Credit card -- Problem with a purchase shown on your statement -- Complaint #19195258
JPMorgan Chase Card Charged for Unrecognized Purchase
Complaint Overview
Complaint ID: 19195258
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: Card was charged for something you did not purchase with the card
State: New York
ZIP Code: 11211
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: medium
The risk is medium because unauthorized charges can lead to financial loss for the consumer and potential disputes for the company, requiring investigation and resolution.
Consumer Sentiment: neutral
Topics: Credit card, Unauthorized charges, Billing disputes
AI Analysis
CFPB complaint 19195258 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 reported being charged for a purchase they did not make on their JPMORGAN CHASE & CO. credit card, and the issue was closed with an explanation. The complaint was received on January 31, 2026 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unfamiliar charges and promptly dispute them with the card issuer.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit accounts.
Regulatory Insight
Card issuers must have robust systems to investigate and resolve disputes regarding unauthorized charges to comply with regulations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in New York and was handled by JPMORGAN CHASE & CO.
Industry Comparison
This is a common issue across the credit card industry, where customers may dispute charges they believe are fraudulent or incorrect.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19195258 about?
CFPB complaint 19195258 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 "Card was charged for something you did not purchase with the card". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2026.
Which company is complaint 19195258 filed against?
Complaint 19195258 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 19195258?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19195258 filed?
Complaint 19195258 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 2, 2026.
What state was complaint 19195258 filed from?
Complaint 19195258 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 19195258?
Dispute information is not available for complaint 19195258.
What product category is complaint 19195258 about?
Complaint 19195258 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 19195258 submitted?
Complaint 19195258 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 19195258?
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit accounts. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Problem with a purchase shown on your statement".
How likely is complaint 19195258 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 19195258?
This complaint is rated as medium risk. The risk is medium because unauthorized charges can lead to financial loss for the consumer and potential disputes for the company, requiring investigation and resolution.
What regulatory actions apply to complaint 19195258?
Card issuers must have robust systems to investigate and resolve disputes regarding unauthorized charges to comply with regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19195258?
Consumers should carefully review their credit card statements for any unfamiliar charges and promptly dispute them with the card issuer.
Are there state-specific protections for complaint 19195258?
The complaint originated in New York and was handled by JPMORGAN CHASE & CO. This complaint was filed from New York.
How does complaint 19195258 compare to industry norms?
This is a common issue across the credit card industry, where customers may dispute charges they believe are fraudulent or incorrect.
What steps should a consumer take if they discover a charge they didn't make?
Immediately contact the credit card issuer to report the unauthorized charge and initiate a dispute. Keep records of all communication.
What is the typical resolution process for a disputed charge?
The issuer will investigate the claim, which may involve contacting the merchant. The consumer's liability is often limited during the investigation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.