Business Profile

Bank

JPMorgan Chase Credit Card

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Important information

Customer Complaint:
Due to the volume of complaints filed against this
business, BBB only publishes the details for 15% of the total complaints filed.

Complaints

This profile includes complaints for JPMorgan Chase Credit Card's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

6,368 total complaints in the last 3 years.
2,526 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:05/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In April 2024, my Instagram (Meta) account was hacked, and shortly after, I discovered that my Chase credit card had been fraudulently charged a total of $16,090. I immediately contacted Chase, explained the situation, and filed a fraud report.

Despite my timely action and multiple follow-ups, Chase has refused to reverse the charges. I have not received meaningful support or resolution, and the fraudulent balance remains on my account. As a result, my credit score has been severely damaged, affecting my ability to do business, access credit, and manage essential financial needs. This entire situation has been emotionally and financially devastating for me and my family.
Business Response
Date: 05/12/2025
We responded to our customer’s concerns by letter. To protect their
privacy, we are not providing you with any details of our resolution. Our
customer may use their discretion in sharing our response directly with you.
Customer Answer
Date: 05/14/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.

**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

I am writing to formally dispute the unauthorized increase of my credit limit from the originally approved amount of $1,500 to $13,000. I request immediate documentation or any signed authorization that proves I approved or consented to this increase.
To date, no solutions have been offered, and I have not received any valid documentation confirming that I authorized this change. Unless proper documentation can be produced showing my explicit consent, I will not accept responsibility for any balance above the original $1,500 limit. If the account cannot be reversed, I am prepared to pay the $1,500 initially agreed upon—but I will not be held accountable for any amount beyond that without verified proof.
Additionally, I have spoken with a close friend who works at the Federal Bureau of Investigation. Based on that conversation, it is clear that these charges should be reversed by the credit card company (Chase) due to the absence of consent and proper authorization. I trust this matter will be taken seriously and resolved promptly.
Please address this issue as a matter of urgency.
Sincerely,

Regards,

Complaint ID: 23273915

Business Response
Date: 05/30/2025
We
responded to our customer's concerns. To protect their privacy, we are not
providing you with any details of our resolution. Our customer may use their
discretion in sharing our response directly with you.
Initial Complaint
Date:04/08/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I book a rsvp with Booking.com and I have to cancel due to Non-smoking room availibity. Hotel confirm there's no fees for cancelation, but Booking.com said there is a cancelation fee. Chase lost the dispute to Booking.com and they charge me $3500. I paid chase $3500 to paid booking.com

A couple months later, I called booking.com and they say they dont have the money. I call chase to ask where the money is, and they say its with booking.com, but chase can't provide me proof of the transaction other than just saying the money is with booking.com

After many phone calls with booking.com and their finace team, they are unable to see on their system about the funds from chase.
I call chase again and they say, they cant help me further.
Business Response
Date: 04/16/2025
We responded to our customer's concerns. To protect our customer's privacy, we are not providing you with any details of our resolution. Our customer may use their discretion in sharing our response directly with you.
Customer Answer
Date: 04/24/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
Chase agrees to do an internal investigation and say it will take 15 days. I will need to call them in 15 days. 4/9/25 was the starting date, so I will call next week.

Regards,
Complaint ID: 23177336

Business Response
Date: 05/20/2025
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Initial Complaint
Date:03/13/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Problem Summary: Dispute of Debt Validation – Lack of Proof of Bank Account Ownership and Potential Fraud

Detailed Explanation:
I am disputing a debt validation regarding a credit card account ending in 0876 (formerly 1505). The business has failed to provide sufficient proof that the bank account linked to this credit card belongs to me. Despite my request for verification, they have only provided a credit card statement, which does not confirm ownership of the bank account used to make payments.

I suspect that this account may have been fraudulently opened or compromised in my name. As a result, I have requested the following documentation, which has not been provided:

Verification of the Bank Account – Official documentation proving that the checking account funding the credit card was opened under my name.
Identification of the Account Owner – Clear evidence, such as a signed account application or identification documents, confirming my ownership of the bank account.
Fraud Prevention Measures – Documentation showing the steps taken to verify my identity and prevent fraudulent activity when the account was opened.
Under the Fair Credit Reporting Act (FCRA) Sections 609 and 611, I have the right to request verified information related to accounts reported in my name. Additionally, under FCRA Section 623, businesses must provide accurate information and conduct a reasonable investigation when a dispute is raised.

Requested Resolution:
I am requesting that the business provide the requested proof within 30 days. If they fail to do so, I will escalate this matter to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and credit reporting agencies for further investigation and corrective action.

