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Business Profile

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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.
    • 2,544 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/02/2023

      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 am a documented victim of identity theft. My mortgage company had a breach and all of my personal account information (SSN, driver's license, all protected info) was stolen. During this time, an individual stole my mail, diverting all of my physical mail to an address in PA (I live in FL). They opened a fraudulent JP Chase Credit card account in my name. The individual then charged almost $10,000 to this fraudulent credit JP Chase Credit card - for "Intensive Therapy." [A fraudulent business which listed my name and my home address as the place of business, billed me on invoice #1, for a credit card opened the day before, for one session of therapy totaling close to $10k at my home address.] The invoice is fraud, the account is fraud, and the charges are fraud. However, JP Chase Credit company will not resolve the dispute of transaction, claiming I requested the card and set up the card using my phone. I have provided Chase with documentation from the US Postal Service that my mail was being stolen. I have provided Chase with phone records that I did not make a call to activate the card as they state. They are still denying and saying I made the charges. I get a canned response, a two line letter saying that they did a review and the charges are valid. I have provided packets of documentation showing the contrary. I am a documented victim of identity theft. I cannot get anyone from Chase to resolve this issue. I am now being held liable for these fraudulent charges because of Chase's incompetence, it's failure to protect its customers, and its violation of Merchant Bill of Rights. I have provided information that my identity was stolen (through my mortgage lender breach - letter attached), a copy of a police report (attached that showed my home address was changed, and I was a victim of identity theft), and provided all relevant information, as well a fake business receipt. Still, I am on the hook for this money and have received zero help or support from Chase.

      Business Response

      Date: 02/01/2023

      We responded to our customer in our letter dated February 1, 2022. To protect our customer's privacy, we are not providing you with a copy of the letter. Our customer may use their discretion in sharing our response directly with you

    • Initial Complaint

      Date:12/31/2022

      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 sent Chase messages in their secure message center to file two disputes for me. This was the same month as the charges. I received messages back telling me they were working on the disputes and to not contact them. After months with no response I reached out two more times to ask for updates. After the second attempt to get an update they told me too much time had passed to file a dispute. ??? I asked for the disputes to be filed the month of the charges and was told they were working on them. They were clearly NOT working on them. They only looked into them after months had passed and I had to ask for updates even though I was asked not to. I was lied to and am now told it's too late to file the disputes. The charges totaled 920.00

      Business Response

      Date: 01/10/2023

      We responded
      to our customer's concerns during our telephone call on January 10, 2023. To
      protect our customer's privacy, we are not providing you with a copy of any
      details of our resolution. Our customer may use
      their discretion in sharing our response directly
      with you.

    • Initial Complaint

      Date:12/30/2022

      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 researching credit cards I came across the Chase Sapphire Reserve card which offered $0 in fees or interest for the first pay over time MyChasePlan that you create with them before 12/31/22 advertised on the Chase home page (screenshot attached). However, when I went to test the MyChasePlan by trying to create a plan it was still showing a monthly fee that would be applied.
      - October 24: I called customer service to ask why fees were being applied and they assured me that this was a mistake and that if I go ahead and set up the plan with fees that the fees would be removed later. This sounded suspicious and I told them that. So the customer service rep checked with his supervisor and both confirmed that as long as I had a screenshot of the original promotion (attached) that they could make the changes after the fact.
      So I went ahead and created MyChasePlan of $4671 but fees were still being applied ($37.35 per month for the next 18 months, totaling $672.3, or an additional 14% onto the original purchase price). Several days pass and the fees are never modified.
      - November 28: Customer service called and advised to send screenshot through secure messenger. I get the runaround for over a week.
      - December 2: Speak directly with supervisor who apologizes, confirms my eligibility, and files escalation claim.
      - December 15: First letter received denying escalation claim. Second claim filed by Supervisor Toby with escalation number ECW221215-04105.
      - December 30: Second letter denying escalation claim

      I would like a resolution to this matter as this entire situation seems fraudulent. I was falsely offered a promotion to prompt me to open a card with Chase and even after multiple customer service reps confirming that I was eligible for the offer have continued to get the runaround and have been paying additional fees which I was assured would not apply.

      (Brevity due to character restrictions. Please see the attached word document for further details.)

      Business Response

      Date: 01/18/2023

      We responded to our customer's concerns
      during our telephone call on January 18, 2023. To protect our customer's privacy, we are not
      providing you with a copy of any details of our resolution. Our customer may
      use their discretion in sharing our response directly
      with you.

