ComplaintsforJPMorgan Chase Credit Card

• Initial Complaint

  03/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  9/19/23 merchandise has been returned and received by the merchant; The dispute was opened with Chase during the return process. The merchant takes returns through a third party DHL. Chase closed the dispute without rectifying the matter. The merchant has refunded 1 of 2 returned pieces of merchandise but not the other. The merchant has been contacted and provided proof of the return. Chase has been notified that the merchant has all merchandise but has failed to refund the charge despite contact attempts. Chase refuses to complete the investigation despite their promise of no fraud liability. I obtained the following info for disputes: Chase Credit Card Disputes Fax#: 888-643-9624 Card Member Services PO Box 15299 Wilmington, DE 18950

  Business response

  03/18/2024

  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

  03/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  2/1/2024 paid bill due 2/27/2024. Received call from Chase 3/8/2024 said my February payment was late. They admitted a February payment was made but credited it to January. Said my billing cycle began on the 2nd so I am late and they are sending it to the credit bureaus as late payment. I still can’t find the “billing cycle” date on the bill. My husband is a retired disabled veteran and I am also disabled. We pay our bills at the start of the month and always pay over the due amount. It is strange their billing cycle is 25 days prior to the due date. Now I have to pay over $700 before 3/27/2024 to bring my account current. Thieves!!!

  Business response

  03/19/2024

  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

  03/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to dispute a credit issue concerning a debt allegedly owed to JPMCB Card Services. Despite multiple attempts to resolve this matter directly with JPMCB Card Services, I have been unsuccessful in obtaining the necessary documentation to validate the debt and clarify my obligations. According to my credit report, the account details are as follows: Creditor: JPMCB Card Services Reported: Feb. 18, 2024 Balance: $10,530.00 Credit Limit: $11,500.00 Payment History: Last Payment: Dec. 30, 2019 Current Payment Status: In Collections/Charge-off Amount Past Due: $10,530.00 Worst Payment Status: No Info Account Status: Derogatory Type: Flexible Spending Credit Card Responsibility: Individual Remarks: Charged off as bad debt, Canceled by credit grantor Times 30/60/90 Days Late: 0/0/0 Closed: Jun. 17, 2018 I am formally disputing this debt for the following reasons: Lack of Contract: I have no contractual agreement with JPMCB Card Services and have never entered into any financial arrangement with them. Failure to Provide Documentation: Despite my requests, JPMCB Card Services has not provided me with the original contract or any documentation proving that I am liable for the alleged debt. Lack of Verification: The burden of proof lies with the creditor, and JPMCB Card Services has failed to provide sufficient verification of the debt's validity. Consumer Rights Violation: I believe that my rights as a consumer have been violated by JPMCB Card Services' refusal to provide essential documentation and their insistence on pursuing this debt without proper validation. I respectfully request that the Better Business Bureau intervene on my behalf to resolve this matter by removing the reported debt from my credit report. I urge you to investigate this dispute thoroughly and assist me in reaching a fair and equitable resolution. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,

  Business response

  03/26/2024

  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 response

  03/30/2024

  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 wish for details to be shared with me. Regards, Complaint ID: 21403388    

  Business response

  04/09/2024

  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

  03/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a formal complaint against Chase for issues related to the Hyatt Chase Credit Card promotion that I participated in. I applied for the Hyatt Chase Credit Card on May 4, 2023, attracted by the promotional offer which promised a $300 statement credit and 5,000 bonus points upon spending $3,000 within the first three months.Despite fulfilling the spending requirement, I only received the 5,000 bonus points and did not receive the $300 statement credit. Upon noticing this discrepancy, I contacted Chase customer service for resolution. Initially, I was informed that it would take 18 weeks for the statement credit to be applied. However, after the indicated period passed without any credit being applied, I reached out again for clarification.In subsequent communications, Chase erroneously stated that I had received my statement credit. However, this was incorrect as the amount in question was actually a partial refund from the Hyatt Hotel due to an early departure, not the promised promotion. When I attempted to clarify this issue and provide evidence to support my claim, the communication from Chase became inconsistent and unhelpful. Despite my efforts to resolve the situation by providing the necessary information, Chase has ceased to respond meaningfully to my inquiries and has provided conflicting information regarding the promotion I was supposed to receive.It is distressing and disappointing to experience such a lack of accountability and customer service, especially in relation to a promotion that was a significant factor in my decision to apply for the card. I have made several attempts to address this issue directly with Chase, to no avail. At this point, I am seeking the BBB's assistance in resolving this matter. I am attaching screenshots, the 320.43 was not a statement credit. But a deposit I paid and got refunded.

  Business response

  03/12/2024

  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 response

  03/14/2024

  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 don't appreciate 5 calls within 3 minutes from Chase. What more evidence would you want, you can see when I signed up for the card. There was 5k points and a statement credit. I have a message from Chase that I received the credit and I let them know they were incorrect as I only got a refund from a hotel I booked. And no one has reviewed my screenshots regarding that matter. I was told I had received it because I qualified. And then you're telling me I didn't. So obviously I don't trust chase. It's not even about the statement credit anymore it's about the blatant disrespect and borderline harassment for calling me multiple times. So fine, don't honor and I will still continue to tell and report wherever I can that this was false advertising and that's illegal.  Regards, Complaint ID: 21402431    

  Business response

  04/04/2024

  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.

