Credit card -- Other features, terms, or problems -- Complaint #18081520
Complaint Overview
Complaint ID: 18081520
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Privacy issues
State: Illinois
ZIP Code: 61820
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On or around XX/XX/year>, my wife called Chase to downgrade her personal XXXX XXXX XXXX to a Freedom Unlimited Card. I didn't hear the call, but by her account it was smooth and unremarkable. The Chase rep confirmed that her request had been completed. On XX/XX/year>, I noticed that Chase had product changed my XXXX XXXX XXXX to a Freedom Unlimited. My wife is an authorized user on my card but I am the primary user. I called Chase and they confirmed what had happened : my wife 's XXXX XXXX XXXX is not closed and mine has been product changed. In the course of the call I was able to get a Chase rep to confirm the data breach and to get them to " reverse '' the product change, although I was told that can take up to XXXX business days. This leaves me with XXXX concerns, XXXX far larger than the other : XXXX. My wife was allowed to perform major actions on my account without my permission or consent. Frankly, I am unable to apprehend why my banking/credit information was even available to the rep with whom my wife spoke. This is a major breach of security and of the trust that I would like to have in my banking relationships. I would like a detailed report from Chase of how this security breach happened and what steps they are taking to ensure it will not happen again. XXXX. My XXXX XXXX XXXX will not have the functions of that card for another 10 days. This is a substantial inconvenience, as it will diminish my ability to use Chase for travel, to transfer points, and to receive the benefits for which I pay a {$95.00} annual fee. As such, I am also requesting compensation in the form of a statement credit for the partial or full value of the annual fee. All this and my wife still has to call and cancel her card!
Frequently Asked Questions
What is Complaint #18081520 about?
Complaint #18081520 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.