and uses it to commit fraud.\nPretending to be you, they could:\n Commit other crimes\n Open new credit cards in your name\n Steal money from your accounts\n Rent apartments\n Apply for loans\nPlease see the end of this letter for important information\nPage 2\nWhat to look for\n Unexplained transactions on credit cards or bank accounts\n New credit cards or financial accounts you didn\'t apply for\n Unexpected denial of a credit application\n Expected mail or emails are not received\n Unfamiliar inquiries on your credit report, calls from debt collectors or denial of an application you\ndidn\'t submit\n A surprise drop in credit score\n Unusual activity on your Social Security account\nHow it happens\nPhishing (pronounced "fishing") or Smishing\nThis is when fraudsters send reputable-looking emails or text messages trying to trick you into providing\npersonal information or infecting your device with malware.\nHacking\nThis is when a thief gains access to your personal information by using technology to break into your\ncomputer, devices or network.\nSpoofing\nThese are bogus websites or phone numbers that look legitimate and ask you to provide personal\ninformation.\nStealing\nA thief takes your mail, personal documents, financial statements, laptop, smartphone or other device.\nHow to help minimize the risk\n Be vigilant with your documents, devices and property.\n Never provide your personal information to someone who calls, texts or emails you.\n At minimum, have unique passwords for your financial accounts and don\'t use them across multiple\nsites.\n Regularly check your credit report to monitor for changes you didn\'t anticipate.\n Sign up for free credit score and identity monitoring with Chase Credit Journey and get alerts for\nchanges to your credit report or if your info is found on the dark web at chase.com/CreditJourney.\n Consider reaching out to the three credit bureaus for tools to protect your credit report or credit score.\n Never click any links or attachments in suspicious emails. If you\'re unsure it\'s legitimate, go to the\norganization\'s website directly.\n Only carry what you need (and never your Social Security card), in case of loss or theft.\nWhat to do if you believe your identity has been stolen\nNotify the relevant companies or banks\n Get in touch with the relevant companies or banks immediately to alert them to the problem.\n Dispute the activity you believe to be fraudulent with them.\nContact all three credit bureaus to review activity\nObtain credit reports from the three bureaus to look for fraud. If you suspect fraud, notify all three credit\nbureaus to investigate and resolve the activity. Consider adding a freeze or fraud alert. A fraud alert will notify\nothers that you might be a victim of fraud, while a freeze prevents the use of your credit without your\napproval.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReach out to local law enforcement\n Supply all the information you can, including exact dates, times and account numbers.\n File a police report if advised.\n Save a copy of the police report because some businesses or financial institutions may require it to\nremove any fraudulent charges.\nReport your identity theft to the Federal Trade Commission\n The FTC is dedicated to protecting U.S. consumers.\n Go to their website, identitytheft.gov, to file a report and get a recovery plan.\n When you file a report, the FTC and other agencies use your information to build cases against\nscammers.\nTighten up your security\n Change the user names and passwords on all of your active accounts. Have unique passwords for\nyour financial accounts, and don\'t use them across multiple sites. Consider using a password\nmanager to create and store strong passwords.\n Keep your phone, computer and web browsers current, as there are often security patches included\nwith system updates.\n On sites that offer it, use multifactor authentication as it requires more than just a password to log in.\nWe\'re here to help\nFor credit cards, call XXXXFor personal banking, call XXXXFor auto financing, call XXXXFor home lending, call XXXXFor more details, visit: chase.com/SecurityCenter\nSincerely,\nLending Services\nPage 4\nEQUAL CREDIT OPPORTUNITY ACT NOTICE\nThe federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants\non the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the\ncapacity to enter into a binding contract); because all or part of the applicant\'s income derives from any\npublic assistance program; or because the applicant has in good faith exercised any right under the\nConsumer Credit Protection Act. The federal agency that administers compliance with this law concerning\nthis creditor is the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXImportant: Take action to protect your personal information\nDear XXXX XXXXWe\'re concerned someone may be using your personal information fraudulently and declined an application\nbecause of this.\nIf you would like to discuss this application with a fraud specialist, please call us at XXXX. We\'re\navailable Monday through Friday from XXXX XXXX XXXX XXXX XXXX, Saturday and Sunday from XXXX XXXX XXXX XXXX XXXX Eastern\nTime. We accept operator relay calls.