    • Initial Complaint

      Date:12/29/2022

      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 followed the instructions to receive 10x ultimate rewards points for dining at a restaurant provided by the Chase Sapphire Reserve credit card website through Tock. There was no option to prepay for the dining. I contacted Chase to let them know about the issue. Chase sent me a letter stating that the transaction did not qualify for the additional rewards points. In the letter there are two things that must be done in order to qualify, I did both.

      Business Response

      Date: 01/18/2023

      We responded to our customer's concerns
      during our telephone call on January 18, 2023. To protect our customer's privacy, we are not
      providing you with a copy of any details of our resolution. Our customer may
      use their discretion in sharing our response directly
      with you.

    • Initial Complaint

      Date:12/27/2022

      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 paid my large JPMC credit card bill in full on 12/23. When I woke up on 12/27, JPMC had charged me interest $275 through 1/23. I called this morning and spoke with a supervisor. They told me too bad. This fee is predatory and I would like it waived. I also want to give proper attention to this company’s
      Predatory practices.

      Business Response

      Date: 12/30/2022

      We responded to our customer’s concerns in our letter dated December 30, 2022. 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:12/23/2022

      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’m writing to report a case of fraud with Chase bank. There are fraudulent charges on my Chase Freedom credit card account from April 2022 and Chase refuses to correct the problem.

      The charges to my account are linked to a corrupt rental car company from Brazil that I unfortunately did business with in November of 2021 while visiting the country. All payments to the rental car company were completed and finalized on December 11, 2021. However, the car company continued to charge my card without consent and Chase permitted it.

      On April 21st, 2022, I was notified by the Chase “fraud alert” via email of irregular charges to my account. I called Chase and DECLINED consent for the charges. Chase acknowledged and agreed with my request at the time by removing the charges and issuing new credit cards with new numbers. I also had a balance of $0 on my account in April 2022.

      On June 19th 2022, the fraudulent charges of $510.97 were reapplied to my account without warning or notice. The charges lead to a “late-payment” remark on my credit report for September 2022. I lost approximately 118 points from my credit score because of this “late-payment” remark. After taking some time to investigate the situation, I learned that Chase allowed the car company to submit FALSIFIED documents/contracts to force charges to my account, even though I already told them not to charge my account in April. Chase did not verify that the documents were valid and authentic before processing. They were more eager to charge bank fees. Chase allowed the merchant to essentially write a fake check.

      I’ve enclosed the following documents for this case:
      (1) A copy of the fraud alert in April 2022
      (2) A copy of the falsified contract processed by Chase
      (3) A copy of the original contract that I signed and credit card transaction records
      (4) A copy of my Experian credit report

      Business Response

      Date: 01/11/2023

      We responded to our
      customer’s concerns in our letter dated January 11, 2023. 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: 01/30/2023

      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.
      **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.

      Hello,I'm writing to inform you that the case has not been resolved. Chase has not fixed the problem. In their response, they did not address the following issues :1) they did not acknowledge that the contract has no provisions that permit the merchant to continue charging the card 4 to 6 months after check out.2) they continue to justify the charges with no evidence. they make claims for tickets, but neither Chase or the merchant provide evidence/receipts of actually paying ALL the alleged tickets. There is also no evidence for the alleged violations.3) Chase is whole heartedly defending billing fraud as 'billing error'. They say I have E-pass charges, but they don't provide receipts. And there is no E Pass in Brasil. You must pay tolls manually there. If you Google 'E Pass Brasil' , there are no results for it because it doesn't exist. Chase is blatantly demonstrating that they have no idea what they charged my account with.4) They tell me I should seek reimbursement from the merchant, but why should I spend money and resources opening a case in Brazil? I didn't authorize the charges. Chase did. Even though they already agreed not to charge my card in April 2022.5) They also didn't acknowledge that they already agreed to fix my credit report when I made a payment on September 12, 2022 for $136. I initially had a 'late-payment' remark for August of 2022. They removed the 'late-payment' remark for August. But when October arrived, they put the late-payment remark back on my report for September 2022.I am currently gathering more real information on the matter. I have also attached their response from the CFPB.


      Regards,
      Complaint ID: 18634753
       



       

      Business Response

      Date: 02/09/2023

      We responded to our customer's concerns by
      phone on February 9, 2023. To protect our customer's privacy, we are not
      providing you with a copy of any details of our resolution. Our customer may
      use their discretion in sharing our response directly
      with you.

