Business Profile

Bank

JPMorgan Chase Credit Card

Headquarters

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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

6,226 total complaints in the last 3 years.
2,521 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:02/13/2025
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.
*This letter continues in the uploaded section as there is not enough space here. Apologies for the length but details are necessary. I want to express to the BBB and Chase how disappointed, upset and disgusted I feel due to the way Chase has chosen to handle my mother’s joint credit card account with my deceased father. My father passed away in October 2021. Under the guidance of our estate lawyer we immediately sent my father’s death certificate as soon as we received it to the various banks my father had accounts with - Chase being the only one he had a credit card account with. My mother called the Chase Estate Services line and notified them of my father’s death. She then sent the death certificate via snail mail to the address provided by the customer service agent. Shortly after sending in the death certificate when it was time to get new credit cards my mother didn’t receive a card for my father which made sense to her as she had notified Chase. She never thought once to question if the death certificate was received nor was she told over the phone when she originally called the Estate Services line anything about her not being able to use her credit card account. She continued to use her credit card as normal after his death. Fast forward three years later, my mother tried to log into her account as she wanted to use her points to book travel for the first time but had trouble doing so so she called customer service. Customer service asked to speak to the primary card holder. My mother, baffled, responded that she was the primary card holder. The customer service representative told her that there was another name. My mother was surprised and responded the only other name would be her husband but he passed in 2021. She was transferred to another department. Immediately and coldly, without much explanation, the new representative said that the card account was being canceled immediately. **to be continue in uploaded supporting documents
Business Response
Date: 02/25/2025
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.
Customer Answer
Date: 03/03/2025
Better Business Bureau: I received a phone call from Chase but have not found a time that my mother and I are both available during the business hours given to discuss a resolution. We are planning to call Chase next week when our work schedule allows. Therefore this case has not yet been resolved.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. Regards, Complaint ID: 22940264
Business Response
Date: 03/18/2025
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:02/13/2025
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.
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block. JPMCB CARD 424631 BAL: $6,849.00 ADDRESS: PO BOX 15369, WILMINGTON, DE 19850
Business Response
Date: 02/20/2025
We responded to our customer's concerns by letter on February 20, 2025. 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:02/07/2025
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.
Made payment of $3600 on Jan 31st, leaving balance of around $50. On February 6, got charged $51.53 for interest. Could not pay balance to 0 because there is a credit coming. The interest should not be close to same as balance. Spoke with ****** about issue. She did agree but refused to correct issue. I want thr interest refunded since it is close to the same amount of balance.
Business Response
Date: 02/10/2025
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.
Customer Answer
Date: 02/12/2025
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 Refuse because they called me and said they are refusing to reverse the interest charges that was applied after payment was made. The charge was almost same as the remaining balance. Regards, Complaint ID: 22913719
Business Response
Date: 02/28/2025
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:02/07/2025
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 have not had a chase account in quite some time. I am still getting credit alerts “from my account” they they closed. I can not unsubscribe via one click in the email and it says I have to go to an account that doesn’t exist for it. I am not waiting on their stupid phones to not get someone who know how to remove me from the email list. REMOVE ME FROM THE EMAIL LIST BECAUSE I DONT HAVE AN ACCOUNT WITH YOU.
Business Response
Date: 02/12/2025
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.
Customer Answer
Date: 02/12/2025
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. They called me after I asked for no more contact and they have yet to do anything to fix the error. I’m still getting communication even though I have asked a dozen times to be left alone and had to resort to bbb. I asked for no more communication and for all of my contact information be erased. They have yet to prove they have done this. Regards, Complaint ID: 22911977
