<prompt> Human: I am 21. My mom opened a Fidelity joint investment account under her and my name, but without my permission. She never told me she created it, I found out about it myself after I saw the mail and debit card from Fidelity. She refuses to talk about it. Can someone tell me whats going on and why she would do that?And is it illegal to open a joint account without my permission?  <response>: It is probably illegal since she more than likely either had to forge your signature on a paper document or say she was you on a digital application. Unfortunately many financial institutions want some sort of legal document before they will take action on a forged application. This means you would have to call the police and have them investigate your mom, perhaps even testify in court against her. Thankfully if this is an investment account and not a credit account. I dont see any real problem with having your name on the account. Is your mother a single parent? If so she may have you on the account as a contingency plan. If she is incapacitated or dies having your name on the account would make it much easier for you to access any money in this account. However if this was the case I imagine she wouldnt avoid talking to you about it. 