Credit card -- Problem with a purchase shown on your statement -- Complaint #18420436
JPMorgan Chase Accused of Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 18420436
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 93036
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Postal mail
Risk Assessment
Risk Level: medium
The credit card company's failure to address a disputed purchase could indicate systemic issues with their dispute resolution process or a lack of adherence to consumer protection regulations.
Consumer Sentiment: negative
Topics: credit card dispute, purchase dispute, consumer protection
AI Analysis
CFPB complaint 18420436 was filed against JPMORGAN CHASE & CO. regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer is disputing a purchase on their credit card statement with JPMORGAN CHASE & CO., but the company has not resolved the issue. The complaint was received on December 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should clearly document all communication with their credit card company regarding disputes and be prepared to escalate the issue if it is not resolved promptly.
Legal Context & Consumer Protection Laws
This situation may fall under the Fair Credit Billing Act (FCBA), which provides consumers with rights and protections when disputing charges on their credit card statements.
Regulatory Insight
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer's state of residence is not provided, which could be relevant if state-specific consumer protection laws apply.
Industry Comparison
This issue is common across the credit card industry, as dispute resolution processes can be complex and sometimes lead to consumer dissatisfaction.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18420436 about?
CFPB complaint 18420436 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against JPMORGAN CHASE & CO. on December 31, 2025.
Which company is complaint 18420436 filed against?
Complaint 18420436 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 18420436?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18420436 filed?
Complaint 18420436 was received by the CFPB on December 31, 2025. It was sent to JPMORGAN CHASE & CO. on January 2, 2026.
What state was complaint 18420436 filed from?
Complaint 18420436 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18420436?
Dispute information is not available for complaint 18420436.
What product category is complaint 18420436 about?
Complaint 18420436 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 18420436 submitted?
Complaint 18420436 was submitted via Postal mail. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18420436?
This situation may fall under the Fair Credit Billing Act (FCBA), which provides consumers with rights and protections when disputing charges on their credit card statements. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Problem with a purchase shown on your statement".
How likely is complaint 18420436 to be resolved?
Resolution likelihood: mixed. 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 18420436?
This complaint is rated as medium risk. The credit card company's failure to address a disputed purchase could indicate systemic issues with their dispute resolution process or a lack of adherence to consumer protection regulations.
What regulatory actions apply to complaint 18420436?
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 18420436?
Consumers should clearly document all communication with their credit card company regarding disputes and be prepared to escalate the issue if it is not resolved promptly.
Are there state-specific protections for complaint 18420436?
The consumer's state of residence is not provided, which could be relevant if state-specific consumer protection laws apply. This complaint was filed from California.
How does complaint 18420436 compare to industry norms?
This issue is common across the credit card industry, as dispute resolution processes can be complex and sometimes lead to consumer dissatisfaction.
What are the typical timeframes for a credit card company to resolve a purchase dispute?
Under the Fair Credit Billing Act, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and resolve a billing dispute.
What steps can a consumer take if their credit card company fails to resolve a dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB, contact their state's Attorney General, or consider legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.