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Business Profile

Bank

JPMorgan Chase Credit Card

This business is NOT BBB Accredited.

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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

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    Customer Complaints Summary

    • 6,386 total complaints in the last 3 years.
    • 2,543 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/15/2024

      Type:Billing Issues
      Status:
      Answered
      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 JPMorgan Chase,

      I am writing to address a concerning issue that has recently come to my attention and is impacting my financial well-being. On May 2020, a late payment was reported to all three major credit bureaus under my name. This late payment is inaccurate and unjustified, as I have consistently maintained timely payments on my accounts.

      As a long-standing customer with JPMorgan Chase since 2016, I have always held your institution in high regard and have entrusted my financial matters to your esteemed organization. However, I am deeply disappointed and frustrated by the significant impact this erroneous reporting has had on my credit score and subsequent financial opportunities.

      This mistake has not only damaged my creditworthiness but has also hindered my ability to access loans and secure reasonable interest rates, causing undue stress and inconvenience. I urge you to investigate this matter promptly and rectify the error to restore my credit standing to its accurate and deserved status.

      Furthermore, I am concerned whether this incident reflects a pattern of inaccuracies within your reporting systems. I am left questioning whether other customers may have experienced similar issues, and if so, how they have been addressed.

      I implore you to take immediate action to correct this error and provide me with assurance that steps will be taken to prevent such mistakes from occurring in the future. I believe in the integrity and reliability of JPMorgan Chase and trust that you will handle this matter with the seriousness and urgency it warrants.

      I kindly request prompt communication regarding the resolution of this issue and any steps I need to take to expedite the process. Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution.

      Sincerely,

      Business Response

      Date: 02/29/2024

      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:02/09/2024

      Type:Product Issues
      Status:
      Answered
      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 received an extremely unprofessional email from Chase who I had a Southwest Airlines Rewards Visa Card with. I called them upon receiving this message and after explaining the situation with a representative from Chase I was hung up on. Never has anything like this happened to me ever from any company. I made a return call and was hung up on again. I explained to them to cancel my card immediately, the card has been destroyed. They have been calling my cell, sometimes 2-3 times a day and leaving no message of any kind. These are the numbers: 800-914-2279 & 877-412-2004
      I have given them an annual fee charge of $80 for the past several years.

      After this treatment I want a check from that company for $240 sent directly to me at my home address for the worst customer service I have ever seen. If I get any more phone calls from them after your contact I will seek legal council for something that is utterly ridiculous.

      Business Response

      Date: 03/01/2024

      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: 03/05/2024

      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 have not responded in any way whatsoever. They continue to robot call, their customer service is crap!



      Regards,
      Complaint ID: 21272089
       



       

      Business Response

      Date: 03/20/2024

      We responded to our customer’s concerns in our letter dated March 20, 2024. To protect our customer’s privacy, we are not providing you with the
      details of our resolution. Our customer may use their discretion in sharing our
      response directly with you.

    • Initial Complaint

      Date:02/02/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Multiple added fees.

      Back in September 2023 I paid off the entire balance for my Amazon Prime visa card before my military PCS to Germany. Because of the move and mail not making it to me, there was a statement that was sent in October that did not make it to me until December. At this time, the balance was around $120. I called the company 12/12/2023 and they informed me that they would remove a late fee and I paid the remaining balance of around $90 again and told them to close the account. Now it is Feb 2024 and I have received another statement for $121.53. They have also made a late remark on my credit report causing my score to drop. I would like for the $121.53 to be removed and my account with them completely closed. I would also like every fee they have charged me over the life of this account refunded to me. The last thing I would like is for them to adjust the remark on my credit report.

      Business Response

      Date: 02/28/2024

      We responded to our customer’s concerns in our letter dated February 28, 2024. To protect our customer’s privacy, we are not providing you with the
      details of our resolution. Our customer may use their discretion in sharing our
      response directly with you.

    • Initial Complaint

      Date:01/29/2024

      Type:Billing Issues
      Status:
      Resolved
      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 a Chase Southwest Performance Business Card.
      One of the benefits of this card is that if I refer friends and they get a card I get 20,000 Southwest miles.
      I referred two friends in November (40,000 miles) and I referred two friends in December (40,000) miles.
      Chase credit a closed account with these miles. The account was closed January 24, 2022, almost two years ago! These miles should have been credited to my current open account.
      I've called Chase customer service on 3 different occasions about this. All of the reps I spoke to insisted that, although the miles were credited to a closed account, the miles would be sent to Southwest because the Southwest Rapid Rewards numbers are the same.
      The last rep I spoke to insisted Chase sent the miles over and it was a Southwest problem.
      I spoke to Southwest and they escalated and said Chase is refusing to send the miles because this is on a closed account. I also have one written correspondence stating this, it is attached.

      This is an error on Chase's part. Why would I refer friends using a closed account? I don't even understand why Chase would allow this to be done. The card was closed almost 2 years ago. If Chase does allow this, it is a deceptive practice and should be illegal, as it is cheating credit card customers out of benefits that are entitled to.

      These miles are valued at $1200 and an error in Chase's system caused this issue.

      I would like Chase to honor the benefit and credit these miles to the correct, open account.

      Business Response

      Date: 02/12/2024

      We responded to our customer’s concerns in our letter dated February 12, 2024. To protect our customer’s privacy, we are not providing you with the
      details of our resolution. Our customer may use their discretion in sharing our
      response directly with you.

      Customer Answer

      Date: 02/16/2024

      Better Business Bureau:


      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 





      Regards,



      Complaint ID: 21217785




       


       


       

    • Initial Complaint

      Date:01/28/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Good Day, my name is ***** ***********e. I am writing to file a formal complaint against Chase JP Morgan Credit Card Services regarding the mishandling and discontinuation of my Chase Freedom Student Credit Card, resulting in a negative impact on my credit score.

