We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

JPMorgan Chase Credit Card

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

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

Find a Location

JPMorgan Chase Credit Card has 304 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 6,386 total complaints in the last 3 years.
    • 2,544 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:12/19/2023

      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.
      The bank is reporting false dates on 3 credit card accounts. They are reporting a year late. They became delinquent in 2017 not 2018. This inaccurate information is effecting my employment.

      Business Response

      Date: 01/04/2024

      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: 01/17/2024

      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.

      Regards,


      Complaint ID: 21028062


       



       


       

      Business Response

      Date: 02/02/2024

      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:12/16/2023

      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 I have a United Explorer Milage Plus credit card, ending in 3171. Mileage Plus # YFG01661. I was not notified that a yearly fee of $95 would apply because I didn't sign up for email notifications for my account. I have not used my card in the last 9 months, I only used it once. I am a senior citizen and feel that predatory credit practices have been utilized against me. I want the $95 taken off and credited to my account. I am on the phone now to cancel this account.

      Business Response

      Date: 12/21/2023

      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: 01/04/2024

      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: 21014915




       


       


       

    • Initial Complaint

      Date:12/05/2023

      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.
      On November 21st- 24th I used my Chase Sapphire Reserve points to book a hotel at the Sonesta Hotels and Resorts in Redondo Beach, CA. According to the terms and conditions of my stay (Trip ID# ******J94) parking and breakfast were supposed to be included. The hotel still charged me $99 for parking in addition to $127.67 for breakfast for my spouse and I (attached). After an unsuccessful attempt for a refund with the hotel itself, I decided to contact Chase Sapphire Reserve services for either a refund on my credit card or points. I called on November 30th, and spoke with “***” at Chase. After 11 minutes on the phone with her in which I explained the situation, she attempted transfer me to a different number/department, when she abruptly hung up on me. I never received a call back. I called back again requesting to get in touch with a supervisor and I spoke with “******.” After a 32 minute conversation with him, the same EXACT thing happened. He tried to transfer me again, and the call disconnected. No call back and no confirmation of a case #. I would like 1) to receive a call from an EXECUTIVE from their resolution team answering some questions like why was I never called back or more specifically, why does Chase not have a process in place for calling back customers after an accidental disconnect?! Why did neither *** nor ****** create a case for me and notify me through ANY means available that the situation is being looked at?! Why does in take a Better Business Bureau complaint to get Chase’s attention and compel them to do their jobs?! 2) I would like a refund in the total amount of $226.67 placed back on my card for the parking and breakfast I paid for that was supposed to have been included in my contract.

      Business Response

      Date: 12/15/2023

      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: 12/22/2023

      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 gentleman from Chase/JP Morgan executive resolution team called me on December 15th. He advised me that they would provide me with compensation in the form of points, but only for my breakfast buffet...not for parking. I informed him that this was completely UNACCEPTABLE as my confirmation from Chase for the hotel reservation VERY CLEARLY states:"We have included ALL charges provided to us by the property. Fee for buffet breakfast: approximately USD 20-33 per person. Covered self parking fee: USD per night (in/out privileges)." (See attached document).This is not even CLOSE to a "gray area." Chase/JP Morgan is BLATANTLY and SHAMEFULLY disregarding their own contract and literally making me pay the price. Furthermore, I never received any explanation or an apology for the substandard customer service with regards to their dropped calls. Regards,
      Complaint ID: 20964137
       



       

      Business Response

      Date: 01/05/2024

      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:11/30/2023

      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 opened a personal credit card with Chase and eventually a business account with Chase. The system failed to recognize the personal account anymore and only showed my business account. I attempted to close all accounts. Everytime I logged in the, with whatever id, I was always taken to the business section. Which showed no open accounts. Two years later the "annual" fee for the personal card was asscessed and I began receiving notifications that I had missed payments. For an account that I thought was closed, two years prior.

      I called into Chase and with the agent's help, was able to sort the portal errors (on chase's end) to show both my business and personal accounts. After which, the agent nicely said they would close the account and wave all the fees and charges. Due to Chase's website error. A month later I am still receiving past due notifications and they have made a report on my credit.

      Now upon calling in, they will not wave any of the balances and state that I still owe for their system error. Even though the previous agent said the account was closed and all balances were wiped away.