Business Response
Date: 02/26/2025
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:01/30/2025
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 had a balance of $48,847. I paid $48,800 towards the balance on January 6, 2025. Chase then charged me an additional $426 Interest after I paid the balance down to $47. Now they are requiring a minimum payment of $430 when my balance should be $47 plus interest on that balance. If I don't pay the minimum by the due date, they will add the larger interest charge again to my statement. I spoke with them and asked them to work with me in a way that was reasonable for me to manage and pay but they insist that they will not offer any solutions except to continue to charge the larger interest charge every month if the balance is not paid in full. Birthday *********** CC# last four digits.....****
Business Response
Date: 02/05/2025
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:01/20/2025
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 the last quarter of 2024, Chase ran their Freedom card promotion - make purchases through PayPal and receive 5% cash back. Explicitly responding to this offer, on Nov 10, 2024, I placed an order for medical equipment totaling $489.58, for which PayPal issued an itemized invoice for the purchase. Instead of receiving the promised 5% cash back of $24.48, however, I was charged 5% as a “cash advance” fee, plus another few dollars interest. I attempted to rectify the situation with both Chase and PayPal, but they were anything but helpful. Chase insisted that the transaction was run as a cash advance, so could neither be corrected nor disputed and would never qualify for any cash back. They claimed that the transaction was run using MCC code 6012 (Financial Institutions). PayPal insists that they did not run the charge as a cash advance and that they cannot run transactions as cash advances. Obviously, they’re being obtuse or intentionally misleading, because people can and do take cash advances to their PayPal balances. Although I never received the cash that I allegedly advanced (I only received products valued at that amount), there is no way to dispute such a transaction. My state attorney general helped me reach out with a complaint, but Chase doubled down, issuing a refund for the interest, but insisting that the fees and rebate accounting are legitimate, disregarding the evidence and providing no recourse for the obvious accounting error. Due to these scammy practices, PayPal and/or the merchant save the processing fees, about 3.2%, and Chase saves the remaining 6.8%, while I’m out $48.96.
Business Response
Date: 01/28/2025
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.
Customer Answer
Date: 02/03/2025
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 have attempted to work with Chase to communicate the problem with their system. They gave me the runaround, requesting again the same documentation I supplied in this complaint. They said if I could show evidence that the transaction was run improperly, they would make things right. But when I spent the time and energy to send the documentation again, they reviewed it and said it doesn't matter what the documentation says, they refuse to provide any assistance in correcting an improperly-categorized transaction. Michelle confirmed that the merchant is allowed to improperly categorize a transaction and reap financial benefits to both Chase and PayPal at my expense. There's nothing I could have done differently or could do differently in the future to avoid this fraudulent transaction. Because there is no recourse for this fraud, I consider this to be a scam of PayPal and Chase.Since it's not worth the hassle and expense of filing a lawsuit, I'm stuck to absorb the loss. The best I can do is warn others to avoid using Chase and PayPal and especially the two together. Regards, Complaint ID: 22833858
Initial Complaint
Date:01/19/2025
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.
My husband is supposed to be on this account. Each time, he gets added as temp proxy. When he calls in or I call in he has to use my info cause he is not properly added. Then I ask this - How much time should one spend on calls trying to add an employee/authorized user that should already be on it. Evidently two hours and 10 people until you get ****** in Missouri call center. Problem with ****** was he was the rudest of all the call reps even though he fixed it. Jesus - everyone hires call centers but not everyone hires terrible call centers or call centers that you forget to train or give them tools beyond tell the customer what they want to hear but don't do anything. Just really poor. And, I was trying to move miles and the flight disappeared. I don't even expect much from Chase and you hit a new low.
Business Response
Date: 02/03/2025
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.
Customer Answer
Date: 02/06/2025
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.

