Credit card -- Problem with a purchase shown on your statement -- Complaint #19182195
JPMorgan Chase Credit Card Overcharge Resolved with Monetary Relief
Complaint Overview
Complaint ID: 19182195
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: Overcharged for something you did purchase with the card
State: New Jersey
ZIP Code: 07047
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with monetary relief, indicating a successful resolution for the consumer.
Consumer Sentiment: positive
Topics: Credit card, Billing dispute, Overcharge
AI Analysis
CFPB complaint 19182195 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 New Jersey consumer reported being overcharged for a purchase on their JPMORGAN CHASE & CO. credit card, and the issue was resolved with monetary relief. The complaint was received on January 31, 2026 from New Jersey. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any discrepancies and contact their card issuer immediately if an overcharge is found.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and fair credit practices.
Regulatory Insight
Card issuers must have processes in place to investigate and resolve billing disputes promptly and accurately.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in New Jersey and was closed with monetary relief.
Industry Comparison
Credit card companies generally have robust dispute resolution processes, and this case reflects a successful outcome within those systems.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182195 about?
CFPB complaint 19182195 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 "Overcharged for something you did purchase with the card". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2026.
Which company is complaint 19182195 filed against?
Complaint 19182195 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 19182195?
JPMORGAN CHASE & CO. responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 19182195 filed?
Complaint 19182195 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 2, 2026.
What state was complaint 19182195 filed from?
Complaint 19182195 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 19182195?
Dispute information is not available for complaint 19182195.
What product category is complaint 19182195 about?
Complaint 19182195 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 19182195 submitted?
Complaint 19182195 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 19182195?
This situation falls under consumer protection laws related to billing errors and fair credit practices. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Problem with a purchase shown on your statement".
How likely is complaint 19182195 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19182195?
This complaint is rated as low risk. The risk is low as the issue was resolved with monetary relief, indicating a successful resolution for the consumer.
What regulatory actions apply to complaint 19182195?
Card issuers must have processes in place to investigate and resolve billing disputes promptly and accurately. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19182195?
Consumers should carefully review their credit card statements for any discrepancies and contact their card issuer immediately if an overcharge is found.
Are there state-specific protections for complaint 19182195?
The complaint originated in New Jersey and was closed with monetary relief. This complaint was filed from New Jersey.
How does complaint 19182195 compare to industry norms?
Credit card companies generally have robust dispute resolution processes, and this case reflects a successful outcome within those systems.
What is the typical timeframe for resolving an overcharge dispute with a credit card company?
The Fair Credit Billing Act (FCBA) provides consumers with specific rights and timeframes for disputing billing errors, typically requiring the issuer to acknowledge the dispute within 30 days and resolve it within two billing cycles or 90 days, whichever is longer.
What documentation should a consumer have ready when disputing an overcharge?
Consumers should gather their credit card statement showing the incorrect charge, any receipts or proof of the correct amount, and any communication with the merchant regarding the overcharge.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.