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

6,367 total complaints in the last 3 years.
2,549 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:10/18/2022
Type:Product Issues
Status:
ResolvedMore 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 received a text notification on July 28 2022 that someone placed a 1000.00 fraudulent charge to my credit card. I contacted Chase Visa in a matter of minutes. The charge was removed,and I was issued a new card.
I get a text Oct.13 2022 stating that I was rebilled 1000.00 to my account. I immediately call Chase and I'm told my Fraud charges have been reversed,and now I'm responsible for the 1000.00 !
I asked how's that possible, and they said their fraud team thinks the charges were made by me ,since the crook gave them my card number , email address and my home address. I asked how did this go through since my card has a three digit security code. They said not all merchants require it for online sale ! Had the merchant required the code,the scam would have been immediately shut down.
This is insane,and definitely criminal what they're doing to me !
Business Response
Date: 12/01/2022
We responded to our
customer’s concerns during our conversation on October 18, 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.
Customer Answer
Date: 12/07/2022
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: 18238305
Initial Complaint
Date:10/13/2022
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.
On Thursday May 26th 2022 I received an offer from Chase Business Bank to apply for a credit card (Which I did) If I was approved (which I was) a 69 $ annual fee would be applied and if I spent 5,000 dollars within 3 months (eligible purchases only) I would receive 75,000 points in my Rapid Rewards with South West Airlines.
I met all criteria and was not given the points as advertised.

I called today 10/13/2022 because I was informed I had a "notice" . The notice stated that the offer was not available for card. I then spoke to the man on the other line named JC regarding sending proof of the offer. He had no email I could send the information to. I believe they NEVER intended to award anyone with the 75,000 points. I do not have money to file a suit or I would.
Business Response
Date: 11/29/2022
We responded to our
customer’s concerns during our conversation on November 29, 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:10/12/2022
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 complaint is regarding Chase Sapphire Preferred Credit card and its Ultimate rewards portal. I have been trying to book a flight itinerary for more than 3 weeks now. I have been continuously trying on the ultimate rewards travel website, I tried various itineraries and all of them during finalizing steps give me errors. For ex- "flight prices have changed, do a fresh search and book again", "this itinerary is not able, and has been removed from your cart", or simply a blank page pops up which goes nowhere. I have been complaining about this talking hour hours with Chase Ultimate rewards and they have tried to book the flights for me using their systems (both website and main frame backup) and they encounter the same issue and no one is able to help me. I was told by one of the travel advisors that the website is being updated and will be completed by the end of October and this issue has been faced by some customers. But I cannot wait till the end of
October as the flight prices are increasing day by day. I started the itineraries that I like at $1200 and now they
are close to $2000 and this is not my fault. I did my due diligence by bringing it upto the Ultimate rewards team and Card Services but no resolution has been given to me. I got the Sapphire Preferred card in the first place due to this offer where points weigh 1.25x when redeemed for travel. It's a card designed for travel benefits and I have to travel internationally that's why I got this card. I have been accumulating points for past 2 years and now when I want to redeem them I can't and customer service teams are unable to help. I would have gone with a card (freedom flex, Unlimited ) that have no annual membership fees if this was going to be the case. Therefore, I kindly request you to refund me the 2 years of annual membership fees and waive my fees for this year ($190 refund+$95 waived). I can accept the refund as Statement Credit or as Ultimate rewards points or a deposit to my bank account.
Business Response
Date: 10/20/2022
We responded to our
customer's concerns in our phone call dated October 20, 2022. To protect our
customer's privacy, we are not providing you with details of our resolution.
Our customer may use their discretion in sharing our response directly with
you.
Initial Complaint
Date:10/12/2022
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 was mislead with a false advertisement and I reached out to the company on multiple occasions. I opened up a Southwest airline credit card in partnership with Chase, the creditor in April 2022 with a promo indicating that 40,000 points can be earned within the first 3 months of $1000 in purchases. From the moment I received the email to the moment I opened up the credit card and made purchases over $1K, it had been within 2 months. After waiting patiently for an additional 3-4 months, no points were posted, I decided to give Southwest a call about the points, which who then transferred me over to Chase credit card. I spoke to a Chase call rep who indicated that he would look into the problem and escalate it to management. He mentioned that I should hear from Chase by mail within 14 business days. After waiting the 14 days and receiving nothing in the mail, I had followed up with a 2nd phone call. The call rep this time had responded that a letter had been mailed to me. However I indicated to her that nothing was ever mailed from Chase. I confirmed my address and expressed the frustration I was having. She indicated that someone in marketing will have this addressed and that a letter will be mailed again, which would be another 14 business days. After waiting again, no letter or communication had been provided. For the 3rd time, I called Chase and decided to put in a formal complaint to their complaint dept as no action had been taken from their part. I was told that I would receive a response in the mail from Chase in the next 10 business days, confirming my address on file. And again they have failed to meet all these requests and I have not been provided an answer. Last call with Chase, I was provided a complaint reference #ECW220916-01882. At this point, I have no doubt that anything will be done. I was falsely led into opening an account to enjoy the benefits promised and now I am being turned away with no help from customer service.
Business Response
Date: 11/28/2022
We
responded to our customer's concerns during our telephone call on October 20,
2022. 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:10/11/2022
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 where they showed a range for the APR (16.49-25.24%) the day I applied. However, during and after applying, I found out they gave me an APR higher than the range showcased online and tried to exit the application. Unfortunately, the application apparently processed already and I was stuck with a 25.99% rate.

