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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

    • 6,369 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:08/02/2022

      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.
      Had Chase Credit card for 3 years $5000 line …. Hadn’t paid late (2x) a lot but did when both parents died 2021. I always contacted them and payed more than minimum due. Received some cash (insurance) and decided to pay it down to help improve my credit. Payed them $4000 in one payment and they then decreased my limit to $1300 stating they reviewed my credit again and decided to decrease line. Worse still that I hadn’t received a notification letter they said they sent about a week before my pay down.
      I had previously CANCELED a Capital One card for false reporting and poor customer service.
      I have attempted to use my card when balance at $1000 recently and was declined.

      Business Response

      Date: 09/14/2022

      We responded to our
      customer’s concerns during our conversation on August 5, 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:08/01/2022

      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 had about $180 worth of fraudulent charges on my chase credit card and they refuse to return the money even though I’ve proved it wasn’t me. I can’t get anyone to return phone calls or address the issue.

      Business Response

      Date: 09/13/2022

      We
      responded to our customer's concerns during our telephone call on August 24,
      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:08/01/2022

      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 received a targeted offer by email to make three (3) Apple Pay purchases of any amount on my credit card by 4/30 to receive a $10 statement credit. I received this offer for both my Freedom Unlimited and Disney Visa Platinum cards, so I completed the offer on each card. The email states that it could take up to 8 weeks to receive the credit, but it has been three (3) months now, and the credits have not posted yet. I made three (3) online Apple Pay purchases on each card at Egifter that posted on 4/25, and no refunds or returns have been made on the purchases. No P2P or friends and family transfers were made on my accounts, they were actual purchases. Please let me know when I can expect to receive my statement credits on my credit cards for completing these offers. I have attached screenshots of the offer emails I received, as well as evidence of these purchases on my Apple Pay account. I do not have online access to my Chase accounts currently, so I am unavailable to submit these screenshots via secure message in my Chase account at this time.

      Business Response

      Date: 08/15/2022

      We responded
      to our customer's concerns during our telephone call on August 15, 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:08/01/2022

      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.
      Made car payment early July. it was refunded for some reason. Second time around it went thru. Same bank account I have been using.. thought nothing of it. Made credit cards payments 7 days before due date. Apparently they were refunded. Now I got charge late fess without any warning. Never had issues prior. All of a sudden my payments are not going through. Drop all my late fees please ..

      Business Response

      Date: 08/11/2022

      We responded to our customer's concerns during
      our telephone call on August 11, 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:07/29/2022

      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.
      Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

      Business Response

      Date: 08/24/2022

      We responded to our customer in our letter dated August 24, 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: 09/29/2022

      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.

      Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. JPMCB CARD Account Number: 42668414 Delete this unverified and misleading account.


      :
      Correction to a credit report









      Regards,


      Complaint ID: 17639174


       



       


       

      Business Response

      Date: 11/07/2022

      We
      responded to our customer’s concerns in our letter dated November 7, 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:07/27/2022

      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 applied for and received a Business Credit card with 75K United Frequent flyer mile bonus offer if $5000 charged in first 3 months
      - 2nd card on account was attempted to be used for 2 charges (~$4000 and ~$5000)
      - They were declined and I got a fraud alert which I responded to saying they were not fraud and were legitimate transactions
      - I called Chase to make sure that future transactions would not be declined and was assured I did not need to give pre-notification for large transactions or do anything further to prevent charges being declined
      - Another approx $5000 charge was attempted to be made and was declined. We tried to call Chase immediately and the AI assistant said that the last 4 digits of the card entered was not a valid card
      - I called and spoke to a human the next day and confirmed that the card was valid and activated and should work. At this time, they escalated a request to management to give the introductory bonus miles because over $5000 of charges had been attempted
      - Up to this point, one of the cards on the account seemed to work fine and the other didn't work at all
      - Today, the card that had been working didn't work and when I called and waited for over an hour to speak to someone they said that the account had been closed by the bank and they could give me no reason as to why and I had no recourse or higher level I could appeal to to find out what was going on
      - I have perfect credit, no outstanding debt, auto pay my bills in full each month, etc
      - I believe I deserve a proper explanation for the cancellation of this account and I also should get the Frequent Flyer miles that I would have earned if Chase had not been making such a mess of things
      - I don't know if this will negatively affect my credit report but if so then that needs to be reversed also
      - all supporting documentation is in the records that Chase has, including phone conversations mentioned above

