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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

    • 6,367 total complaints in the last 3 years.
    • 2,548 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:04/08/2024

      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 urgently contacting you to address the discrepancies on my credit report resulting from the sharing of my personal information with credit bureaus. This has caused significant financial and emotional distress.

      In line with 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially.

      Furthermore, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.

      The errors associated with JPMCB CARD have negatively impacted my financial standing, necessitating immediate correction.

      Additionally, I stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.

      Below, you'll find my account details for your reference:
      Account Number: 41474003****

      I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.

      Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.

      Sincerely,

      Business Response

      Date: 04/24/2024

      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:04/06/2024

      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.
      I have been trying to resolve an issue with Chase regarding my Amazon Visa credit card but I am having very little success in doing so. I will be attaching three screenshots because of a fraudulent charge that I received for $34.90. I was trying to find a remote for my fire stick online through Google Play that I could use on my phone for my TV and despite the fact it said I would not have a charge and that is why I provided my credit card information the company which I believe is a fraudulent company still charged me $34.90. Chase immediately sent me a text and blocked the charge. I then called Chase and told them that I was not supposed to be charged and the fraud department assured me that they would be blocking the charge but for some reason it appeared on my credit card and now they are telling me they are going to dispute it but it's unacceptable because it should have never been put on my credit card in the first place since it is in all likelihood a scam.

      Business Response

      Date: 04/10/2024

      Although we began researching
      your concerns right away, we need more time to complete it. Please expect a
      letter from us when we have an answer. Thank you for your patience.

      Customer Answer

      Date: 04/19/2024

      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. In the meantime, Chase credited my account.





      Regards,



      Complaint ID: 21541212




       


       


       

    • Initial Complaint

      Date:04/04/2024

      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.
      I am writing to seek your immediate assistance and a resolution to two separate, but equally distressing issues that have occurred with my Chase Ultimate Rewards points transfers. Despite numerous attempts to resolve these through customer service, I find myself compelled to escalate these matters for your attention, hopeful for a prompt and favorable resolution.

      Issue 1: KLM Points Transfer Error

      On March 19, I attempted to transfer 6,000 points to KLM, only to encounter an error. Following a conversation with Hector, an account supervisor, and receiving a 2901 error code, my case (LSP-2024-35995) was escalated with the assurance of a resolution within 24 hours. Further interactions with your team, including Holly from the marketing team, suggested a 7-10 business day investigation period. Given the urgency of my travel plans, I explicitly communicated the need to halt the transfer process, as I would proceed to purchase my flight directly.

      Regrettably, a week later, the 6,000 points were deducted from my account despite assurances to the contrary and my clear cancellation request. Subsequent calls to rectify this have yielded no solution, leaving me without the points unjustly.

      Issue 2: Air Canada Aeroplan Points Transfer Shortfall

      On December 16, 2023, I transferred 119,000 points to Air Canada Aeroplan (Order number CBLM6LTIHIW7DFU), enticed by a 20% bonus promotion which should have netted a total of 142,800 miles. This discrepancy left me unable to book a crucial Christmas trip, forcing me to find alternative arrangements and rendering the transferred miles effectively useless to me. Despite raising this issue immediately (Case LSP2023-148193) and again on March 13 (Case ECW240313-03843), I am yet to see the promised resolution or the return of my points to my Chase account.

      Business Response

      Date: 04/16/2024

      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.

    • Initial Complaint

      Date:04/02/2024

      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 recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

      Business Response

      Date: 04/16/2024

      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:04/01/2024

      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.
      In 2020 i opened a checking account with Chase and deposited $50,000. In 2022 I opened a Chase Marriott Bonvoy credit card.

      I pay an annual fee of $250 for a Bonvoy Bountiful card and was happy to pay that fee because it presumably funds the logistical infrastructure that allows me to experience the perks and conveniences of being a member.

      Upon opening my checking account I was instantly locked out. I was allowed to spend money on my debit card but could not transfer money in or out, access the app or online banking. The same was true of the credit card. I have NEVER been able to access any of Chase' online or mobile app services related to my card. I can't check my balance or make payments unless I manually track and call. When i first got the card i paid the full balance every month. I called several times over the years and was bounced around from department to department but no one could fix it. I was paying $250 to manage my account like it was 1994. The reps were great but none of them knew how to help or direct me on how to unlock my online accounts.



      My grandmother was diagnose with a rare breast cancer so in the fall of 2023 I decided to transition from paying of the balance to auto-paying the minimum so i could send her monthly support. I had to make this change over the phone (because for years I've had to do all my banking over the phone.) and something got lost in translation and instead of a recurring payment it was coded as a one time payment. I got an email today saying my account had been closed for nonpayment and when I called the rep she said I had missing payments. I was upset that the recurring payments weren't logged but told her I'd pay my balance. She informed me she could not restore my account. I'm livid. I deposit 50k and open a premium credit card only to have to bank with no access to the technology everyone uses to manage their accounts and then get castigated for a mistake. I'll gladly pay them I just want my account back.

      Business Response

      Date: 04/17/2024

      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:04/01/2024

      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.
      Chase has negatively impacted my personal credit by attaching a debt I didn't sign for. I asked them for the contract and they sent me a letter that they do not have a contract and still won't remove the mark on my credit.

      Business Response

      Date: 04/10/2024

      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: 04/15/2024

      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.
      **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 is incorrect I have NOT received any response from Chase or any resolution from Chase. Please help and  follow up with this.


      Regards,
      Complaint ID: 21515934
       



       

      Business Response

      Date: 05/20/2024

      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:04/01/2024

      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 contacted Chase Bonvoy Visa Card Services on three occasions (March 22, 23, and April 1, 2024) and have not received a favorable decision. I was given the wrong phone number (212-768-7277) to contact Chase Direct Marketing Association for follow up escalation and this was actually ANA Center for Ethical Marketing. On Feb 22, 2024, I applied for the credit card while making a Marriot reservation and was initially presented with an offer to earn 3 Free Night Awards after spending $3,000 in purchases within the first 3 months of account opening, along with a $300 sign-up bonus. The $300 was promised to decrease my reservation price but this was unavailable to use until after the fact.
      Immediately after checking into the Marriot property only two days later on Feb 24, 2024, I was presented with an offer on the Bonvoy mobile app that Chase is currently offering a more generous sign-up bonus for the same card, where applicants can earn 5 Free Night Awards by spending $5,000 within the first 3 months.
      I understand that credit card offers can change, but I would be very interested in receiving the 5 Free Night Awards offer considering the higher spending requirement aligns with my planned upcoming travel expenses.
      I am a loyal Chase customer and have a strong credit history, being a responsible cardholder with multiple other Chase credit cards and would utilize the Chase Bonvoy Visa Card extensively.
      I would like to see if Chase can reconsider my application and extend the 5 Free Night Awards offer to me. I am confident that I can meet the spending requirement within the given timeframe.
      Thank you.

      Business Response

      Date: 04/10/2024

      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.

    • Initial Complaint

      Date:03/26/2024

      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.
      Chase Credit Card ending 8387--Dispute with MW Construction for $10,500 on 9/13/2023 for a bathroom remodel. In spite of numerous documentation, a 2nd Opinion letter, and a letter from the State of Florida stating the merchant had performed unlicensed activity, Chase ruled against me. The dispute process was severely mismanaged full of errors and terrible communication/lack of communication and transparency. I am requesting a full refund from Chase of $10,500 as I am owed according for protection by the credit card.

      Business Response

      Date: 03/27/2024

      We responded to our
      customer’s concerns. We understand that our customer is not satisfied with our
      response, but without new information to review our decision will not change.

      Customer Answer

      Date: 04/04/2024

      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 has not done any due diligence on my dispute. Here is why--they never explained to me why they ruled against me in spite of the disputed amount matching the 2nd opinion letter. They had ruled against me initially stating that the 2nd Opinion letter did not match the disputed amount. Since the disputed amount matches the 2nd Opinion letter in the redispute, Chase should honor what they had initially told me.Secondly, I was specifically told by agents multiple times that Chase has acknowledged there were errors in the way they processed the dispute and were going to refund me directly. Yet, this was ruled against me stating that the merchant did not agree to the refund. This is contrary messaging.Finally, the new documentation I have provided demonstrates my lawyers had sent MW Construction (the merchant) 2 demand letters which the merchant refused to respond to.New documentation attached also shows that the merchant lied about receipts stating that I should pay them since they also installed floors. However, I have attached a receipt that shows that the floors the merchant claimed they installed was cancelled by my from Home Depot. How then can they claim to have installed floors?Also, why is Chase not considering the 2nd Opinion letter?I have attached all 3 documents showing the merchant is not interested in cooperating, is falsifying receipts, and never provided the services they paid for.How is Chase still ruling against me? I demand an explanation. A one-line response for a consumer is not acceptable.



      Regards,
      Complaint ID: 21492028
       



       

      Business Response

      Date: 04/25/2024

      We responded to
      our customer's concerns by letter on April 25, 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:03/26/2024

      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.
      I used Chase credit for a hotel booking back to 11/16/2023, but the annual hotel credit has not been applied. I have called in January and February, then received a letter from Chase saying that the credit will be applied 2-3 billing cycle, without giving me a reason why the credit keeps delaying.
      I called again at 8:43 Pacific Time, 3/25/2024, with a total of 1 hour and 15 minute calling time. At the end, it was someone claimed that she is the manager, and told me that the Annual Hotel credit won't be applied until next credit card renewal date, which is a totally new and incorrect information.
      The credit card number is 4*** **** **** *841. I have already closed the credit card due to the bad attitude from the "manager", but I do suspect a racism from the "manager" because of my English with the accent.

      Business Response

      Date: 04/29/2024

      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:03/22/2024

      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.
      This is in regards to my Disney Chase credit card. I have been saving my rewards points since I first opened my card. This month I called to redeem my rewards and am missing the original amount of $400. When the rewards card was mailed to me it had $400 and as I accumulated more rewards I saved them on my rewards card. This month when I called to redeem them I was told I only had a certain amount. I asked for my case to be escalated- it’s been a month now and every time I call I’m told there is noting to do and they dismiss my concern. I’ve asked that all my statements from when I first opened my account be mailed to me and nothing. Every time I call I have to repeat why I’m calling and nothing gets resolved. I’ve been transferred to the escalation department and they act as if they don’t understand me. Disney Chase credit card is not helping me. My rewards are missing from when I first requested they be mailed to me. I have been saving them to buy my daughter her Disney pass. This is wrong and I demand that Chase do their job and find my original reward amount.

      Business Response

      Date: 04/03/2024

      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.

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

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