Once I brought it to there Chase's attention, they adjusted their website content to reflect the new APR they provided me which was a 25.99%. If you view their website now, if showcases the range 17.49% - 25.99%. However, at the time of applying (attachment "Chase-CC-APR-Range-Time-Of-Applying.png") it showcases a different range.

I have reached out to Chase and they will not fix the rate for my credit card. All I was hoping for was a justified interest rate. It felt like they didn't factor anything and gave me the highest possible rate they could, which actually exceeded the range showcased on their website at the time.

I have various chats with them as well if I need to provide those I can.
Business Response
Date: 10/19/2022
We responded to our customer's concerns
during our telephone call on October 18, 2022. 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.
Customer Answer
Date: 10/19/2022
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 don't see how this could have been addressed by Chase when we didn't even speak on that date. Chase called, but I have no idea what the call was for since I missed it and they didn't leave any voicemail or call back number. When I tried to call back the number, it put me to their customer service department automated menu system for banking customer service. I am failing to see how they tried to resolve the matter when we never even spoke. Honestly, I am not surprised they don't want to provide the call details because it NEVER happened so they wouldn't have anything to provide. Completely, dishonest of Chase.
**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: 18196660

Business Response
Date: 10/27/2022
We responded
to our customer's concerns during our telephone call on October 27, 2022. 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:10/09/2022
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 a complaint against JP Morgan Chase Bank. I have a Chase Freedom Credit card with Chase Bank. I have linked this card to my venmo app account to pay for services. I have used this form of paying for services for several months "without" a cash advance fee or any other fee applied to my Chase account. A few transaction dates of charges from Venmo to my Chase account without any cash advance fees: 8/3/22, 8/16/22,8/18/22. On 8/30/22 a venmo transaction was applied to my Chase account as a cash advance. On 8/31/22 a $10.00 transaction fee was charged to my account. They also charge interest on a cash advance fee. There were tow transaction where I was charged the $10.00 fee. I called Chase to have this explained to me but they only explained the cash advance terms. The customer service agent did refund the one $10.00 fee. I have paid the same merchant from venmo for several months with no cash advance fee. I told the agent it was not a cash advance it was purchase. The agent from Chase told me it was the way Venmo was charging the transaction. I called Venmo and they said it was the credit card charging me the cash advance fee. I would like to know why Chase started charging me a cash advance fee. I would like to use Venmo and this card. I will not use this card if they continue charging me a cash advance fee for a purchase. If this is not resolved I will cancel this card. I have noticed they do not have good reviews.
Business Response
Date: 12/08/2022
We responded to their concerns in writing with our letter dated December 8, 2022. To protect their privacy, we are unable to give you a copy of the letter. They may choose to share the response with you.
Initial Complaint
Date:10/08/2022
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.
On 9/30/22 I went to Chase Bank @ 2866 W March Ln Stockton, CA and requested that my 96,406 reward points from my Chase Freedom credit card be redeemed as cash back and the $964 be deposited to my savings acct. I was provided a receipt and received a confirmation email that the transaction would be completed by 10/03/22. TO DATE STILL NO DEPOSIT. The points have also been redeemed from my CC. I have returned to the branch, and no one will tell me why I have not received a credit or when I will be credited. I have redeemed my point in the past in the same manner and amount with no issues. I have also contacted their credit card dept, still no answers and no idea of when this will be resolved. As a retired senior this has been a most stressful situation and no one at Chase cares at all. I requested that the manager lodge a complaint on my behalf. She did and I was told they would contact me. No one has contacted me still after 6 days. Please help.
Business Response
Date: 10/20/2022
We responded to our
customer’s concerns in our letter dated October 20, 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:10/06/2022
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.
Wrongful Damage To Credit. Chase did knowingly and willfully damage my credit with 2 false derogatory items for more than 1 year. The Chase executive office absolutely admitted fault, and then later decided to deny that they did anything wrong, when in fact they most definitely had the expertise to fix the problem immediately, as they most definitely have a direct connection with the credit reporting agency. This damage brought my credit score to a lower tier hindering my obtaining an auto loan for medically necessary transportation.
Business Response
Date: 11/02/2022
We responded to our customer's concerns
during our telephone call on November 1, 2022. 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.
Customer Answer
Date: 11/02/2022
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 person at Chase who responded did not even review the case whatsoever, had no knowledge of it, and routinely denied the claim, even though Chase previously admitted fault and it was proven that Chase had the ability to correct the situation immediately. However Chase caused me damage for more than one year and my claim for restitution stands.

