Credit card -- Getting a credit card -- Complaint #19161312
Credit Card Application Denied by Chase
Complaint Overview
Complaint ID: 19161312
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Illinois
ZIP Code: 62025
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The denial of a credit card application is a common occurrence and typically has low risk for the consumer unless there are underlying credit issues.
Consumer Sentiment: neutral
Topics: Credit card, Application denial
AI Analysis
CFPB complaint 19161312 was filed against JPMORGAN CHASE & CO. regarding Credit card (General-purpose credit card or charge card), specifically about "Getting a credit card". A consumer in Illinois had their general-purpose credit card application denied by JPMORGAN CHASE & CO. and the complaint was closed with an explanation. The complaint was received on January 31, 2026 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should review their credit reports for any errors that may have contributed to the denial and consider applying for a card that better matches their credit profile.
Legal Context & Consumer Protection Laws
Credit card companies have the right to deny applications based on their underwriting criteria, which often include credit score, income, and debt-to-income ratio.
Regulatory Insight
Lenders must provide adverse action notices to consumers when credit is denied, explaining the specific reasons for the decision.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
Illinois has consumer protection laws that govern credit reporting and lending practices, but the denial itself is a standard outcome.
Industry Comparison
Credit card issuers frequently deny applications based on various risk factors, making this a common experience across the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161312 about?
CFPB complaint 19161312 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Getting a credit card", specifically "Application denied". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2026.
Which company is complaint 19161312 filed against?
Complaint 19161312 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 19161312?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161312 filed?
Complaint 19161312 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 1, 2026.
What state was complaint 19161312 filed from?
Complaint 19161312 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 19161312?
Dispute information is not available for complaint 19161312.
What product category is complaint 19161312 about?
Complaint 19161312 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 19161312 submitted?
Complaint 19161312 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161312?
Credit card companies have the right to deny applications based on their underwriting criteria, which often include credit score, income, and debt-to-income ratio. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Getting a credit card".
How likely is complaint 19161312 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 19161312?
This complaint is rated as low risk. The denial of a credit card application is a common occurrence and typically has low risk for the consumer unless there are underlying credit issues.
What regulatory actions apply to complaint 19161312?
Lenders must provide adverse action notices to consumers when credit is denied, explaining the specific reasons for the decision. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19161312?
Consumers should review their credit reports for any errors that may have contributed to the denial and consider applying for a card that better matches their credit profile.
Are there state-specific protections for complaint 19161312?
Illinois has consumer protection laws that govern credit reporting and lending practices, but the denial itself is a standard outcome. This complaint was filed from Illinois.
How does complaint 19161312 compare to industry norms?
Credit card issuers frequently deny applications based on various risk factors, making this a common experience across the industry.
What are the typical reasons for a credit card application denial?
Common reasons include a low credit score, insufficient credit history, high debt-to-income ratio, recent credit inquiries, or inaccurate information on the application.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.