      Business Response

      Date: 12/28/2023

      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:11/28/2023

      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.
      In June of this year, I applied for a visa/chase prime card on the Amazon web site. To my knowledge, I provided all the correct information about myself, including the correct spelling of my name, ****** * ******. When I received my credit card in the mail, I realized that the name on the card was mispelled as ****** when it should have read ******. Not long after receiving the card, I called the number on the back of the card, a Chase number, and I explained the situation. They said they could fix the problem if I filled out a form stating that I legally changed my name. I was unwilling to do this fearing possible negative implications regarding my credit report, not to mention falsifying information on a credit form because I had not changed my name. This was an error on their part and they are unwilling to fix the problem unless I fill out this form. I am already experiencing negative credit implications on my credit report due to this problem. I again tried to contact Chase today, 11/27/23, in hopes they might make the correction without the use of the form mentioned above, but again they are unwilling to help me.

      Business Response

      Date: 12/19/2023

      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: 12/19/2023

      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.

      They want me to fill out a legal name change form.  I am sorry, but I do not accept this because it suggests that I have changed my name on purpose when this was a simple error on an online application.  It makes no sense because when I submitted the applicaiton online, I gave my social security number, and my name on my s.s card says ****** ** ******* *** ******.  I have other accounts with this bank with the last name ******.  I would like it if they please send me a new card with the correct name on it.

      Thank You,


       

       


      **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: 20920971


       



       


       

      Business Response

      Date: 01/31/2024

      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:11/16/2023

      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 was overcharged for a product in Dona Ella cosmetic store, and I have already filed that claim to you, this claim is about Chase Bank, I called them to reverse the transaction since I was forced to pay in the store, in Chase they said they believe the merchant and are not willing to reverse credit card transaction and started charging me with interest. Please give me a call so I can explain all the detail so you can reach out to Chase, I am in a very bad position now. I was overcharged for 42,758 USD

      Business Response

      Date: 11/20/2023

      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:11/15/2023

      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 moved my credit cards to Chase Bank based on their advertising that I could transfer my points to airline miles with the Chase Sapphire credit card instantaneously. However, on my very first transfer of points to miles (Iberia), this did not happen. My transfer of 68,000 points (worth $680 in cash back) is currently stuck in a "pending request" which has proven to be in fact a black hole at Chase. And nobody at Chase will help resolve the issue after 3 business days of waiting. So I have 68,000 points I would like to move elsewhere instead or get refunded back to my account since the first transfer is "stuck", but Chase representatives refuse to help me with any possible outcome. After contacting Chase customer service three times and Iberia three times, no progress was made with my request. I have sent 4 messages to Chase internally pleading for assistance, but no help was given. Chase continues to tell me I have to wait up to 7 business days even though their advertising promotes that transfers are instantaneous. Nobody at Chase would help, and I was simply told I had wait for the points transfer to take place and that the black hole would open so the points would be transferred. The fact that the seats for the flights that I was trying to book with the points transfer would likely be gone when Chase got around to transferring the points seemed completely unimportant to the all of Chase's representatives I have talked to. I have spent hours on the phone trying to solve their problems for them, only to be told time and time again they won't help me. I am sure there is someone at Chase who could help execute my requested transfer, but all 3 customer service representatives basically told me I was stuck and that their computer system would determine when the transfer from the black hole will actually happen, if ever. I hope this review results in a down grading, a significant one, of Chase's standing and rating at the BBB.

      Business Response

      Date: 11/28/2023

      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: 12/05/2023

      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: 20875801




       


       


       

    • Initial Complaint

      Date:11/14/2023

      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.
      On June 9th 2023 I booked a reservation for two rooms at Hyatt Ziva Jamaica Resort for travel Aug 31-Sept 4th. On August 8th my credit card was charged two separate transactions each totaling $2768 for a combined total of $5536. One of which I thought was a duplicate transaction and as I result I opened a dispute to have it corrected. My account was temporarily credited and I called Chase that same day to cancel said dispute, having verified the transaction. The temporary credit was then removed from my acct on 08/10 and I received a letter on 08/11 stating that the dispute was closed. On 08/11 I also cancelled my reservation with Hyatt.

      Upon August 28th I was still not refunded by Hyatt for my cancelled reservation. I was able to open a dispute for a refund on one of the transactions. However, the other transaction required customer service since that transaction was the one that was previously disputed. After multiple called to Chase dispute center I was told by one representative on September 5th to put my request in writing and to submit via secure messages on chase website. I did as was directed and aside from an automated response, I received no further response or follow up from the company.

