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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

    • 6,363 total complaints in the last 3 years.
    • 2,536 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:08/31/2022

      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.
      There was no document (stating reason of denial) sent to me after 7 business days after card application was denied! This company does nothing but lie!

      Business Response

      Date: 09/01/2022

      We responded to our customer's concerns
      during our telephone call on September 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: 09/28/2022

      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.



      This bank needs to stop lying and send me the letter stating when I can apply for a credit card without them auto-denying my application due to too many applications/chase cards within past two years!

      Regards,
      Complaint ID:

      Business Response

      Date: 10/10/2022

      We responded to our customer’s concerns in our letter dated 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.

    • Initial Complaint

      Date:08/29/2022

      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 am a credit card holder of Chase. On April 7, 2021, I placed an order for 2 cell phone service sim cards with a company called "Prepaid Masters" on their website "PrepaidMasters.com" and email address "[email protected], and an address in Chino, CA 91710. I received the sim cards but they were fakes. Cannot work for phone service. A couple of months later as I was reviewing my Chase credit card online billing I noticed a charge on my account for $113.41 to Red Pocket Mobile and an $898.21 to AT&T Bill Payment. I immediately contact Chase and filed a fraudulent use of my card by Prepaid Masters. I was not sure if it was Prepaid Master but it was obvious that the fraudulent chargers were made the same time I did a transaction with Prepaid Masters. I contacted Prepaid Masters about the fraudulent charges on my card but they will not respond to my emails or calls. Chase would not respond to my email or the fraudulent claims I submitted either. After about two months Chase began calling me and I explained to them what happened to my card. They sent me papers to fill out and resubmitted for the fraudulent claim. After another month on August 22, 2022, they canceled the card, issued me a new card, and promised that $1011.62 will be credited back to the new card. On August 29, 2022, I received a letter from Chase stating that they have refunded to my account the $113.41 but that they cannot refund the $898.21 because AT&T claims that the charge is valid.

      I explained to them during the investigation that I never had an AT&T Bill Payment account. I also explained to them that it has to be Prepaid Masters or one of their employees used my card to pay a bill at AT&T Bill Payment and Red Pocket Mobile because the charges took placed on the very same time I gave them access to my card for the Red Pocket Sim card and the AT&T Sim card. I placed my order on 4/7/2022 and the fraudulent charges were made on 4//8/2022. No one else had access to my card.

      Business Response

      Date: 09/26/2022

      We responded to our customer's concerns
      during our telephone call on September 26, 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:08/29/2022

      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.
      Incident date: July 3rd,2022
      Claim type: Trip Cancellation/interruption
      Claim number: 0008342511
      Name: Shadia Islam
      I purchased a round trip flight ticket to Aruba through my chase reserve card and wasn't able to make it due to catching covid and made a claim through my travel rewards right away on July 3rd. However, after submitting multiple documents of the covid test, ticket receipt and and bank statements, i keep receiving emails about uploading the same documents all over again and i have not received any refund at all. i have called the customer service number multiple times and no one responds or pick up. I have also sent them multiple emails asking about what is going on and i have yet to receive any feedback or response. just a custom email saying upload more document. the refund amount should be $1355.01 for both jetblue and united airlines tickets.

      Business Response

      Date: 09/28/2022

      We responded to our
      customer’s concerns during our conversation on September 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:08/28/2022

      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.
      My Chase credit card shows duplicate charges of $581.76 each one on August 24 and 25, respectively, both made to North Ohio Sewer company that did plumbing work at my home. I am unable to dispute this duplicate charge with the Chase credit card. Each time I try, I receive a message that Chase does not see a duplicate transaction. I have contacted the merchant too, but so far no response.

      Business Response

      Date: 09/23/2022

      We responded to our customer's concerns in our
      letter dated September 23, 2022. To protect
      our customer's privacy, we are not providing you with a copy of our letter. Our customer may use their discretion in sharing
      our response directly with you.

    • Initial Complaint

      Date:08/26/2022

      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 filed a claim on a transaction that showd up on my acc. on monday for the amount $128.85 for a purchase at amazon .com , i called amazon and they told me that i have no transaction for that amount and sent me an email to confirm it. and was told to contact my bank . i filed a claim with my bank and was issued a credit for the amount the same day . 2 daIS LATER THE CREDIT IS GONE and all i get is excuses about it , my acc is now overdrawn becase of this and no body has any explination why the credit was removed after it was issued . my acc number  

      Business Response

      Date: 08/31/2022

      We
      responded to our customer's concerns by phone on August 30, 2022. To protect our customer's
      privacy, we are not providing you with any details of our resolution. Our
      customer may use their discretion in sharing our response directly with you.

    • Initial Complaint

      Date:08/26/2022

      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 have been a Chase customer for many years. I have paid my balance every month, on time and in full. I recently applied for the credit increase and when I finally heard back from them, they said that my credit limit was actually decreased. However, after calling them and speaking with 4-5 different people, I found out that it was actually not decreased but they gave me a measly $400 credit limit increase.

      They supposedly reached out to me with one phone call and when I couldn't respond they just made their decisions. As disappointing as that is, I understood that. It cost me a hard credit inquiry which lowered may credit score for $400 worth of credit increase. Moreover, it didn't even seem like it the request was properly processed by the lending department.

      Then when I called about that, I spoke to at least 3-4 people in the lending department. The first few people were helpful, but the manager who I spoke to eventually was extremely rude. Even if there wasn't anything he could do, he was very curt and cold. He kept repeating one line instead of trying to find an alternate solution. This was very disappointing.