      Business Response

      Date: 08/19/2022

      We responded to our customer's concerns during our telephone call on August
      19, 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: 09/07/2022

      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.



      Hello,

      I apologise that I could not respond any quicker but I work away from access to technology for 16 day periods and am about to be away again beginning tomorrow until Sept 23rd. As to the current case, it definitely is not resolved. I got a voice mail message from Chase saying that they closed my account and can not give me any further info as to why it was closed. That is the same thing I was told which was the reason I initiated this complaint. They did not address my concern as to the effect on my credit rating or the air miles that I should have received.

      What can be done next? It doesn’t seem like it should be legal that they can arbitrarily close an account without reason and without providing that reason to the customer.







      Regards,


      Complaint ID: 17635283


       



       


       

      Business Response

      Date: 09/09/2022

      We responded
      to our customer's concerns during our telephone call on September 9, 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:07/24/2022

      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 payment for my credit card is due on the 2nd of each month. I have auto pay from my checking account for the 1st of each month. I realized that each month for well over a year, they have charged me a late fee 2 days after my payment is made. They closed my account for no reason whatsoever in December 2021, actually 3 accounts. I sent them a secure message and their response was an admission of wrongdoing because they actually refunded last month's erroneous fees and interest but refuse to refund the previous months - which would almost double the amount I owe on the card in refunds. I want my good standing with credit bureaus restored and my account balance marked paid in full. A refund for overage charges would be nice, but at this point I want my credit bureau standing restored.

      Business Response

      Date: 07/27/2022

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

      Customer Answer

      Date: 08/02/2022

      I do not accept this response as it is completely generic and actually is complete fabrication. They NEVER spoke to me on phone on 7/27/22, as stated. I contacted them a second time via message within their website and they reversed the last month late fee and associated fees. I informed them with a return message that their correction of the last month incorrect fees were in fact a confirmation of my claim to begin with. Had I been wrong, I am positive they never would have issued a refund. I know they can correct this and reverse those late fees that were wrongly applied. They total much more than my final balance. I want my credit cleaned up with all credit reporting companies as well.

      Business Response

      Date: 09/09/2022

      We responded to our customer’s concerns in our letter dated September 9, 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:07/22/2022

      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.
      On Jun 13th 2022, I tried to book my flight for 2 adult, 1 child and 1 infant on Chase travel site using my Chase Sapphire points, but it showed error saying flights outside US cant be booked with infants and asked me to contact customer care.

      They took my my 72768 credit card points, without a booking (case of cheating). I wasted close to 11 hour 30 mins of my time on multiple calls with them (case of harrasment) and in the end I was left me without flights (case of cheating). I spent close to $920 to book the tickets on my own. I escalated to them to return my points and the money I had to pay for flight, but no response. Please see attached PDF for case details.

      Business Response

      Date: 08/02/2022

      We responded to our customer's concerns during
      our telephone call on August 2, 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: 08/08/2022

      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



      Chase has not provided full refund which i asked, instead they are returning my points  with some 15000 points for the inconvenience and $24 fare difference. After wasting 11.5 hrs on their customer care calls and mental torture, i would not want to go thru the same next time to use the returned points, so their points are useless to me. Therefore i demand full refund of my tickets and points for the harassment i have gone thru.



      Regards,


      Complaint ID: 17611704


       



       


       

      Business Response

      Date: 09/29/2022

      We responded to our customer's concerns
      during our telephone call on September 28, 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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