2006 PRIMARY PRODUCT CATEGORY (TREND ANALYSIS) OPEN DATE FROM: 1/01/02 TO: 11/30/06 COMPLAINTS ONLY STATE OF WISCONSIN HOLDING COMPANY: J. P. MORGAN CHASE & CO.
Category | Primary | Secondary | Reg Cite | Reg Detail												2002		%*				2003		%*		2004		%*		2005			%*			2006		%*
LOAN												82		75.93			73			66.36		94		74.60		140			75.27			107		79.85
		CREDIT CARD ACCOUNT										58		70.7			50			68.5		75		79.8		99			70.7			83		77.6
				REG Z 12 CFR 226-B OP-END								32		55.2			30			60.0		43		57.3		52			52.5			55		66.3
					.9 SUBSEQUENT DISCLOSURE							4		12.5			10			33.3		16		37.2		15			28.8			19		34.5
						.9(C) CHANGE IN TERMS						4		100.0			10			100.0		15		93.8		14			93.3			19		100.0
						.9(B) DEVICES/FEATURES																				1			6.7
						(No Regulation Detail)																1		6.3
					.13 BILLING ERROR							12		37.5			6			20.0		7		16.3		9			17.3			11		20.0
						(No Regulation Detail)						6		50.0			4			66.7		6		85.7		8			88.9			10		90.9
						.13(E) IF ERROR OCCURRED						4		33.3			1			16.7												1		9.1
						.13(D) PENDING RESOLUTION											1			16.7						1			11.1
						.13(C) TIME LIMIT						1		8.3								1		14.3
						.13(F) DIFFERENT ERROR						1		8.3
					.12 SPECIAL PROVISIONS							9		28.1			7			23.3		7		16.3		10			19.2			7		12.7
						.12(A) ISSUANCE						4		44.4			5			71.4		3		42.9		5			50.0			4		57.1
						.12(C) CLAIMS AND DEFENSES																2		28.6								2		28.6
						.12(B) UNAUTHORIZED USE						4		44.4			2			28.6		2		28.6		4			40.0			1		14.3
						(No Regulation Detail)																				1			10.0
						.12(E) RETURNS & REFUNDS						1		11.1
					.5A SOLICITATIONS & APPS												1			3.3		4		9.3		3			5.8			6		10.9
						(No Regulation Detail)											1			100.0		3		75.0		3			100.0			5		83.3
						.5A(B) REQUIRED CONTENT																1		25.0								1		16.7
					.6 INITIAL DISCLOSURE							1		3.1			1			3.3		5		11.6		4			7.7			5		9.1
						.6(B) OTHER CHARGES											1			100.0		5		100.0		1			25.0			3		60.0
						.6(A) FINANCE CHARGE																				3			75.0			2		40.0
						(No Regulation Detail)						1		100.0
					.10 PROMPT CREDITING							1		3.1								1		2.3		4			7.7			2		3.6
						(No Regulation Detail)						1		100.0												1			25.0			1		50.0
						.10(B) SPECIFIC REQMTS																										1		50.0
						.10(A) GENERAL RULE																1		100.0		3			75.0
					.16 ADVERTISING							1		3.1								1		2.3		4			7.7			1		1.8
						.16(B) TRIGGERING TERMS																										1		100.0
						(No Regulation Detail)																1		100.0		2			50.0
						.16(A) AVAILABLE TERMS						1		100.0												2			50.0
					(No Regulation Cite)							1		3.1			2			6.7		1		2.3		1			1.9			1		1.8
						(No Regulation Detail)						1		100.0			2			100.0		1		100.0		1			100.0			1		100.0
					.7 PERIODIC STATEMENT												2			6.7						1			1.9			1		1.8
						.7(H) OTHER CHARGES																				1			100.0			1		100.0
						(No Regulation Detail)											1			50.0
						.7(F) FINANCE CHARGE AMT											1			50.0
					.5 GENERAL DISCLOSURE							1		3.1								1		2.3								1		1.8
						.5(E) SUBSEQUENT EVENTS						1		100.0								1		100.0								1		100.0
					.14 DETERMINATION OF APR																											1		1.8
						.14(A) GENERAL RULE																										1		100.0
					.11 CREDIT BALANCES							1		3.1			1			3.3						1			1.9
						(No Regulation Detail)						1		100.0			1			100.0						1			100.0
					.8 IDENTIFICATION OF TRANSACTIONS							1		3.1
						(No Regulation Detail)						1		100.0
				SERVICE								9		15.5			7			14.0		13		17.3		20			20.2			13		15.7
					(No Regulation Cite)							1		11.1			3			42.9		2		15.4		3			15.0			5		38.5
						(No Regulation Detail)						1		100.0			3			100.0		2		100.0		3			100.0			5		100.0
					COMMUNICATIONS							1		11.1			1			14.3		4		30.8		7			35.0			4		30.8
						MAIL																1		25.0		1			14.3			3		75.0
						(No Regulation Detail)																2		50.0		6			85.7			1		25.0
						LANGUAGE																1		25.0
						TELEPHONE						1		100.0			1			100.0
					SYSTEMS/TECHNOLOGY							2		22.2			1			14.3		3		23.1		3			15.0			3		23.1
						PAYMENT PROCESSING						1		50.0								3		100.0		3			100.0			2		66.7
						(No Regulation Detail)						1		50.0																		1		33.3
						ITEM PROCESSING											1			100.0
					PRIVACY							5		55.6			1			14.3		2		15.4		3			15.0			1		7.7
						IDENTITY THEFT						2		40.0								1		50.0		2			66.7			1		100.0
						TELESERVICING						2		40.0												1			33.3
						(No Regulation Detail)						1		20.0			1			100.0		1		50.0
					FEES,PART 7.4002																	2		15.4		3			15.0
						(No Regulation Detail)																2		100.0		1			33.3
						NEW FEES																				1			33.3
						UNFAIR FEES																				1			33.3
					ACCESS												1			14.3						1			5.0
						(No Regulation Detail)											1			100.0						1			100.0
				DEBT COLLECTION								4		6.9			3			6.0		9		12.0		11			11.1			9		10.8
					(No Regulation Cite)							2		50.0			2			66.7		2		22.2		2			18.2			4		44.4
						(No Regulation Detail)						2		100.0			2			100.0		2		100.0		2			100.0			4		100.0
					UNFAIR PRACTICES							1		25.0								1		11.1		2			18.2			4		44.4
						NON-LIABLE PARTY						1		100.0								1		100.0		1			50.0			3		75.0
						(No Regulation Detail)																				1			50.0			1		25.0
					HARASSMENT							1		25.0			1			33.3		4		44.4		3			27.3			1		11.1
						EXCESSIVE CALLS											1			100.0		3		75.0								1		100.0
						(No Regulation Detail)						1		100.0								1		25.0		3			100.0
					GENERAL PRACTICES																	1		11.1		4			36.4
						(No Regulation Detail)																1		100.0		3			75.0
						FAILURE TO CEASE CONTACT																				1			25.0
					FALSE STATEMENTS																	1		11.1
						(No Regulation Detail)																1		100.0
				FCRA 15 USC 1681								2		3.4			5			10.0		4		5.3		7			7.1			4		4.8
					(S-2)USER RESPONSIBILITIES							1		50.0			3			60.0		4		100.0		7			100.0			4		100.0
						(No Regulation Detail)						1		100.0			3			100.0		4		100.0		7			100.0