Regards,
Complaint ID: 18177127

Business Response
Date: 11/10/2022
We responded to our
customer’s concerns in our letter dated November 10, 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:10/06/2022
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 was a victim of a sophisticated credit card scam ran by a local business named Buck's Cabaret in Fort Worth, Tx. on 05/23/2020. They unknowingly charged me $6,726.72 cumulatively with 3 charges from "2345 MEACHAM LLC". One charge was at 1:08 AM for $1,722.24, one at 1:47 AM for $3,444.48, and another at an unknown time for $1,560.00. The employee at the establishment had access to my phone and credit cards, as detailed in a police report that I filed against the establishment. There were charges made to other credit cards for $4,002.72 during the same occurrence, which was returned by those 2 financial institutions in recognition that the charges were fraudulent. I disputed the charges associated with Chase Bank multiple times. They denied fraud because I was present during the fraudulent charges. The signatures on the receipts that Chase Bank provided are not mine, and do not match my driver's license. Many of the overall charges took place within minutes of each other. There are many reviews from other victims of the same scam whose accounts are similar to mine that can be found on review websites such as Yelp. I feel that Chase bank refuses to accept the fact that this a real problem and that the business in question is running a sophisticated credit card scam at more than one of their locations. The management of the unscrupulous business is aware and part of the scam. Chase sued me to collect $8,581.54 and they were unable to provide the appropriate documentation, so they filed a non-suit on 08/01/2022 without discrimination which enables them to keep it on my credit report. My credit report is flawless, with not even a single late payment in 7 years on numerous accounts, barring this one account which I refuse to pay because I should not be held liable. I feel I have more than sufficient evidence that stands in my favor which they refuse to look at. I am only asking that it be removed from my credit report, which will not harm Chase Bank in any way.
Business Response
Date: 11/02/2022
We responded to our customer in our letter dated November 2, 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.
Customer Answer
Date: 11/10/2022
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 Bank refuses to acknowledge the obvious facts. The entertainers at the fraudulent business gained access to my wallet and phone. Chase's response that the business had my Driver's License and that I received services from the business does not address the fact that they overcharged and ran several of my cards numerous times without my awareness or authorization. To ignore the fact that this has been happening to many of the patrons at the fraudulent business in question is irresponsible and greedy. It is evident when you do your due diligence and look at all the existing reviews of the business and their locations in DFW. The business has numerous complaints from customers that had the same experience as my that can be found on Google and Yelp, some of which have been hidden, but can still be seen if you enable that feature. It should not be hard to believe that this happened by any stretch of the imagination. The other 2 card issuers that were affected by the same fraud, at the same time, during the same fraudulent event returned my money. The fact that Chase Bank couldn't supply what was requested by the judge and dropped the suit speaks volumes. I refuse to pay any amount towards any settlement of these fraudulent charges. I will continue for the remaining time of the statute of limitations to do everything in my power to fight these charges in every way possible and let everyone know how Chase Bank does business and how they treat their customers. I will go very far out of my way as I already have been, to make sure that I let everyone in life and online know about my experience with Chase Bank until justice is served and it is no longer on my credit report. I will write reviews and open cases and disputes endlessly and tirelessly. The charges are fraudulent!!!!

Regards,
Complaint ID: 18176354

Business Response
Date: 11/22/2022
We responded to our customer’s concerns in our letter
dated November 2, 2022. We understand that our customer is not satisfied with
our response, but without new information to review, our decision will not
change.
Initial Complaint
Date:10/05/2022
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 upgraded my chase freedom credit card to sapphire preferred on May after I saw a 80000 bonus point promotion online. I was not sure if I will be eligible for the promotion, so I called the customer service and asked if I upgrade my freedom to sapphire, will I get the promotion points and the answer was yes and then I upgraded the card on the phone immediately because I believe that is a great deal. After 3 month spending way more than 4000 dollars with the card, I was still not getting the agreed promotion points, so I called customer service last month to confirm and I was told that promotion is for new customer and upgrade the card will not be eligible, so I will not get that points. I argued that the reason I upgraded my card is because one of you told me I was eligible for the points. I was expecting more explanation, but nothing more was given. The credit card is great and I am using it for my daily expense. My question is why should I take the responsibility for the mistake from chase customer service representative.
Business Response
Date: 10/11/2022
We responded to our
customer’s concerns during our conversation on October 10, 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.
Customer Answer
Date: 10/20/2022
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 did receive the call from the business. They told me they reviewed the recorded call and the customer representative did read the agreement to me on the phone. I was telling her that I was not following those information since it is difficult to understand and the only thing I cared about is am I eligible or not, so after she read the agreement, I asked the question to confirm will I be eligible to get promotional points or not and the answer is yes. That is the reason I upgraded my card. However, the person who called me is telling me since the customer representative has read the agreement, I will not be eligible for the points. I was off and asked her why I should take responsibility when your employee provided false information to me, but she kept telling me that she did read the agreement. I do not care what she read to me. Her answer of my question is yes.

Overall, I am not satisfied with the feedback business provided to me. They still owe me an apology as least.

Regards,

Complaint ID: 18173306

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JPMorgan Chase Credit Card is NOT a BBB Accredited Business.