Checking or savings account -- Managing an account -- Complaint #19182782
JPMorgan Chase Debit Card Issues Lead to Closed Complaint
Complaint Overview
Complaint ID: 19182782
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: Virginia
ZIP Code: 20191
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The complaint was closed with an explanation, suggesting the issue was resolved or deemed not to require further action from the bank's perspective.
Consumer Sentiment: neutral
Topics: Checking or savings account, Checking account, Managing an account, Problem using a debit or ATM card
AI Analysis
CFPB complaint 19182782 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 Virginia, and the complaint was closed with an explanation. The complaint was received on January 31, 2026 from Virginia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of any issues encountered with debit cards and report them promptly to their financial institution.
Legal Context & Consumer Protection Laws
This case falls under general consumer protection laws related to banking services and electronic fund transfers.
Regulatory Insight
Banks are expected to provide clear explanations for account actions and resolve debit card issues in a timely manner.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Virginia, consumers have recourse through the CFPB for banking-related complaints.
Industry Comparison
Debit card issues are common across financial institutions, with resolution times varying.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182782 about?
CFPB complaint 19182782 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, 2026.
Which company is complaint 19182782 filed against?
Complaint 19182782 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 19182782?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19182782 filed?
Complaint 19182782 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 2, 2026.
What state was complaint 19182782 filed from?
Complaint 19182782 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 19182782?
Dispute information is not available for complaint 19182782.
What product category is complaint 19182782 about?
Complaint 19182782 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 19182782 submitted?
Complaint 19182782 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 19182782?
This case falls under general consumer protection laws related to banking services and electronic fund transfers. This relates to a Checking or savings account complaint against JPMORGAN CHASE & CO. involving "Managing an account".
How likely is complaint 19182782 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 19182782?
This complaint is rated as low risk. The complaint was closed with an explanation, suggesting the issue was resolved or deemed not to require further action from the bank's perspective.
What regulatory actions apply to complaint 19182782?
Banks are expected to provide clear explanations for account actions and resolve debit card issues in a timely manner. 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 19182782?
Consumers should keep detailed records of any issues encountered with debit cards and report them promptly to their financial institution.
Are there state-specific protections for complaint 19182782?
In Virginia, consumers have recourse through the CFPB for banking-related complaints. This complaint was filed from Virginia.
How does complaint 19182782 compare to industry norms?
Debit card issues are common across financial institutions, with resolution times varying.
What specific explanation was provided by JPMorgan Chase for the debit card issue?
The provided data indicates the complaint was 'Closed with explanation,' but the specific details of that explanation are not included.
What steps can a consumer take if they disagree with the explanation provided by the bank?
If a consumer disagrees with the bank's explanation, they can escalate the complaint within the bank, file a new complaint with the CFPB, or seek legal counsel.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.