Debt or credit management -- Unauthorized withdrawals or charges -- Complaint #18112077
Complaint Overview
Complaint ID: 18112077
Company: Jpmorgan Chase & Co.
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Unauthorized withdrawals or charges
State: Texas
ZIP Code: XXXXX
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT STATEMENT IDENTITY THEFT & CHASE BANK MISCONDUCT I am a confirmed identity-theft victim, supported by official documentation from the XXXX XXXX XXXX XXXX Data Breach Settlement , which shows that my full personal information ( SSN, DOB, address, phone, email, etc. ) was stolen. Despite this proof, Chase refused to refund multiple unauthorized transactions on both my personal and business accounts. Chase never provided any evidence to justify their denial of my fraud claims. They did not provide required documentation, including : IP address logs Device IDs Call recordings Authorization records ACH XXXX XXXX authentication logs Login timestamps Denying my claims without providing evidence violates multiple federal laws, including Regulation E, FCRA 611, FACTA, and OCC banking requirements. Chase also furnished fraudulent negative information to the credit bureaus ( late payments, chargeoffs, derogatory marks, closedaccount notations ). All of this reporting resulted from identity theft, making their reporting a direct violation of FCRA 605B, 602A, and 623 ( a ) ( 6 ). In addition, Chase restricted or closed accounts, reduced credit lines, and caused significant financial harm to both my personal finances and my business. These actions clearly violate CFPB UDAAP standards ( Unfair, Deceptive, and Abusive Acts and Practices ).
Frequently Asked Questions
What is Complaint #18112077 about?
Complaint #18112077 was filed against Jpmorgan Chase & Co. regarding Debt or credit management specifically about Unauthorized withdrawals or charges. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". 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 (Debt or credit management) 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.