Debt collection -- Written notification about debt -- Complaint #19897213
JPMorgan Chase Accused of Insufficient Debt Verification Information
Complaint Overview
Complaint ID: 19897213
Company: Jpmorgan Chase & Co.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New York
ZIP Code: 11435
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The consumer's claim of not receiving adequate information to verify the debt could indicate potential violations of debt collection regulations, requiring further investigation into the bank's practices.
Consumer Sentiment: neutral
Topics: Debt collection, Credit card debt, Debt verification
AI Analysis
CFPB complaint 19897213 was filed against JPMORGAN CHASE & CO. regarding Debt collection (Credit card debt), specifically about "Written notification about debt". A consumer disputed a credit card debt with JPMorgan Chase, claiming they did not receive sufficient written information to verify the debt, and the complaint was closed with an explanation. The complaint was received on February 28, 2026 from New York. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always request detailed written validation of any debt they dispute, including the original creditor and amount, to ensure accuracy and prevent potential fraud.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information to consumers upon request to validate a debt.
Regulatory Insight
This case highlights the importance of clear and comprehensive written communication from creditors and debt collectors regarding debt details to avoid disputes.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in New York, a state with its own consumer protection laws that may supplement federal regulations.
Industry Comparison
This issue is common in the credit card industry, where disputes over debt verification can arise due to complex account histories and third-party debt collection.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19897213 about?
CFPB complaint 19897213 involves Debt collection (Credit card debt). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive enough information to verify debt". This complaint was filed against JPMORGAN CHASE & CO. on February 28, 2026.
Which company is complaint 19897213 filed against?
Complaint 19897213 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 19897213?
JPMORGAN CHASE & CO. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19897213 filed?
Complaint 19897213 was received by the CFPB on February 28, 2026. It was sent to JPMORGAN CHASE & CO. on March 2, 2026.
What state was complaint 19897213 filed from?
Complaint 19897213 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 19897213?
Dispute information is not available for complaint 19897213.
What product category is complaint 19897213 about?
Complaint 19897213 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 19897213 submitted?
Complaint 19897213 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 19897213?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide specific information to consumers upon request to validate a debt. This relates to a Debt collection complaint against JPMORGAN CHASE & CO. involving "Written notification about debt".
How likely is complaint 19897213 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 19897213?
This complaint is rated as medium risk. The consumer's claim of not receiving adequate information to verify the debt could indicate potential violations of debt collection regulations, requiring further investigation into the bank's practices.
What regulatory actions apply to complaint 19897213?
This case highlights the importance of clear and comprehensive written communication from creditors and debt collectors regarding debt details to avoid disputes. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19897213?
Consumers should always request detailed written validation of any debt they dispute, including the original creditor and amount, to ensure accuracy and prevent potential fraud.
Are there state-specific protections for complaint 19897213?
The complaint originated in New York, a state with its own consumer protection laws that may supplement federal regulations. This complaint was filed from New York.
How does complaint 19897213 compare to industry norms?
This issue is common in the credit card industry, where disputes over debt verification can arise due to complex account histories and third-party debt collection.
What specific information is legally required in a written debt validation notice?
Under the FDCPA, a debt validation notice must include the amount of the debt, the name of the creditor to whom the debt is owed, and information on how to dispute the debt.
What are the potential consequences for a creditor failing to provide adequate debt verification?
Failure to provide adequate debt verification can lead to violations of the FDCPA, potentially resulting in legal action, fines, and damage to the creditor's reputation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.