Business Profile

Bank

JPMorgan Chase Credit Card

Headquarters

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

Customer Complaints Summary

6,225 total complaints in the last 3 years.
2,518 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:12/29/2024
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.
Chase closed my credit card account w no notices my account is set up on auto drafts I'm not maxed out and I'm concerned this will report to my credit as a closed account because of a mistake on their end
Business Response
Date: 01/07/2025
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:12/27/2024
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 am a chase sapphire reserve credit card holder. On Dec 12, chase “adjusted” 51,708 points from my account; this carries an approximate value of $760. I have called chase multiple times but they are unable or unwilling to provide any information or credit me the points back. I am seeking these points returned or the dollar amount applied to my account.
Business Response
Date: 02/07/2025
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:12/18/2024
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.
Chase wrongly closed my Chase Sapphire Preferred credit card account (ending in 6833), but Chase was not able to reinstate this account. On 11/28/2024, I called Chase Marriott (1-800-338-5960) to inquire about any offers with my Chase Marriott Bonvoy Boundless card (ending in 5367) to offset the annual fee ($95) posted. The Customer Service Representative said no offer existed, then I agreed to close my Marriott card (ending in 5367) and transfer its available credit line to my Chase Freedom card (ending in 0352). On 12/3/2024, I found chase closed my Sapphire Preferred card (ending in 6833) instead of my Marriott card (ending in 5367). Right away, I called Chase Sapphire Preferred (800-493-3319) and explained this situation to the Customer Service Representative. This representative noted my concern and said I would receive a letter from Chase in 10 days. After that, I asked her to check if there were any offers with my Marriot account (ending in 5367). She said yes and can credit $50. Then I accepted this offer and kept my Marriot account (ending in 5367). On 12/17/2024, I received a letter from Chase (see attached). Chase was not able to reinstate my Sapphire Preferred card (ending in 6833) that was wrongly closed by Chase, not by myself. I was shocked about this decision. I have good reasons to think that the first Customer Service Representative checked the wrong card, found no offers, and closed the wrong card. I request Chase to reinstate my Sapphire Preferred card account (ending in 6833). I have no problem transferring back the credit line from my Freedom account (ending in 0352) if needed.
Business Response
Date: 01/07/2025
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:11/15/2024
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.
I am requesting a refund of rewards points equal to $30 to my rewards balance. On 11/10/2024, I contacted Chase Visa Support and spoke with ***** to inform her that I had purchased a $30 Amazon Gift card with my Chase Visa reward points. The issue came when attempting to make a purchase with the gift card; an error message popped up: "Gift card was redeemed." But I hadn't used it or bought anything yet. The Chase rep ***** said she would escalate to the Rewards Group to handle it. Per my request, ***** said she would forward my request for a refund of reward points (equating to $30) to be refunded to my rewards balance instead of a $30 Amazon gift card. The reason for that is I purchased the Amazon gift card to buy items that day to be delivered to my house within 5 days so I can give them to a guest who will be at my place in 5 days. I told ***** that I don't buy from Amazon much, if at all, which is why I canceled my Amazon subscription, and thus, I have no need for an Amazon Gift card. On 11/13, I received an email from Chase with a $30 Amazon gift card. I called Chase support and spoke to Nikils. He told me there was nothing he could do despite putting me on hold twice to talk to different groups, escalating my request to know if Chase Visa could do anything if they could not refund my rewards points. I asked him to relay the following in his second attempt to talk to another group within Chase Visa to resolve my issue, but he said there was nothing Chase could do. I am deeply disappointed that Chase Visa says they can't do anything so small as my request even though I am a loyal and excellent client of Chase Visa with the following attributes: 1. I have been a loyal client for 38 years. 2. I consistently have an excellent credit score, the most recent being 820. 3. I have 0 late payments I am writing to understand how Chase Visa treats its loyal and excellent clients and what you can do regarding my request.
Business Response
Date: 11/27/2024
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: 12/03/2024
Better Business Bureau: I have NOT received a response from Chase Visa. I checked my inbox, spam folder, and also the messages in my Chase Visa account. Please have them send their response again and let us know the date of the response, from whom the response is sent from and the method they are sending me the response e.g. email? and the email address they sent it to. Thank you, **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: 22561864
Business Response
Date: 12/23/2024
We responded to our customer's concerns by email on 12-23-2024. 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:11/01/2024
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.
My experience while applying for a credit card with Chase bank has been terrible. This has been the worst credit card application experience and I feel I'm not being treated fairly and my follow-ups with their customer service, sales and fraud departments has not been successful. I originally applied for the Chase Disney credit card on 10/20/2024. When I applied for the credit card, all I received was a generic email explaining that Chase would be in touch. 4 days went by and did not hear anything so I decided to follow-up by calling their credit card application department. The individual I spoke to explained that they needed more information to verify it was me. This was the first time I ever received such an unusual request, but I followed what the representative requested and uploaded my driver's license using the email the representative sent me. Days went by so I decided to call again on 10/30/2024. The first person I spoke to placed me on hold multiple times and the third time he returned, he then hung up without answering any questions. I then called back and once again, the representative put me on hold multiple times and then finally came back with a generic answer explaining "Ok, your application is now in its second review". I couldn't believe what I was hearing, because I have excellent credit, and a good debt to income ratio. I asked for an explanation and the rep could not explain why its taking so long. I then spoke to three reps following this person to escalate the situation. Once again, no reassurance on when I would get this resolved. I then called back today, asked for a manager. The representative said I would received a callback in 1 to 2 hours, and I did not receive a callback.
Business Response
Date: 11/05/2024
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: 11/06/2024
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: 22503484
Initial Complaint
Date:10/23/2024
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 am writing to express my concerns regarding recent interactions with Chase Bank, which I believe have not been conducted in good faith. In October, 2024, I encountered the following issues: Chase cancelled our settlement agreement made in May, 2024. I was given an option to pay one payment of $1,241.41 or two payments of $620.70 to settle a credit card debt. (Letter dated May 6, 2024) I chose the two payments of $620.70. I made the first payment on May 17, 2024 and the second on June 4, 2024 with checks numbered 64243318 and 64245805 and these checks were cashed by Chase Card Services. As you can see the two $670.70 payments equal $1,241.40. I received a letter, dated September 26, 2024, thanking me for accepting an agreement to pay $1,241.11, which is a lower amount than the initial agreement amount and the $1,241.40 payment that I previously made. Then, I received a letter dated October 8, 2024, informing me the settlement agreement was canceled. It was canceled after I made the payments they offered, and I agreed to and paid within the required time frame. As a customer, I expect fair and honest dealings. However, the aforementioned incidents suggest a deviation from these principles. These actions have caused significant inconvenience and have undermined my trust in that company. Please let me know if you need more information. Thank you for your attention to this matter. Sincerely,
Business Response
Date: 11/05/2024
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.
Initial Complaint
Date:10/22/2024
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.
Someone hacked my Chase bank account and took 1,950.00. via Zell without my authorization.
Business Response
Date: 10/25/2024
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: 10/30/2024
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 brought the matter to the authority to proceed the investigation.This transaction was not made by me in any kind circumstances. Regards, Complaint ID: 22458984
Business Response
Date: 11/07/2024
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:10/21/2024

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 took 2500 of my chase freedom points for a gift card that was supposed to be a multi-purpose gift card. I acquired this card to use it towards my home renovations at the store "Lowe's" and was told multiple times at Lowe's they will not honor this gift card and it is not redeemable for any credit or monetary value. I have asked chase repeatedly to please return my points since the gift card sent to me DOES NOT WORK AT LOWE's. Chase took my points/money and did not provide me with the service I was promised in return. Shame on you. The gift card # is ***** ***** ****84 / CVV2: 900 / Valid through 4/31. IT DOES NOT WORK AT LOWE'S BUT YET YOU STOLE MY POINTS.

Business Response

Date: 10/25/2024

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: 11/06/2024

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 fraudulently took my points under the false pretense that they would be redeemed for a season’s gift card, which was advertised as valid at Lowe’s. I planned to use it while renovating my house, only to discover that the gift card does not work at Lowe’s. I have already returned the non-functional card to Chase, yet they have not returned the points they unlawfully took from me. Chase continues to give me the run around and I am seeking recourse for my stolen points.

select

Desired Outcome:

Contact by the business; Refund

Regards,

Complaint ID: 22449527

Business Response

Date: 11/15/2024

Initial Complaint
Date:09/23/2024
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 reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report ACCOUNT NAME: JPMCB CARD ACCOUNT NUMBER: 414740XXXXXXXXXX Consumer Reporting Agencies play a crucial role in providing accurate information about consumers. As such, they have the responsibility to ensure that all reported information is as accurate as possible. I recently contacted JPMorgan Chase Credit Card regarding an account that has been inaccurately reported on my consumer report. I requested a thorough investigation and specifically asked for a copy of the alleged original application, bearing my signature, as proof of this account's validity. To date, they have been unable to provide such documentation. This lack of evidence is a direct violation of the Fair Credit Reporting Act (FCRA). According to the FCRA, disputed items that cannot be verified with sufficient proof may not legally remain on my credit report. I respectfully request the immediate removal of this inaccurate account from my consumer report. Thank you for your prompt attention to this matter. Sincerely,?
Business Response
Date: 10/01/2024
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:09/18/2024
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 am filing this complaint regarding a major issue with Chase's recent website update, which has severely impacted my ability to reconcile my financial transactions. Issues Encountered: Expanded Transaction List Resets: After expanding the transaction list to view more details, the list resets every time I navigate away and back. This forces me to repeatedly expand the list to access the needed transactions, which is highly inefficient. Sort Order Reset: The selected sort order (e.g., by date or amount) does not persist when navigating back from a detailed transaction view to the main list. This lack of persistence in sorting makes navigating through transactions extremely difficult. Duplicate Transaction Display Issues: When there are multiple transactions on the same date for the same amount, each transaction incorrectly shows the same order number. For example, as illustrated in the attached screenshot, two transactions on August 21, 2024, both list the same Amazon order number, despite being different. This error makes it impossible to differentiate between the transactions and properly reconcile my account. Difficulty Navigating Back to Transactions: The system fails to return me to the precise location in the transaction list after viewing individual transaction details, instead resetting the expanded list and sort order. Impact on Financial Reconciliation: Due to these issues, I am unable to reconcile multiple transactions in my account, affecting my ability to maintain accurate financial records. Despite multiple communications with Chase through secure messaging to address these issues, the responses have been dismissive and unhelpful, suggesting irrelevant solutions like clearing the browser cache or attributing the problem to third-party services. I urge Chase to investigate and resolve these problems immediately, as they are affecting the usability of their website and my ability to manage my finances properly.
Business Response
Date: 10/01/2024
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: 10/03/2024
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. None of the issues have been addressed. In fact, Chase’s first level service team apparently incorrectly closed the trouble ticket, so I was asked to submit the info, yet again, which I have done…in great detail.The multitude of new website bugs, still preventing customers from reconciling their financial transactions, must be addressed asap. Regards, Complaint ID: 22305604
Business Response
Date: 10/30/2024
We responded to our customer's concerns by email on October 30, 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.

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JPMorgan Chase Credit Card is NOT a BBB Accredited Business.