I appreciate your assistance in resolving this dispute.
Business Response
Date: 04/15/2025
We responded to our
customer's concerns. To protect our customer's privacy, we are not providing
you with any details of our resolution. Our customer may use their discretion
in sharing our response directly with you.
Customer Answer
Date: 04/22/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.Thank you for your response. However, I must express serious concern regarding the content of your message.I have not received any communication from you directly, and to date, no proof has been provided that I opened or authorized the account in question. If you are refusing to provide documentation on the grounds of privacy, I must question: whose privacy are you protecting, and how does that apply to an account that is allegedly in my name?If this account was truly opened by me, you should have no issue providing:A signed application or agreementIP address or location data used during account creation (if applicable)Any records showing my authorization or activity on this accountYour refusal to provide these materials, combined with your vague statement about “our customer,” raises concerns that there may be no such documentation—because the account may have been opened without my knowledge or consent.I demand that you immediately cease any attempt to hold me responsible for this account until proper validation is provided. Continuing to do so without sufficient proof could be considered a violation of my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), and I reserve the right to pursue further legal action if necessary.Please treat this matter with the seriousness it warrants. I expect a prompt and full response.

Regards,
Complaint ID: 23061036

Business Response
Date: 05/16/2025
We responded to our customer's concerns by letter on May 16, 2025. To
protect our customer's privacy, we are not providing you with any details of
our resolution. Our customer may use their discretion in sharing our response
directly with you.
Initial Complaint
Date:03/04/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Dear BBB Representative,

I am writing to file a formal complaint against Chase regarding a misleading promotion and subsequent billing issues with my Chase Sapphire credit card.

On February 14, 2025, I was presented with a promotion by Chase Sapphire to transfer a balance from another credit card at a 0% APR, with the balance to be paid off over a specified period. Based on this offer, I transferred $4,000 from my American Express (AMEX) card to my Chase Sapphire card. Although I was charged a $200 service fee for the transfer, which was not clearly disclosed, I accepted this fee.

However, upon reviewing my statement today, I discovered that Chase is requiring me to pay the entire statement balance, which includes $1,634.96 in charges from the previous month, as well as the full $4,000 promotional transfer amount. This totals $5,834.96, contrary to the 0% APR promotion that was supposed to allow me to break up the balance over time.

I only proceeded with the balance transfer because of the 0% APR offer. Had I known that Chase would not honor this promotion, I would have kept the balance with AMEX, which provides flexible payment plan options. This situation has caused significant frustration and financial strain.

Attached to this letter is a copy of my statement, which clearly shows the breakdown of the charges and the promotional transfer. I believe Chase has engaged in deceptive practices and has failed to provide transparent and honest customer service.

I request that Chase rectify this situation by honoring the original 0% APR promotion and allowing me to pay off the transferred balance over the agreed period. Additionally, I urge the BBB to investigate Chase's promotional practices to prevent other consumers from experiencing similar issues.

Thank you for your attention to this matter.
Business Response
Date: 03/14/2025
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Customer Answer
Date: 03/19/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

The manager who called me was very helpful and provided clear details. However, the previous representative who initially assisted me was not knowledgeable. When dealing with credit cards and financial matters, it is imperative that a banker—especially one responding to a BBB complaint—is well-informed, helpful, and capable of guiding customers appropriately. Unfortunately, the team that initially handled my issue did not meet these standards.This experience reflects poorly on Chase’s customer service and overall business operations. The lack of proper training and competence displayed by the initial representatives was unacceptable for a financial institution of this caliber. Given the faulty business practices and inadequate service, I firmly believe I should be refunded on principle. This situation raises concerns about Chase’s commitment to customer care—does the company prioritize service, or is it simply reinforcing the perception of prioritizing profit over integrity?

Regards,
Complaint ID: 23017564

Business Response
Date: 04/18/2025
We
responded to our customer's concerns. To protect our customer's privacy, we are
not providing you with any details of our resolution. Our customer may use
their discretion in sharing our response directly with you.
Initial Complaint
Date:02/13/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
*This letter continues in the uploaded section as there is not enough space here. Apologies for the length but details are necessary.

I want to express to the BBB and Chase how disappointed, upset and disgusted I feel due to the way Chase has chosen to handle my mother’s joint credit card account with my deceased father.

My father passed away in October 2021. Under the guidance of our estate lawyer we immediately sent my father’s death certificate as soon as we received it to the various banks my father had accounts with - Chase being the only one he had a credit card account with. My mother called the Chase Estate Services line and notified them of my father’s death. She then sent the death certificate via snail mail to the address provided by the customer service agent.

Shortly after sending in the death certificate when it was time to get new credit cards my mother didn’t receive a card for my father which made sense to her as she had notified Chase. She never thought once to question if the death certificate was received nor was she told over the phone when she originally called the Estate Services line anything about her not being able to use her credit card account. She continued to use her credit card as normal after his death.

Fast forward three years later, my mother tried to log into her account as she wanted to use her points to book travel for the first time but had trouble doing so so she called customer service. Customer service asked to speak to the primary card holder. My mother, baffled, responded that she was the primary card holder. The customer service representative told her that there was another name. My mother was surprised and responded the only other name would be her husband but he passed in 2021. She was transferred to another department. Immediately and coldly, without much explanation, the new representative said that the card account was being canceled immediately.