Regards,

Complaint ID: 22832833

Chase Manhattan Bank continues to not acknowledge the shortfalls in their customer service. Utilizing 3rd party contractors that have limited support tools is the major part of the problem. They also, as acknowledged by Chase, use a model for accessing the Exec Team that is driven by a hand written letter mailed to a mailbox. It is intentional. It is cumbersome. It lacks any sense of semblance that things might be time sensitive. In answer to how my mother, who is blind, would be reasonably accommodated for this challenging model, they offered to give 20k miles. Fix the system and don't buy people out when you are wrong. Call in and see for yourself.

Beyond that, I asked to speak to the person above the Rep named ***** and he refused to allow me the time to do so. He said no.

It was done until this message was the reply which is consistent with their lack of support but seems to lack any sort of closure.

Business Response
Date: 02/25/2025
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.
Customer Answer
Date: 03/13/2025
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. They have yet to respond. I am still waiting for the followup. As mentioned in the follow up complaint, ******* has called twice. Both times I picked up the phone and he went silent and pretended not to have a connection. I then immediately called him. Went straight to VM. Then immediately called the main exec office number and was told he was in a meeting both times two minutes after his call. Regards, Complaint ID: 22832833
Business Response
Date: 03/13/2025
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
Initial Complaint
Date:01/08/2025
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've been charged finance charges for purchases made during the billing cycle.. I called and spoke to Vince who refused to look at the accounting. I calculated this multiple times and billing is incorrect. This is about the principle of being charged for something and not being listened to or heard by the "customer service" representative. No effort to look into this matter was made. I will be paying this balance off completely on February 5, 2025 and will close this account because no matter how little this charge is, I will not deal with poor customer service and being charged fees that are not accurate no matter how little they are. I pay a $150 fee every year for this stupid card! It is the principle.
Business Response
Date: 01/09/2025
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.
Customer Answer
Date: 01/14/2025
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, the reason I filed this complaint in the first place is below: I filed the complaint so they would know why I am choosing not to do business with them. It wasnt about a tiny finance charge, it is about their business practices and the way i was handled by all Chase reps involved. When they called me, they informed me that I was being charged finance charges on charges that had not even receive a bank statement. I have never been charged a finance charge for a purchase I made just days before my next statement came out. That is crazy. Their customer service was total crap all the way to the top. They did nothing to resolve my issue, but were argumentative just as the customer service representatives were. I have a $45,000 line of credit with this bank and pay them $95 fee per year. You would think I'd be treated better than I was. I will close my credit card account with Chase and never do business with them again. I just wanted all of this on record. You can close this complaint now. Thank you for your assistance. Regards, Complaint ID: 22784152
Initial Complaint
Date:01/05/2025
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 bank offered a Chase offer for 15% for ********. This Chase offer expired on November 30, 2024. I checked off this offer and made an Order online on November 28 for $59.15. I have yet to receive the 15% off for the Chase offer on my credit card statement. It was posted December 1 however I provided management with my receipt that I purchased it On November 28. I called Chase bank twice regarding the situation and talk to a manager both times and they just keep saying they’re transferring the issue, but there is now been over a month and a half and nothing has been done.
Business Response
Date: 01/08/2025
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:01/05/2025
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.
On Dec 15th, I booked a flight from Nashville to Vancouver (via Dallas) through Chase Travel (Trip ID: 3P54KX7GS). On Dec 24th, I received a delay notification from the airline for my first flight, which would make me miss my connection. I contacted Chase Travel, and the agent promised a full refund (points and money) if I canceled. During our conversation, she never mentioned that this trip is non-refundable. She even said she has contacted the agent from airline, and they said my scheduled flight was not affected, while I did received a delay email. (Now I even doubted whether did she actually checked the flight with airline or checked the wrong flight). I didn't correct that description (my flight was not affected) because she promised me confidently that I will get a full-refund. And at the end of our call, she said she has canceled this trip and clearly stated that “you'll get your 10 thousand points back in next few hours and $216.72 back in several business days". Despite the promise of a refund, I have not received my $216.72 or 10000 points. Therefore, yesterday I called Chase travel again to figure out why. After their investigation (thanks to the recordings of our previous calls), they admitted that the agent did provide the wrong information, but there is nothing they can do because my trip is non-refundable, and transfer me to a benefit department. After that, I was repeatedly transferred between departments, none taking responsibility. The lack of resolution and unprofessional handling of this matter are unacceptable. After that, I feel really really disappointed for Chase, and called back to Chase travel. Another agent got this call and said she needs more time to investigate. Until this morning, I didn't receive any message or call from Chase yet. I seek a full refund ($216.72 + 10,000 points) as promised by the Chase agent. This issue arose due to the flight delay and misinformation provided by Chase Travel, neither of which were my fault.
Business Response
Date: 01/08/2025
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.
Customer Answer
Date: 01/10/2025
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: 22770439

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JPMorgan Chase Credit Card is NOT a BBB Accredited Business.