Credit card -- Getting a credit card -- Complaint #13283486
JPMorgan Chase Card Opened Without Consent, Resolved with Non-Monetary Relief
Complaint Overview
Complaint ID: 13283486
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: California
ZIP Code: 94117
Date Received: 2025-04-30T12:00:00-05:00
Date Sent to Company: 2025-05-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The risk is medium because unauthorized account openings can lead to identity theft, credit score damage, and financial loss if not promptly addressed.
Consumer Sentiment: neutral
Topics: Unauthorized account opening, Credit card fraud, Identity theft
AI Analysis
CFPB complaint 13283486 was filed against JPMORGAN CHASE & CO. regarding Credit card (General-purpose credit card or charge card), specifically about "Getting a credit card". A consumer's credit card account was opened without their knowledge or consent, leading to a closed account with non-monetary relief. The complaint was received on April 30, 2025 from California. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should regularly monitor their credit reports and statements for any accounts they did not open and dispute any unauthorized activity immediately.
Legal Context & Consumer Protection Laws
Opening an account without consent violates consumer protection laws, including the Fair Credit Reporting Act (FCRA) and potentially laws against identity theft.
Regulatory Insight
This case highlights the importance of robust identity verification processes for financial institutions to prevent fraudulent account openings.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in California (CA), which has strong consumer protection laws that may offer additional recourse.
Industry Comparison
This issue is common across the credit card industry, with various institutions facing similar complaints regarding unauthorized account access.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13283486 about?
CFPB complaint 13283486 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Getting a credit card", specifically "Card opened without my consent or knowledge". This complaint was filed against JPMORGAN CHASE & CO. on April 30, 2025.
Which company is complaint 13283486 filed against?
Complaint 13283486 was filed against JPMORGAN CHASE & CO.. You can view all complaints against this company on their profile page at /company/jpmorgan-chase-co.
What was the company's response to complaint 13283486?
JPMORGAN CHASE & CO. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 13283486 filed?
Complaint 13283486 was received by the CFPB on April 30, 2025. It was sent to JPMORGAN CHASE & CO. on May 1, 2025.
What state was complaint 13283486 filed from?
Complaint 13283486 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 13283486?
Dispute information is not available for complaint 13283486.
What product category is complaint 13283486 about?
Complaint 13283486 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13283486 submitted?
Complaint 13283486 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13283486?
Opening an account without consent violates consumer protection laws, including the Fair Credit Reporting Act (FCRA) and potentially laws against identity theft. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Getting a credit card".
How likely is complaint 13283486 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13283486?
This complaint is rated as medium risk. The risk is medium because unauthorized account openings can lead to identity theft, credit score damage, and financial loss if not promptly addressed.
What regulatory actions apply to complaint 13283486?
This case highlights the importance of robust identity verification processes for financial institutions to prevent fraudulent account openings. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13283486?
Consumers should regularly monitor their credit reports and statements for any accounts they did not open and dispute any unauthorized activity immediately.
Are there state-specific protections for complaint 13283486?
The consumer is located in California (CA), which has strong consumer protection laws that may offer additional recourse. This complaint was filed from California.
How does complaint 13283486 compare to industry norms?
This issue is common across the credit card industry, with various institutions facing similar complaints regarding unauthorized account access.
What non-monetary relief was provided to the consumer?
Non-monetary relief typically involves actions like account closure, removal of fraudulent charges, and correction of credit reporting errors, rather than a direct financial payout.
What steps should a consumer take if they discover an account opened without their consent?
Immediately contact the financial institution to report the unauthorized account, file a police report for identity theft, and dispute any fraudulent activity with credit bureaus.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.