**to be continue in uploaded supporting documents
Business Response
Date: 02/25/2025
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Customer Answer
Date: 03/03/2025
Better Business Bureau:

I received a phone call from Chase but have not found a time that my mother and I are both available during the business hours given to discuss a resolution. We are planning to call Chase next week when our work schedule allows. Therefore this case has not yet been resolved.I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

Regards,
Complaint ID: 22940264

Business Response
Date: 03/18/2025
We responded to our customer's concerns. To protect our customer's privacy, we are not providing you with any details of our resolution. Our customer may use their discretion in sharing our response directly with you
Initial Complaint
Date:02/13/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

JPMCB CARD
424631
BAL: $6,849.00
ADDRESS: PO BOX 15369, WILMINGTON, DE 19850
Business Response
Date: 02/20/2025
We responded to our
customer's concerns by letter on February 20, 2025. To protect our customer's privacy, we are
not providing you with any details of our resolution. Our customer may use
their discretion in sharing our response directly with you.
Initial Complaint
Date:02/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Made payment of $3600 on Jan 31st, leaving balance of around $50. On February 6, got charged $51.53 for interest. Could not pay balance to 0 because there is a credit coming. The interest should not be close to same as balance. Spoke with ****** about issue. She did agree but refused to correct issue. I want thr interest refunded since it is close to the same amount of balance.
Business Response
Date: 02/10/2025
We responded to our customer's concerns. To protect their
privacy, we are not providing you with any details of our resolution. Our
customer may use their discretion in sharing our response directly with you.
Customer Answer
Date: 02/12/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. I Refuse because they called me and said they are refusing to reverse the interest charges that was applied after payment was made. The charge was almost same as the remaining balance.

Regards,
Complaint ID: 22913719

Business Response
Date: 02/28/2025
We
responded to our customer's concerns. To protect our customer's privacy, we are
not providing you with any details of our resolution. Our customer may use
their discretion in sharing our response directly with you.
Initial Complaint
Date:02/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have not had a chase account in quite some time. I am still getting credit alerts “from my account” they they closed.

I can not unsubscribe via one click in the email and it says I have to go to an account that doesn’t exist for it.

I am not waiting on their stupid phones to not get someone who know how to remove me from the email list.

REMOVE ME FROM THE EMAIL LIST BECAUSE I DONT HAVE AN ACCOUNT WITH YOU.
Business Response
Date: 02/12/2025
We responded to our
customer's concerns. To protect their privacy, we are not providing you with
any details of our resolution. Our customer may use their discretion in sharing
our response directly with you.
Customer Answer
Date: 02/12/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

They called me after I asked for no more contact and they have yet to do anything to fix the error. I’m still getting communication even though I have asked a dozen times to be left alone and had to resort to bbb. I asked for no more communication and for all of my contact information be erased. They have yet to prove they have done this.

Regards,
Complaint ID: 22911977

Business Response
Date: 02/26/2025
We responded to our
customer's concerns. To protect their privacy, we are not providing you with
any details of our resolution. Our customer may use their discretion in sharing
our response directly with you.
Initial Complaint
Date:01/30/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a balance of $48,847. I paid $48,800 towards the balance on January 6, 2025. Chase then charged me an additional $426 Interest after I paid the balance down to $47. Now they are requiring a minimum payment of $430 when my balance should be $47 plus interest on that balance. If I don't pay the minimum by the due date, they will add the larger interest charge again to my statement.
I spoke with them and asked them to work with me in a way that was reasonable for me to manage and pay but they insist that they will not offer any solutions except to continue to charge the larger interest charge every month if the balance is not paid in full.
Birthday *********** CC# last four digits.....****
Business Response
Date: 02/05/2025
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Initial Complaint
Date:01/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I applied for a Chase credit card. They sent it twice to the wrong address. After receiving the card I charged the card twice. I paid with Billpay thru my credit union. I sent two checks for $142.50 and $54.58. They screwed up the payments somehow and didn’t apply the check for $142.50 to the account and deposited the check for $58.54 into the wrong account. Billpay for my credit union contacted them four times stating that I had paid the account. I have two letters from them stipulating as such and copies of the two checks that were sent. My supervisor from SFFCU called Chase bank about the situation and they stated they would get back to her. They never responded. I called numerous times without any resolution, they haven’t helped try to resolve this issue other than sending billing statements and filing report with a credit bureau. It has adversely affected my credit score dramatically (641 which was over 800 before this happened). They have threatened me with filing a bad credit report. They created this situation and I’ve been the victim of their incompetence. I paid them but they screwed up the payments and have ruined my credit score. I need this resolved with this company, for them to take responsibility for their mistakes, and so my credit score is updated back to where it was before dealing with this company.
Business Response
Date: 02/06/2025
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Customer Answer
Date: 05/19/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.

**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

Regards,

Complaint ID: 22845495

Business Response
Date: 06/06/2025
We
responded to our customer's concerns. To protect their privacy, we are not
providing you with any details of our resolution. Our customer may use their
discretion in sharing our response directly with you.

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JPMorgan Chase Credit Card is NOT a BBB Accredited Business.