Total CFPB complaints
7,571
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 7,571 complaints
JPMORGAN CHASE & CO. — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about JPMORGAN CHASE & CO.
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,280 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1,096 complaints
- Written notification about debt 745
Written notification about debt
745 complaints
- False statements or representation 625
False statements or representation
625 complaints
- Disclosure verification of debt 393
Disclosure verification of debt
393 complaints
- Communication tactics 382
Communication tactics
382 complaints
D
Grade D · 55.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about JPMORGAN CHASE & CO.?
JPMORGAN CHASE & CO. has accumulated 7,571 total CFPB complaints across 53 states, with 2,160 filed in the most recent 12 months against 5,411 historical complaints before that window. The trailing-12-month volume represents 28.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 19% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by California with 1,165 and Florida with 893, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.2/100 places JPMORGAN CHASE & CO. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2,160
28.5% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
55.2/100 composite
Response-quality profile
How JPMORGAN CHASE & CO. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does JPMORGAN CHASE & CO. compare to its peers?
JPMORGAN CHASE & CO. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,280 (%)
Took or threatened to take negative or legal action1,096 (%)
False statements or representation625 (%)
Written notification about debt745 (%)
Disclosure verification of debt393 (%)
Communication tactics382 (%)
Cont'd attempts collect debt not owed302 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,100 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,096 |
| Attempts to collect debt not owed | Debt was result of identity theft | 806 |
| False statements or representation | Attempted to collect wrong amount | 625 |
| Written notification about debt | Didn't receive enough information to verify debt | 562 |
| Disclosure verification of debt | Not given enough info to verify debt | 393 |
| Communication tactics | Frequent or repeated calls | 382 |
| Attempts to collect debt not owed | Debt was paid | 374 |
| Cont'd attempts collect debt not owed | Debt is not mine | 302 |
| Written notification about debt | Didn't receive notice of right to dispute | 183 |
Where do complaints against JPMORGAN CHASE & CO. come from?
The states where consumers have filed the most CFPB complaints against JPMORGAN CHASE & CO.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against JPMORGAN CHASE & CO.
Across 53 states with at least one filing
- California
California
1,165 complaints
- Florida
Florida
893 complaints
- Texas
Texas
795 complaints
- New York
New York
632 complaints
- Georgia 403
Georgia
403 complaints
- Illinois 318
Illinois
318 complaints
- Arizona 252
Arizona
252 complaints
- New Jersey 227
New Jersey
227 complaints
Frequently Asked Questions
What is the most common complaint against JPMORGAN CHASE & CO.? ▼
The most common issue consumers report about JPMORGAN CHASE & CO. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7,571 complaints filed with the CFPB.
Are complaints against JPMORGAN CHASE & CO. increasing or decreasing? ▼
Complaints against JPMORGAN CHASE & CO. are rising. The company received 2,160 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is JPMORGAN CHASE & CO.'s reputation grade? ▼
JPMORGAN CHASE & CO. has a reputation grade of D (score: 55.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does JPMORGAN CHASE & CO. respond to consumer complaints? ▼
JPMORGAN CHASE & CO. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does JPMORGAN CHASE & CO. operate? ▼
JPMORGAN CHASE & CO. has received CFPB complaints from consumers in 53 states, with the most complaints from California (1,165 complaints).
What can I do if JPMORGAN CHASE & CO. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If JPMORGAN CHASE & CO. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |