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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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/07/2024

      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 several transactions that I want to dispute and I would appreciate it if you worked with me.

      Business Response

      Date: 05/17/2024

      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: 05/23/2024

      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.


      I have yet to hear back from them or have this issue resolved. This issue has not been resolved yet. 

      Regards,
      Complaint ID: 21677263
       



       

      Business Response

      Date: 06/11/2024

      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.

    • Initial Complaint

      Date:05/06/2024

      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.
      - Date of Transaction: April 12, 2024
      - Business:JetBlue Airways
      - Flight Number:B6 2229
      - Ticket Type:Economy class
      - Amount Paid:$337.66 or 27.013 Points

      Commitment by the Business:
      - JetBlue Airways was supposed to provide a flight from Boston to Milwaukee.

      Nature of the Dispute:
      - Due to a knee injury sustained at the gym, which prevented me from bending my knee, I was unable to travel on the scheduled date. I contacted JetBlue, and they directed me to Chase, the platform through which the ticket was purchased.

      Attempts to Resolve the Issue:
      - I contacted Chase and was initially told the ticket could be cancelled with a $50 fee. After agreeing to this, I was informed by Chase that the ticket could not be cancelled and must either be used or put on hold. When I agreed to put the ticket on hold, they finally stated that it was not possible to put the ticket on hold either.

      Account/Order/Tracking Number:
      Trip ID:MQ5FNPR8C/AGENCY REFERANCE NUMBER:V77FGE

      - The situation remains unresolved, and I am requesting a refund of the ticket price due to what appears to be deceptive practices by Chase in handling the ticket cancellation and hold process.

      Business Response

      Date: 05/09/2024

      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.

    • Initial Complaint

      Date:05/06/2024

      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 not liable for this debt with JPMCB CARD SERVICES, I do not have a contract with JPMCB CARD SERVICES they did not provide me with the original contract as I requested.

      Business Response

      Date: 05/23/2024

      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.

    • Initial Complaint

      Date:05/06/2024

      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.
      This complaint is about the offer provided by Chase Travel, who keeps using lies to refuse giving the points that I should earn.

      1. On 10/11/2023, I received an email offer from Chase, which showed that I would get 7000 points if I booked a flight and a hotel through Chase Travel totaling $105 or more by 1/31/2024 and never made any reservation through Chase Travel in the past one year. (The evidence is in offer_email.pdf in the attachment)
      2. I activated the offer using my Chase Freedom Ultimate card ending in 3036 before 10/17/2023. (The evidence is in offer activation.png in the attachment)
      3. I booked a hotel on 10/20/2023 for staying through 10/22/2023 to 10/23/2023 for $157.38, and I booked a flight on 10/28/2023 of Delta airline DL 685 on 10/31/2023 for $747.80. Both hotel and flights are booked through Chase Travel, and I never used Chase travel before. (The evidences are in two gmail pdfs in the attachment)

      However, I never get my 7000 points (equal to $70). Chase keeps lying in different ways: either no such offer, or not activated, or my reservation does not qualify, or I used Chase travel before. I submitted all evidences for the above Step 1, 2, 3 to Chase, they found that they cannot lie any more and stop responding me. I have tried to get my 7000 points back for more than 6 months now.

      My request is to get my 7000 points or $70 payback from Chase.

      Business Response

      Date: 05/22/2024

      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: 05/28/2024

      Better Business Bureau:


      Chase contacted me and sent me the 7000 points that I deserved. Although I do not got any compensation for their fault and only get what I deserve, I want to accept the resolution.

      However, this does not mean I am satisfied with Chase. I have contacted them for more than 6 months! (yes, months, not weeks, not days) They used different lies to deny the points or pushed the case to each other's department in Chase. However, after I filed the complaint in BBB, they resolve the issue in one week. They do not care about customers but care about their reputations only. Chase does not solve normal complaints through their internal customer service.

      I appreciate BBB's help. For other Chase customers, if your case is just "pending forever" or "denied by lies", please use BBB as a third-party arbitrator.





      Regards,



      Complaint ID: 21672110

    • Initial Complaint

      Date:05/06/2024

      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 a late payment on my credit report back in January 2023. I have called multiple times and questioned this payment as I am always good making my monthly payments. I ended up calling in and they told me my late payment was 32 days past. However that is not true. I had a ACH transaction that failed because I used the wrong account. My mistake. However, I instantly fixed that and used the account I was supposed to use. This late payment should be removed from Chase as this is affecting my credit score and payment rating. I realized that the account was wrong and made a new payment with the right account. Help me fix this issue. Please and Thank you.

      Business Response

      Date: 05/14/2024

      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:05/05/2024

      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 a Southwest Airlines branded credit card through Chase. Cash back rebate offers for various merchants can be added to this card via our accounts. I had added a rebate to my credit card for 8% cash back before making a purchase for $379.88. The purchase shows as appearing on my account on January 10th, 2024. The rebate never posted to my account. Chase claims I never activated the offer, which is not true. Unfortunately, since the offer's expiration date is passed and over 90 days I cannot view the details of the offer any longer or capture a screenshot to show it was indeed activated. I have opened several requests to have them reconsider, but they keep denying the request for the same reason, which is "Offers must be activated before the purchase posts in order to qualify." I think they may be confusing this request with a subsequent activated offer for 5% that was indeed also activated after 1/10/2024 and expired on 2/29/2024 (and never redeemed). I am requesting Chase honor the 8% rebate on the $379.88 or provide a valid reason for not (or provide evidence I did not activate the offer since I maintain I definitely activated the offer before the purchase occurred).

      Business Response

      Date: 05/14/2024

      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: 05/23/2024

      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.
      I discussed this case on the phone with a Chase representative.  They are still denying my request to honor the merchant's cash back offer, but at least now Chase is denying my request for a reason that is true (the transaction did not post in time) whereas before their original justification was false (that I never activated the offer or that I activated it after the purchase posted...something along those lines).  I was hoping they would consider honoring the cash back offer due to "an Act of God" causing a transaction delay, but they seem unwilling to budge on their stance.  I do not think additional communication with the merchant will improve this dispute so I am okay closing the case with an unsatisfactorily outcome, and Chase and I will just have to agree to disagree on this one.

      Regards,
      Complaint ID: 21668638 

    • Initial Complaint

      Date:05/04/2024

      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.
      Now that COVID is behind us, I am starting to travel again. I logged in to make use of my previously earned chase points only to find out that my card was closed and my chase reward point balance was zero'd out.

      This is particularly frustrating as I had no notification of this happening (no letter in the mail, no email, no text/call). I had accumulated a decent amount of rewards points that I had planned to use (greater than $300 in cash value). I recall I had tried to move the Chase points to my other Chase account but was told that that was not possible.

      I wish to use the points I had previously earned.

      Business Response

      Date: 05/15/2024

      We responded to our
      customer’s concerns in our letter dated May 15, 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:05/03/2024

      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 notified them at least two years ago, requesting to be removed from this account. They did not remove me from this account, ending in 8945. My wife and I discovered they reported negatively to the credit bureaus in March 2024. I want the entire account and negative reporting removed from all bureaus.

      Business Response

      Date: 05/10/2024

      We responded to
      our customer's concerns by letter on May 10, 2024. 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:04/30/2024

      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 writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.

      Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.

      Please rectify this matter promptly. My account number is ****************

      Business Response

      Date: 05/17/2024

      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:04/30/2024

      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 had to is card for some time, unfortunately I never closed it as we were in the process of buying a house so I didn’t want to change my credit. When I called to cancel I was told I would see a refund on the annual membership fee that I was charged. I didn’t think I’d get the full amount as it had been a few months since it was paid but figured a partial. The lady I spoke with the day I closed it told me my annual membership would credited. I gave it time not sure how long the refund would take to process. I finally called to check on the status and was told the information provided was incorrect and I was not entitled to a refund at all. It’s insane that you cancel a card 3 months in and don’t even get a partial refund, after you were told you’d be getting one. Mel Cuerdo who I spoke with did not want to offer assistance and I had to essentially request for him to write a complaint and he finally did. Ref# ECW24030-01005. I don’t recommend united chase as they are not customer focused.

      Business Response

      Date: 05/14/2024

      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: 05/21/2024

      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. They are resolved my issue.





      Regards,



      Complaint ID: 21645158




       


       


       

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

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