Credit card -- Fees or interest -- Complaint #19197227
JPMorgan Chase Credit Card Fee Dispute Closed with Explanation
Complaint Overview
Complaint ID: 19197227
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Georgia
ZIP Code: 30355
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-03T12:00:00-05:00
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 addressed or clarified by the company, and the consumer did not indicate further dissatisfaction.
Consumer Sentiment: neutral
Topics: Credit card fees, JPMORGAN CHASE & CO., Dispute resolution
AI Analysis
CFPB complaint 19197227 was filed against JPMORGAN CHASE & CO. regarding Credit card (General-purpose credit card or charge card), specifically about "Fees or interest". A Georgia consumer filed a complaint regarding fees on a general-purpose credit card issued by JPMORGAN CHASE & CO., which was closed with an explanation. The complaint was received on January 31, 2026 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unexpected fees and contact their card issuer promptly to dispute them.
Legal Context & Consumer Protection Laws
Credit card companies are generally permitted to charge fees as disclosed in the cardholder agreement, but must do so transparently.
Regulatory Insight
This case highlights the importance of clear fee disclosures and the process for handling consumer disputes related to these fees.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
In Georgia, as elsewhere, consumers have rights regarding credit card fees and dispute resolution processes.
Industry Comparison
Disputes over credit card fees are common across the financial industry, with varying resolution outcomes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19197227 about?
CFPB complaint 19197227 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against JPMORGAN CHASE & CO. on January 31, 2026.
Which company is complaint 19197227 filed against?
Complaint 19197227 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 19197227?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19197227 filed?
Complaint 19197227 was received by the CFPB on January 31, 2026. It was sent to JPMORGAN CHASE & CO. on February 3, 2026.
What state was complaint 19197227 filed from?
Complaint 19197227 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19197227?
Dispute information is not available for complaint 19197227.
What product category is complaint 19197227 about?
Complaint 19197227 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 19197227 submitted?
Complaint 19197227 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 19197227?
Credit card companies are generally permitted to charge fees as disclosed in the cardholder agreement, but must do so transparently. This relates to a Credit card complaint against JPMORGAN CHASE & CO. involving "Fees or interest".
How likely is complaint 19197227 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 19197227?
This complaint is rated as low risk. The complaint was closed with an explanation, suggesting the issue was addressed or clarified by the company, and the consumer did not indicate further dissatisfaction.
What regulatory actions apply to complaint 19197227?
This case highlights the importance of clear fee disclosures and the process for handling consumer disputes related to these fees. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19197227?
Consumers should carefully review their credit card statements for any unexpected fees and contact their card issuer promptly to dispute them.
Are there state-specific protections for complaint 19197227?
In Georgia, as elsewhere, consumers have rights regarding credit card fees and dispute resolution processes. This complaint was filed from Georgia.
How does complaint 19197227 compare to industry norms?
Disputes over credit card fees are common across the financial industry, with varying resolution outcomes.
What specific fees were disputed by the consumer?
The provided data does not specify the exact fees in question, only that the complaint was related to 'Problem with fees'.
What was the nature of the 'explanation' provided by JPMORGAN CHASE & CO.?
The 'explanation' likely details the reason for the fees or the resolution offered to the consumer, but the specifics are not available in this summary.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.