\nHere\'s what you can do\n Read the information we included about identity theft and how to deal with it. The information is also\navailable at chase.com/IdentityTheft.\n Get free resources from the Federal Trade Commission at FTC.gov/IDTheft.\n Call the FTC for advice at XXXX XXXX Contact one of the credit reporting agencies to add a fraud alert or credit freeze in your credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIdentity Theft\nWhat is it?\nIdentity theft is when someone gets your personal information and uses it to commit fraud.\nPretending to be you, they could:\n Commit other crimes\n Open new credit cards in your name\n Steal money from your accounts\n Rent apartments\n Apply for loans\nPlease see the end of this letter for important information\nPage 2\nWhat to look for\n Unexplained transactions on credit cards or bank accounts\n New credit cards or financial accounts you didn\'t apply for\n Unexpected denial of a credit application\n Expected mail or emails are not received\n Unfamiliar inquiries on your credit report, calls from debt collectors or denial of an application you\ndidn\'t submit\n A surprise drop in credit score\n Unusual activity on your Social Security account\nHow it happens\nPhishing (pronounced "fishing") or Smishing\nThis is when fraudsters send reputable-looking emails or text messages trying to trick you into providing\npersonal information or infecting your device with malware.\nHacking\nThis is when a thief gains access to your personal information by using technology to break into your\ncomputer, devices or network.\nSpoofing\nThese are bogus websites or phone numbers that look legitimate and ask you to provide personal\ninformation.\nStealing\nA thief takes your mail, personal documents, financial statements, laptop, smartphone or other device.\nHow to help minimize the risk\n Be vigilant with your documents, devices and property.\n Never provide your personal information to someone who calls, texts or emails you.\n At minimum, have unique passwords for your financial accounts and don\'t use them across multiple\nsites.\n Regularly check your credit report to monitor for changes you didn\'t anticipate.\n Sign up for free credit score and identity monitoring with Chase Credit Journey and get alerts for\nchanges to your credit report or if your info is found on the dark web at chase.com/CreditJourney.\n Consider reaching out to the three credit bureaus for tools to protect your credit report or credit score.\n Never click any links or attachments in suspicious emails. If you\'re unsure it\'s legitimate, go to the\norganization\'s website directly.\n Only carry what you need (and never your Social Security card), in case of loss or theft.\nWhat to do if you believe your identity has been stolen\nNotify the relevant companies or banks\n Get in touch with the relevant companies or banks immediately to alert them to the problem.\n Dispute the activity you believe to be fraudulent with them.\nContact all three credit bureaus to review activity\nObtain credit reports from the three bureaus to look for fraud. If you suspect fraud, notify all three credit\nbureaus to investigate and resolve the activity. Consider adding a freeze or fraud alert. A fraud alert will notify\nothers that you might be a victim of fraud, while a freeze prevents the use of your credit without your\napprovalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReach out to local law enforcement\n Supply all the information you can, including exact dates, times and account numbers.\n File a police report if advised.\n Save a copy of the police report because some businesses or financial institutions may require it to\nremove any fraudulent charges.\nReport your identity theft to the Federal Trade Commission\n The FTC is dedicated to protecting U.S. consumers.\n Go to their website, identitytheft.gov, to file a report and get a recovery plan.\n When you file a report, the FTC and other agencies use your information to build cases against\nscammers.\nTighten up your security\n Change the user names and passwords on all of your active accounts. Have unique passwords for\nyour financial accounts, and don\'t use them across multiple sites. Consider using a password\nmanager to create and store strong passwords.\n Keep your phone, computer and web browsers current, as there are often security patches included\nwith system updates.\n On sites that offer it, use multifactor authentication as it requires more than just a password to log in.\nWe\'re here to help\nFor credit cards, call XXXXFor personal banking, call XXXXFor auto financing, call XXXXFor home lending, call XXXXFor more details, visit: chase.com/SecurityCenter\nSincerelyXXXX XXXX XXXXEQUAL CREDIT OPPORTUNITY ACT NOTICE\nThe federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants\non the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the\ncapacity to enter into a binding contract); because all or part of the applicant\'s income derives from any\npublic assistance program; or because the applicant has in good faith exercised any right under the\nConsumer Credit Protection Act. The federal agency that administers compliance with this law concerning\nthis creditor is the Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation