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

6,363 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.

Initial Complaint
Date:07/26/2024
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.
In June, I received a call from Chase regarding a credit card ending in 5139 with a balance of approximately $2776.11, including interest charges and additional fees. I was completely unaware of this account, as I have never opened any credit card with JP Morgan Chase Bank, indicating that this is a fraudulent activity. I immediately informed Chase, and they assured me they would investigate and follow up with me.

However, on July 22, I received a call from "Client Services Inc," a debt collector with Reference # 38388832, informing me that Chase had reported the account to collections. Chase did not send me any notification prior to this action, despite it being a clear case of fraud. I reiterated to the collection agency that I have never opened any credit card with Chase. They informed me that they would initiate a case with Chase and transferred the phone call to Chase.

The representative from JP Morgan Chase Bank was exceptionally rude and accused me of being guilty, despite my clear lack of involvement in this matter. He threatened me to make the payment, despite my clear lack of responsibility for the fraudulent charges. It is evident that someone has gained unauthorized access to my personal information and fraudulently opened a credit card in my name. I am not responsible for any fraudulent activities conducted under my name.

I am seeking a resolution to this issue and I am not liable for any charges on the card that I never opened.
Business Response
Date: 08/06/2024
We responded to our customer's concerns. 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.
Customer Answer
Date: 08/14/2024

"I have not received any resolution from Chase Card Services. I am seeking a resolution, as I am not responsible for an account I did not open or for any transactions I did not perform."

Business Response
Date: 09/03/2024
We responded to our
customer’s concerns in our letter dated September 3, 2024. 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:07/25/2024
Type:Product 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 opened a credit card 3 months ago, by mistake chase bank used my EIN number on that card (it's supposed to be a personal card). Now I can't access to pay the card because is not linked to my user in the chase mobile banking, I contacted the bank and they said they need to fix the mistake and change the EIN by my SSN, I spent more than 3 hours on the phone, and nobody was able to fix it, they transfered me from one department to another. I'm out of country because of a family issue, without a date to return to US and they are sending me emails because my payment wasn't done, charging me with late payment fees and saying they will cancel my card if I don't pay but I can't pay because is not in my account!. I need a solution urgent
Business Response
Date: 08/08/2024
We responded to our
customer's concerns by letter. To protect their privacy, we are not providing
you with any details of our resolution. Our customer may use their discretion
in sharing our response directly with you.
Customer Answer
Date: 08/10/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
i just received an email 5 days ago from someone saying they will review the issue, and that was all. No solution yet

Regards,

Complaint ID: 22043548

Business Response
Date: 08/30/2024
We responded to our customer’s concerns in our letter dated August 30, 2024. 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:07/24/2024
Type:Product 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 bank has extremely weak security. I have been banking with them for 10 years, and there have been several instances of hacking and fraud on my account. I have had to cancel several debit cards over and over. This last time, someone stole my information and made three purchases back to back. Even though, I received notifications and let them know that this was not me making the purchases, they told me that there was nothing that they could do. That their investigation team deemed all the purchases as normal. They said this, even though that Chase bank has been rife with information leaks, and card number leaks over the years. Just know, if you bank with Chase, someone can commit fraud and rob you and they will not help you recover funds. I would not recommend Chase bank to anyone. They all but called me a liar, and when I told them that I would provide proof from my merchant that I did not make those purchases, they told me there was still nothing that they would do to help retrieve my money. The customer service was very poor, rude and they were very difficult to understand as they spoke very poor English.
Business Response
Date: 09/05/2024
We responded to our
customer's concerns. To protect their privacy, we are not providing you with
any details of our resolution. Our customer may use their discretion in sharing
our response directly with you.
Customer Answer
Date: 09/11/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.A representative of Chase called me and said there is absolutely nothing they can do to get my money back after someone fraudulently used my debit card. I provided proof and even gave them a case number in which Sony also had proof that someone else used my card on their profile. My profile had zero purchases for the amounts taken. I was told Chase would reach out to Sony with the case number. Then I received a call from Chase and they said they would not help me.
**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: 22038992

Business Response
Date: 10/11/2024
We responded to our
customer's concerns. To protect their privacy, we are not providing you with
any details of our resolution. Our customer may use their discretion in sharing
our response directly with you.
Initial Complaint
Date:07/15/2024
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.
Unauthorized Cancellation.

Details of the Incident:
Booking Information:
- Flight Date: July 9th
- Booking: Made using Chase Ultimate Rewards points
- Points Used: 309,920 points for a family of five

Incident:
I used Chase Ultimate Rewards (via credit cards) to book a flight for me and my family, totaling 5 people. The flight was scheduled for July 9th, and on July 6th, I called to inquire about options in case my children, who were sick, couldn't travel. I explicitly asked for information only. However, the representative mistakenly canceled my booking without my consent after a lengthy hold. By the flight date, my children were well enough to travel.

I immediately contacted Chase Credit Card. The subsequent representative reviewed the call recordings and admitted that the cancellation was a mistake on their part. They said it is now in control of Delta for a only a credit up to a year. However, this solution is inadequate for several reasons:

- It restricts me to one airline, preventing me from finding potentially better rates.
- It imposes an undue burden on me to book within one year, adding unnecessary pressure.
- The flight was originally booked in advance; ticket prices had skyrocketed. As a result, I could no longer afford to book the flight.

This unauthorized cancellation has severely impacted my family's 1.5-month summer plans, including a crucial visit to meet the worldwide head of my community and attend an international convention.

I am seeking a full reimbursement of the 309,920 points back to my Chase Ultimate Rewards account. Additionally, I request further compensation for the distress and inconvenience this incident has caused my family to rectify the unauthorized cancellation and the subsequent restrictions placed on my ability to rebook my travel plans freely.

Conclusion
The unauthorized action and resolution offered has caused substantial distress and inconvenience. I am seeking your assistance in resolving this matter promptly.
Business Response
Date: 08/28/2024
We responded to our
customer's concerns. To protect their privacy, we are not providing you with
any details of our resolution. Our customer may use their discretion in sharing
our response directly with you.
Initial Complaint
Date:07/05/2024
Type:Billing 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 am NOT liable for this debt with "JPMCB CARD SERVICES". This was a fraudulent credit card that my father Carlos Leon Sr. who has the same name as me. I already worked with the credit bureaus to have his social security number unattached from mine, his name, address and also phone numbers and addresses removed from my credit reports. Equifax already investigated it and had it removed but Experian and Trans Union have not removed it yet. They have not sent me the signed contract he created with them or any proof of anything. Please help.
Business Response
Date: 08/16/2024
We
responded to our customer's concerns. To protect their privacy, we are not
providing you with any details of our resolution. Our customer may use their
discretion in sharing our response directly with you.
Customer Answer
Date: 08/21/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 21945744
Initial Complaint
Date:07/03/2024
Type:Billing 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 statement from Chase last month with a new balance of $4061.31 and a due date on 06/25/2024. I paid the entire balance in full on 6/14/2024. New charges occured after I received my statement which was $503.00. Chase charged an interest of $34.64 on this new balance without giving me a chance to pay this balance in full which is due 07/25/2024. It appeared they added the new balance of $503.00 to the old balance of $4061.31 totaling $4564.31 which makes it look like I paid $4061.31 leaving a balance of $503.00 with an extreme high interest charge of $34.64 totaling $537.64 which is my new balance due on 07/25/2024. I can understand if my balance was $4564.31 and paid $4061.31 leaving a balance of $503.00 then it would have an interest added because I didn't pay the entire balance but the balance was paid in full. It seems as though they added an interest fee to this balance because the purchases were made before the closing date on 06/28/2024. If this is a new bill it should have been separate from the old bill and I should have been given a chance to pay this bill in full as the previous bill but they decided to add interest to this new balance without giving me a chance to pay this bill in full. I would like for Chase to waive this fee of $34.64 and I pay only $503.00 due on 07/25/2024 if not I will consider letting this account close itself, pay what I owe and not make any new charges on this account.
Business Response
Date: 07/15/2024
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Customer Answer
Date: 07/18/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 21937986
Initial Complaint
Date:07/01/2024
Type:Billing 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.
These guys constantly send me junk mail for credit cards and I have asked them in writing numerous times over the last 4 years to stop. They refuse to stop. They keep sending me junk mail for credit card offers. Identity theft is a thing. Maybe these clowns haven't heard about it, but it is real. Maybe these clowns have also heard that US mail gets lost or misdelivered. I do not want their "Chase Ink" business credit card and I want them to stop junk mailing me and delete my contact info. ***** ****** *** **** ***** ** ****** ****** ** *****
Business Response
Date: 07/09/2024
We responded to our customer's concerns. 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.
Customer Answer
Date: 07/11/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is pending satisfactory to me. I say it is pending satisfactory, because these folks have stated numerous times in writing that they would stop junk mailing me, which was a complete lie. So, while I have little reason to trust this outfit, I did actually speak to a human from their organization this time, I will give them the benefit of the doubt that they may actually keep their word this time.

Regards,

Complaint ID: 21928411
Initial Complaint
Date:06/19/2024
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 called them to file a dispute. As usual the Indian representative was disrespectful towards me and refused to transfer me to a supervisor. I need to file two disputes and I need to be contacted by someone who knows how to appropriately speak to women. Thanks!
Business Response
Date: 07/10/2024
We responded to our customer's concerns. To protect their privacy, we are
not providing you with any details of our resolution. Our customer may use
their discretion in sharing our response directly with you.
Customer Answer
Date: 07/15/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
They are lying. No one has contacted me on this matter, much less provided assistance.

Regards,
Complaint ID: 21874364

Business Response
Date: 08/07/2024
We responded to our
customer's concerns by letter. To protect their privacy, we are not providing
you with any details of our resolution. Our customer may use their discretion
in sharing our response directly with you.
Initial Complaint
Date:06/19/2024
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.
### Complaint Letter

**Customer Service Department**
Chase Bank
P.O. Box 36520
Louisville, KY 40233-6520

Subject: Dispute Resolution Request for Unauthorized Charges

Dear Chase Bank Customer Service,

I am writing to express my deep dissatisfaction with your recent decision regarding my dispute of two unauthorized charges of $17 each for valet parking services at Post Oak Hotel, which I never utilized. Your communication states, “We reviewed the information available and found that you either received the services or the merchant made them available for your use,” and further, “We can't confirm you're due a credit because the services you purchased were received or available to use.” I vehemently contest this conclusion, as the vehicles mentioned in the dispute notices are not even mine. I did not use any valet or parking services on the specified dates, and these charges are fraudulent.

Given the gravity of this issue, I have reported the matter to the Federal Trade Commission, highlighting the unauthorized charges and the unsatisfactory resolution process by Chase. I insist that both of these investigations be reopened and reviewed with greater diligence. I expect Chase to thoroughly reassess the validity of the charges and the evidence provided, and to take appropriate action to rectify this situation promptly.

Sincerely,
Business Response
Date: 06/25/2024
We responded to our customer’s concerns in our letter dated June 25, 2024. 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: 07/01/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below.
**In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.Chase continues to not respond to the situation, I have not been contacted and this matter remains unresolved.

Regards,
Complaint ID: 21872053

Business Response
Date: 07/12/2024
We responded to our customer's concerns. To
protect their privacy, we are not providing you with any details of our
resolution. Our customer may use their discretion in sharing our response
directly with you.
Initial Complaint
Date:06/18/2024
Type:Billing 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 have a fraudulent inquiry on my credit report I never applied for a chase credit card.
Business Response
Date: 06/27/2024
We responded to our customer's concerns. 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.
Customer Answer
Date: 06/27/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 21865243

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JPMorgan Chase Credit Card is NOT a BBB Accredited Business.