    • Initial Complaint

      Date:12/21/2022

      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 we booked a flight from BWI to Charlotte to Aruba for 12/25-12/30 using Chase Travel to use some points to cover the cost of the airfare, on 11/18/2022 I recieved an email I needed to contact them ASAP. I contacted them immediatly and was informed my flight was no longer available they would try and book another flight for me but I would have to cover the cost difference (I could not afford this it was astronomical being around Christmas time, one of the reasons I booked in June) 8 other family members remained on the new flight that was redirected BWI-Miami-Aruba 12/25 and they were never notified because everything was fine. Someone obviosly made an error with My Husband/daughter and myself rebooking. I was panicking because they were no help so I had to book on another airline and for the day before so now I had to pay for another nights hotel. (this trip was planned a year ago for 20of us to go to Aruba and spend Christmas together from other areas of the state. After days of arguing with them I asked for a refund for the original 12/25 flight while on the phone they tell me since this was a 'roundtrip" when booking they have to also cancel my return flight on 12/30 BUT they can rebook me on the same flight BUT I have to pay the current price which again was unafforable. I had to make arrangements with another airline to get home on 12/30. They refunded me what I originally paid when booking this BUT NOTHING ELSE. This error was made through Chase Travel partners named Loyalty Travel (when you book you book through Chase) I was connected through Twitter with Chase and American Airlines to try and get information. I was informed that someone name "Ta Chai" through Chase Loyalty Travel cancelled my flight and did not rebook. At this point I have spent roundtrip 4037.68 in airfare and 788.31 ( in points) my original flight cost was 2005.80 (they did return this to me in how I was paid). All i asked was for them to make this RIGHT.

      Business Response

      Date: 01/05/2023

      We responded to our customer’s concerns
      with our letter dated January 5, 2023. To protect our customer’s
      privacy, we are not providing you with any details of our letter. Our
      customer may use their discretion in sharing our response directly with you.

    • Initial Complaint

      Date:12/20/2022

      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.
      Chase is a fraud! I fell on financial hard times after catching Covid and being off work. So I wasn’t able to make my full payments. I spoke to chase bank I told them I could not make a full payment at that time the rep ask if I could make a payment to get it under the 3049 balance. I told her I could pay 50. Which I did. The rep asked me when I could make the past due payment. I told her I could pay the total past due on 12/21. She said she noted my account. On 12/20 I receive an email at 732pm telling my my account is closed. I called and was told that although I wasn’t notified of the pending closure by the rep it’s nothing that could be done. Why set an arrangement with me if you wasn’t going to follow through with it. Had I been notified that it was pending closure I would’ve put my pride aside and borrowed money to pay it. Now my credit is affected and all chase can say to me is “we apologize for not properly informing you but nothing can be done” why do I have to be penalized because chase did not inform me of a pending closure smh stay away from chase. As you can see from my attachment I received no notification until today!

      Business Response

      Date: 12/28/2022

      We responded
      to our customer’s concerns in our letter dated December 28, 2022. 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:12/19/2022

      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 sent this Complaint to notify you that this account (JPMCB CARD- 41474002****) is reporting inaccurate You need to put in a request to Transunion, Equifax and Experian for this account to be removed from my report. I also provided the exact reasons and PROOF directly from my credit report with details on why this is inaccurate and against my federal credit reporting act (FCRA) RIGHTS.


      How can there be different years and dates listed in the date of last activity and date last reported section? This is the date that stipulates when my account will naturally fall off! This is a clear FCRA violation See ATTACHED DOCUMENTATION

      After reading up on the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I realized you are in violation of these set regulations that you are required to follow. You are required to report only truly accurate and completely validated information.

      Business Response

      Date: 01/23/2023

      We responded to our
      customer's concerns in our letter dated January 23, 2023. To protect our customer's privacy, we are not providing you
      with a copy of our letter/any details of our conversation. Our customer may use their discretion in sharing our
      response directly with you.

    • Initial Complaint

      Date:12/16/2022

      Type:Customer Service 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.
      Account number ************XXXXPursuant 15 USC §1681a 2(A)(i) – EXCLUSIONS- Except as provided in paragraph (3), the term “consumer report” does not include— (A)subject to section 1681s–3 of this title, any— (i)report containing information solely as to transactions or experiences between the consumer and the person making the report; THE LAW CLEARLY STATES: Transactions or Experiences between the consumer (ME) and the person (JPMCB CARD) Making the report is NOT INCLUDED on my Consumer report! Utilization and negative payment history is an experience with the line of credit that was extended between the consumer (ME) and the person (JPMCB CARD). CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! JPMCB CARD HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience (Negative payment history and Utilization) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 15 U.S.C 1681 section 602 A states I have a right to privacy. JPMCB CARD has violated My right to privacy by furnishing this information. I demand JPMCB CARD stop Violating My rights and make above corrections to My Experian, Transunion and Equifax Consumer reports!

      Business Response

      Date: 01/12/2023

      We responded to
      our customer's concerns by letter on January 12, 2023. 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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