      On Oct 11th my account was credited/refunded for the one transaction that I successfully disputed and as a result that dispute was closed. Thus, leaving my account with a balance of $2768 remaining. I continued to call chase dispute center as I struggled to get a representative to open a dispute on the second transaction and my account was now charged a late fee for said transaction. Finally Oct 17th a representative opened the dispute. On Nov 7th I received a call asking for supporting documents to aid my dispute. I submitted documentation of my reservation and cancellation. Now I am being told my account will not be refunded and there is nothing Chase can do. In the meanwhile, I have called the merchant who has informed me that all funds were paid over to chase.

      Business Response

      Date: 12/07/2023

      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: 12/07/2023

      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: 20871021




       


       


       

    • Initial Complaint

      Date:11/13/2023

      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.
      The Chase app mysteriously removed all of the pre-approved offers, which were listed. This prompted me to consider that a refresh in the system was taking place, as the offers were still available in the Marriott app. After applying, an approval was not granted. This causes one to consider that, for some reason, you were no longer actually extending these offers to me, and a breakup in communication, causing Marriott to not show that I was no longe reliable, took place. As such, I now have an additional inquiry on my credit report. Not long ago, a credit matching site was revisited by the FTC for purporting that offers were available when in reality they were not.

      Words cannot describe how much I value my relationship with Chase and I am greatly saddened by what I am experiencing. All that I am requesting, at this point, is that the hard inquiry be removed from the CRA’s. This is permitted, under the “good faith” category, without admitting to anything else.

      Kindly look into this at your earliest convenience.

      Business Response

      Date: 12/13/2023

      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: 12/13/2023

      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.Prevailing industry practices have allowed for other institutions to be open and forthcoming with BBB complaints. Clear and decisive answers are addressed via catch-all responses of matters being “internal” or “provided by the system.” What is lost here, is that I have been banking with Chase since it was Great Western Bank and value the relationship to the extent that I want only to bring forth the best qualities  in the bank. Reaching out to the Underwriting Department, I was advised that a filed complaint  would only be replied to, in the event Chase needed more information. There was no mission here to get back to me and provide an answer. This division is less prone to receiving direct customer inquiries and is less structured for customer resolution, which promotes limited customer service.
      **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: 20861441
       



       

      Business Response

      Date: 01/10/2024

      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:11/12/2023

      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.
      On my billing statement dated 08/23/2023, under the section "Interest Charges", it shows a promotional balance at a 0% APR with expiration date 10/23/23.

      I received the next billing statement on (or around) 10/09/23. The statement was dated 10/02/2023. However, it showed a new expiration date 10/02/2023 for the promotional balance.

      I was not notified earlier that Chase would change the expiration date to 10/02/2023 (until I received the statement around 10/09/23).

      As soon as I received the statement showing the new expiration date 10/02/2023 for the promotional balance, I paid off the entire
      balance immediately (on 10/09/23).

      Had I known by 10/02/23 that Chase changed the expiration date to 10/02/23, I would have paid off the entire balance earlier by 10/02/23, therefore avoiding any interest charge.

      On 11/02/23, I was charged interest in the amount of $90.17, associated with the expiration of the promotional APR for the balance.

      I contacted Chase Card Services about this issue, but Chase Card Services did not refund the interest charge, saying: "If you change your payment due date, the date your promotional rate ends also changes." However, when I requested to change my payment due date, I was not notified by Chase of the new expiration date or of the new statement cycle end date. In fact, the statement cycle end state was showing as the 23rd of each month on chase.com for many days after I requested to change my payment due date. A reasonable customer would not be able to know the new statement cycle end date (which Chase uses to determine the promotional APR expiration date) until Chase already started charging interest, and therefore, Chase's failure to timely notify caused the interest charge.

      Given that a reasonable customer would be confused by Chase changing the expiration date and not notifying the customer timely, I am requesting that the interest charge $90.17 be waived or refunded.

      This request is for my Chase Freedom Flex Card ending in 3528.

      Business Response

      Date: 11/24/2023

      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: 12/01/2023

      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.
      Chase's response (via a voicemail) did not address the main concern, which is that I was not notified by Chase of the new APR expiration date or of the new statement cycle end date. Moreover, I had no reasonable way to know what the new APR expiration date or the new statement cycle end date would be, until I received the new statement around 10/09/2023. Therefore, I believe that a reasonable person (and the Consumer Financial Protection Bureau) would agree that a customer should not be charged interest until the customer has received from Chase a sufficient disclosure of the loan term and the revised date on which a promotional APR expires. In this case, I did not receive the revised expiration date (which turned out to be 10/02/2023) until 10/09/2023, and therefore I am still requesting that the interest charge $90.17 be waived or refunded.
      Regards,
      Complaint ID: 20860256
       



       

      Business Response

      Date: 12/21/2023

      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.

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.