      Business Response

      Date: 08/30/2022

      We responded to our customer's concerns
      during our telephone call on August 30, 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:08/26/2022

      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.
      After receiving many emails, I took out a "My Chase Loan" using available credit on my credit card at a lower interest rate than what the credit card interest rate would be. The loan for $4,250 was taken out on July 11, 2022 with a 7.49% fixed APR equaling $368.50 payments over 12 months. The total interest that would be paid was $172. The online enrollment made it seem very easy to pay back with no hidden fees or troubles. This was not the case.

      I continued to make new purchases on my credit card after the loan was taken out. I was told that to pay the loan amount, you will pay the credit card when you receive the added balance for the loan. The balance was added to the amount due for my July statement, $368.50. I paid the amount on July 25. I continued to make new purchases with my credit card during the remainder of July and the month of August. Traditionally, I pay credit card purchases off on a regular basis and continued the practice with the new purchases under the assumption that the payment for the loan would be added the "balance due" at the statement date. This was not the case and it was not explicitly stated during the application process.

      The August 23rd statement showed that my minimum payment due was "$408.50" and the interest saving balance was "$1,220.81". All of the payments I made for new credit card purchases were put to the loan amount and not to the purchases. When I called Chase, I was told there was nothing they could do. When I went into the bank, the banker called someone (her name was ********) and she told me that there was nothing they could do -- that Chase could not separate where the payments were going to on the card. I'm confused as to how they can not separate it, yet they put the money to the loan amount leaving me with a high balance on the loan incurring 18.24% interest.

      This was a predatory loan with the guise of being something simple and easy - Chase knows it and they refuse to do anything about it.

      Business Response

      Date: 10/19/2022

      We responded to our customer's concerns
      during our telephone call on September 7, 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: 10/21/2022

      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.

      On the phone call in reference, the Chase representative told me there was nothing she could do because I signed the paperwork for the loan so I acknowledged that the fine print. My problem is that the issue I have arose because it was buried in the fine print instead of being posted on the website for easy viewing -- that if you make payments before the due date, it will only go to the loan and not to recent purchases at a higher interest rate. My problem is that this is a predatory loan and the Chase representative essentially told me there was nothing to do. I am not looking for anything out of this for personal gain - I have paid off the loan and do not see myself taking out another Chase account (savings, checking, investing, or loan) because of this. All I want them to do is to make their customers more aware of the details hidden in the fine print.

      Regards,
      Complaint ID: 17779100
       



       

    • Initial Complaint

      Date:08/24/2022

      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 redeemed points on 2/9/22 from my Chase Sapphire Travel Rewards credit card for a roundtrip flight to Curacao from Atlanta 6/23/22-6/27/22. In March 2022 I decided not to go on the trip and cancelled the reservation. I was told by the representative that I would have an American Airlines flight credit in the amount of $913.55 for use before February 2023. On 6/15/22 I called to make sure my flight was cancelled because I kept receiving emails stating my itinerary changed. The representative informed me that the previous representative only cancelled one flight and not the roundtrip reservation. She went ahead and cancelled the remaining flight and I asked her to send me confirmation via email of the cancellation. She sent me two emails for Trip ID FCSDRGXQ5 confirming the cancellation. On 8/23/22 I called to redeem my flight credit for a trip to Montego Bay, Jamaica 11/2/22-11/6/22. It was EXTREMELY difficult to understand the offshore rep from the Philippines, Bernadette, because she had a very strong accent. She did not explain to me that there were 2 separate flight credits, one for $554.30 and another $359.25. They redeemed my points but created separate airline confirmation codes (not roundtrip). She failed to thoroughly explain that the unused credit for each flight would be forfeited. I thought she meant the unused credit for the entire flight would be forfeited. She processed the departure flight for $310 and didn't explain the difference of $244.30 on that flight could not be used toward my return flight. I asked to speak to someone in the US because I could not understand her. She transferred me to a manager named Kiana who stated that I should have asked for more clarification. I was on the phone with them for 2 hours and 15 mins. This is the worst experience I have had regarding travel ever. Airlines don't process separate transactions for a roundtrip fare so how would I have known this. There was 1 Trip ID.

      Business Response

      Date: 09/22/2022

      We responded to our customer's concerns in our
      letter dated September 22, 2022. To protect
      our customer's privacy, we are not providing you with a copy of our letter. Our customer may use their discretion in sharing
      our response directly with you.

      Customer Answer

      Date: 09/24/2022

      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. They refunded me the $244 and gave me 10,000 rewards points.





      Regards,



      Complaint ID: 17762192




       


       


       

    • Initial Complaint

      Date:08/23/2022

      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.
      In Accordance with Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681

      15 U.S.C 1681 section 602 A. States I have the right to privacy

      15 U.S.C 1681 section 604 A section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

      In Accordance with the Fair Credit Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 U.S.C 1692 C

      Business Response

      Date: 09/15/2022

      We
      responded to our customer's concerns by letter on September 15, 2022. To protect our
      customer's privacy, we are not providing you with any details of our resolution.
      Our customer may use their discretion in sharing our response directly with
      you.

    • Initial Complaint

      Date:08/23/2022

      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 recently cancelled a Chase credit card, and I thought my unused credit card points would’ve automatically transferred to my other existing chase credit card account. But after 30 days these points did not show up. I was out of the country due to emergency family matter and was unable to check. I was in shock after returning to the country that they did not transfer these points. I have tried contacting Chase multiple times but they refused to reinstate the points for me. The points are over 400k, no one would’ve been so dumb to let nearly 400k ($4K US dollars worth) points disappear like that. Being a loyal chase customer for over 6 years, I do not believe they did the proper communication with their customer through the process. If the points are going to be lost, there should be notification or warning. While I am still a chase credit card holder, I hope they can take care of the customer and restore my lost points.

      Business Response

      Date: 09/01/2022

      We responded
      to our customer's concerns during our telephone call on September 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.

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

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