Checking or savings account -- Managing an account -- Complaint #11902881
Debit Card Woes at Chase Bank
Complaint Overview
Complaint ID: 11902881
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: New York
ZIP Code: 11375
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The issue appears to be isolated to a single consumer's debit card usage, suggesting a low risk of widespread systemic problems.
Consumer Sentiment: neutral
Topics: Debit Card, Checking Account, Account Management
AI Analysis
CFPB complaint 11902881 was filed against JPMORGAN CHASE & CO. regarding Checking or savings account (Checking account), specifically about "Managing an account". A consumer experienced issues using their debit/ATM card with a checking account managed by JPMORGAN CHASE & CO. in New York. The complaint was received on January 31, 2025 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should ensure their debit card is properly activated and that they are entering the correct PIN, and contact their bank immediately if issues persist.
Legal Context & Consumer Protection Laws
This complaint falls under general consumer banking regulations related to account access and transaction processing.
Regulatory Insight
Banks must provide reliable access to funds and functional debit card services as part of their customer agreements.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In New York, consumers have access to banking regulations and consumer protection agencies to address account management issues.
Industry Comparison
Debit card issues are common across the banking industry, but typically resolved at the individual account level.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11902881 about?
CFPB complaint 11902881 involves Checking or savings account (Checking account). The consumer reported an issue with "Managing an account", specifically "Problem using a debit or ATM card". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2025.
Which company is complaint 11902881 filed against?
Complaint 11902881 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 11902881?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 11902881 filed?
Complaint 11902881 was received by the CFPB on January 31, 2025. It was sent to JPMORGAN CHASE & CO. on February 3, 2025.
What state was complaint 11902881 filed from?
Complaint 11902881 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 11902881?
Dispute information is not available for complaint 11902881.
What product category is complaint 11902881 about?
Complaint 11902881 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 11902881 submitted?
Complaint 11902881 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 11902881?
This complaint falls under general consumer banking regulations related to account access and transaction processing. This relates to a Checking or savings account complaint against JPMORGAN CHASE & CO. involving "Managing an account".
How likely is complaint 11902881 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11902881?
This complaint is rated as low risk. The issue appears to be isolated to a single consumer's debit card usage, suggesting a low risk of widespread systemic problems.
What regulatory actions apply to complaint 11902881?
Banks must provide reliable access to funds and functional debit card services as part of their customer agreements. The CFPB tracks complaints like this one to identify patterns of misconduct across the Checking or savings account industry.
What should the consumer do about complaint 11902881?
Consumers should ensure their debit card is properly activated and that they are entering the correct PIN, and contact their bank immediately if issues persist.
Are there state-specific protections for complaint 11902881?
In New York, consumers have access to banking regulations and consumer protection agencies to address account management issues. This complaint was filed from New York.
How does complaint 11902881 compare to industry norms?
Debit card issues are common across the banking industry, but typically resolved at the individual account level.
What specific error message or behavior did the consumer observe when trying to use the debit card?
The provided data does not specify the exact nature of the debit card problem, only that it occurred.
Was the issue related to a specific ATM or point-of-sale terminal, or did it occur across multiple locations?
The data does not offer details on the location or frequency of the debit card issue.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.