      Around 2-3 years ago, I obtained a Chase Freedom Student Credit Card. On June 11th, 2023, Chase discontinued this card without notifying me. I discovered this on December 25th, 2023, when the card was no longer available on the Chase app.

      On December 27th, 2023, I visited a Chase bank to open a CD account and inquired about the missing credit card. I was advised to call the card's number for clarification. On December 28th, 2023, after multiple attempts to speak to a representative, as my card number was not being accepted for the call, I learned that the credit card did not exist.

      On January 24th, 2024, a credit check at Georgia Credit Union revealed I was 30 days overdue on the Chase credit card, impacting my credit score. A visit to Chase Bank on the same day revealed no record of the credit card, along with no record of an overdue payment, yet the negative impact on my credit score persists. Additionally, I would like to emphasize that I still possess the physical Chase Freedom Student Credit Card in question, confirming that I did receive a card from Chase, and the expiration date is stated as 11/26. This tangible evidence supports my claim that the card was not supposed to expire prematurely.

      I seek the following resolutions:

      Restore the credit points deducted from my score due to the removal of the credit card without notification.
      Remove the 30-day overdue mark from my credit record, as there is no legitimate outstanding balance.
      I request BBB's assistance in facilitating communication with Chase to promptly address and rectify this matter. Your intervention will greatly contribute to resolving the unjust consequences I am currently facing.

      Thank you for your attention to this matter.

      Business Response

      Date: 02/28/2024

      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:01/28/2024

      Type:Billing Issues
      Status:
      Resolved
      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 am not liable for this debt. I do not have a contract with JPMCB - CARD SERVICES they did not provide me with original contract as requested.

      Business Response

      Date: 02/27/2024

      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: 02/28/2024

      Better Business Bureau:


      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 





      Regards,



      Complaint ID: 21210807




       


       


       

    • Initial Complaint

      Date:01/25/2024

      Type:Product Issues
      Status:
      Resolved
      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 purchased a coffee table from Homary.com and it arrived damaged TWICE. The company did not respond to my emails after the second table arrived damaged, so I filed a dispute with Chase credit card. The company finally responded to my complaint and said that they would reimburse me if I withdrew the dispute (see email). I withdrew the dispute with Chase then Homary tells me that they have already "accepted" the dispute and sent the money back to Chase.

      Chase now tells me that I am not eligible for a dispute since I didn't return the items. However, Homary said that I didn't need to return the item since it is a very heavy coffee table, and it will cost too much to return a damaged item that can't be fixed.

      I need Chase to read the correspondence and process the dispute as expected by the merchant. I am not sure why this was declined.

      Business Response

      Date: 02/01/2024

      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: 02/08/2024

      Better Business Bureau:


      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 





      Regards,



      Complaint ID: 21196862




       


       


       

    • Initial Complaint

      Date:01/24/2024

      Type:Billing Issues
      Status:
      Answered
      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 am not liable for this debt with JPMCB. I do not have a contract with JPMCB, and they did not provide me with the original contract as I requested.

      Business Response

      Date: 02/14/2024

      We responded to our customer’s concerns in our letter dated February 14, 2024. To protect our customer’s privacy, we are not providing you with the
      details of our resolution. Our customer may use their discretion in sharing our
      response directly with you.

      Customer Answer

      Date: 02/21/2024

      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.
      A FRAUDULENT ACCOUNT WAS OPENED IN MY NAME. THIS IS NOT MY ACCOUNT. I ALSO HAD A PRIOR IDENTITY THEFT ISSUE AND NOW HAVE TO FILE MY TAXES USING AN IDENTITY THEFT PIN. THE COMPANY DID NOT PROVIDE ANY DOCUMENTATION SUPPORTING ITS CLAIM, OR THE ORIGINAL CONTRACT WITH THE CREDITOR, WHICH IS REQUIRED - AS THAT IS WHAT WOULD HAVE MY SIGNATURE. ALL THEY DID WAS SAY THEY INVESTIGATED AND THERE IS NO FRAUDULENT ACTIVITY. PLEASE REMOVE THE ACCOUNT FROM MY EXPERIAN AND EQUIFAX CREDIT REPORTS. THANK YOU. 



      Regards,
      Complaint ID: 21194815
       



       

      Business Response

      Date: 03/22/2024

      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:01/21/2024

      Type:Billing Issues
      Status:
      Answered
      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 continued to be billed even though these are unauthorized charges and my account has been closed for some time!
      The company does respond to my letter(s) attached and just continued to summarily bill me which I believe is dishonest!

      Business Response

      Date: 01/24/2024

      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: 02/02/2024

      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.
      I advised the company I never authorized these Fed Ex charges yet they ignored my many requests to modify the dispute to that effect and instead stuck me with the charges and have refused to ever reasonably or amicably resolve this matter
       



       

      Business Response

      Date: 02/23/2024

      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:01/20/2024

      Type:Billing Issues
      Status:
      Answered
      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 credit card company is deceptive. Their terms say that they apply your payment to the highest APR first. I had two promotional balances with 0 percent APR. I made a $5,000 payment to pay off the one that was expiring first. They applied it to the one that expires almost a year from now and will not adjust the payment. They deliberately manipulate your payments to charge your more interest. This needs fixed!

      Business Response

      Date: 02/06/2024

      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: 02/12/2024

      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 advised me that their payments go to balance transfers first. No where in their payment allocation or card member agreement do I see that. 



      Regards,
      Complaint ID: 21174271
       



       

      Business Response

      Date: 03/08/2024

      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.

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

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