• Initial Complaint

  02/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  JPMCB account number 123110XXXXXXX has violated my rights in accordance with 15 U.S. Code § 1681a - Definitions; rules of construction(2)EXCLUSIONS-Except as providedin paragraph (3), the term "consumer report" does not include--(A) subject to section 1681s-3 of this title,any=(i) report containing information soley as to transactions or experiences between the consumer and the person making the report; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681b Permissible purposes of consumer reports (a)In general Subject to subsection (c),any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (2)In accordance wih the written instructions of the consumer to whom it relates. 15 U.S. Code § 6802 - Obligations with respect to disclosures of personal information (a)NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. (b)OPT OUT (1)IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless— (A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party; (B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and (C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

  Business response

  03/05/2024

  We responded to our customer in our letter dated 3.5.2024 . To protect our customer's privacy, we are not providing you with a copy of the letter. Our customer may use their discretion in sharing our response directly with you.

• Initial Complaint

  02/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I bought a product and disputed it on my credit card because I didn’t receive it and the merchant would not respond to my emails. The tracking number says it was delivered on 11/09/23 which didn’t happen. I disputed the charge on the app on 11/10/23. I got a credit from chase and then they had rebilled my account in December due to “no response”. They had reached out to me via phone call but I had a spam blocker on. The letter says I received the merchandise which is not true. The information Chase provided to me was that merchant said it was delivered on 11/09/23…. I HAD CALLED IN ON 11/10/23 stating that didn’t happen! I work on the disputes department at another bank. Per Visa regulations, proof of delivery DOES NOT equal proof of receipt. Also, Visa literally states that the cardholder must SIGN authorizing a package to be left without a signature, I did not do that. Therefore, they should have maintained my case but they didn’t. I reached out to the dispute’s customer service asking to speak to some in the dispute department that worked my case… well apparently disputes department doesn’t do calls. Do you know how frustrating that is? They can make decisions about my money but don’t have to explain or hear me out when it’s incorrect? There was no reason to need to call back in December as I literally provided all the info needed and they are saying that I needed to reassert that I didn’t receive merchandise. Why would I need to retell the same thing I already said on 11/10? I work at a bank and if merchant provided delivery date before the dispute start date, we can maintain without reaching out to the cardholder.

  Business response

  03/14/2024

  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

  02/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Dear JPMorgan Chase, I am writing to address a concerning issue that has recently come to my attention and is impacting my financial well-being. On May 2020, a late payment was reported to all three major credit bureaus under my name. This late payment is inaccurate and unjustified, as I have consistently maintained timely payments on my accounts. As a long-standing customer with JPMorgan Chase since 2016, I have always held your institution in high regard and have entrusted my financial matters to your esteemed organization. However, I am deeply disappointed and frustrated by the significant impact this erroneous reporting has had on my credit score and subsequent financial opportunities. This mistake has not only damaged my creditworthiness but has also hindered my ability to access loans and secure reasonable interest rates, causing undue stress and inconvenience. I urge you to investigate this matter promptly and rectify the error to restore my credit standing to its accurate and deserved status. Furthermore, I am concerned whether this incident reflects a pattern of inaccuracies within your reporting systems. I am left questioning whether other customers may have experienced similar issues, and if so, how they have been addressed. I implore you to take immediate action to correct this error and provide me with assurance that steps will be taken to prevent such mistakes from occurring in the future. I believe in the integrity and reliability of JPMorgan Chase and trust that you will handle this matter with the seriousness and urgency it warrants. I kindly request prompt communication regarding the resolution of this issue and any steps I need to take to expedite the process. Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. Sincerely,

  Business response

  02/29/2024

  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

  02/09/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received an extremely unprofessional email from Chase who I had a Southwest Airlines Rewards Visa Card with. I called them upon receiving this message and after explaining the situation with a representative from Chase I was hung up on. Never has anything like this happened to me ever from any company. I made a return call and was hung up on again. I explained to them to cancel my card immediately, the card has been destroyed. They have been calling my cell, sometimes 2-3 times a day and leaving no message of any kind. These are the numbers: 800-914-2279 & 877-412-2004 I have given them an annual fee charge of $80 for the past several years. After this treatment I want a check from that company for $240 sent directly to me at my home address for the worst customer service I have ever seen. If I get any more phone calls from them after your contact I will seek legal council for something that is utterly ridiculous.

  Business response

  03/01/2024

  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 response

  03/05/2024

  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. They have not responded in any way whatsoever. They continue to robot call, their customer service is crap! Regards, Complaint ID: 21272089    

  Business response

  03/20/2024

  We responded to our customer’s concerns in our letter dated March 20, 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

  02/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Multiple added fees. Back in September 2023 I paid off the entire balance for my Amazon Prime visa card before my military PCS to Germany. Because of the move and mail not making it to me, there was a statement that was sent in October that did not make it to me until December. At this time, the balance was around $120. I called the company 12/12/2023 and they informed me that they would remove a late fee and I paid the remaining balance of around $90 again and told them to close the account. Now it is Feb 2024 and I have received another statement for $121.53. They have also made a late remark on my credit report causing my score to drop. I would like for the $121.53 to be removed and my account with them completely closed. I would also like every fee they have charged me over the life of this account refunded to me. The last thing I would like is for them to adjust the remark on my credit report.

  Business response

  02/28/2024

  We responded to our customer’s concerns in our letter dated February 28, 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

  01/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have a Chase Southwest Performance Business Card. One of the benefits of this card is that if I refer friends and they get a card I get 20,000 Southwest miles. I referred two friends in November (40,000 miles) and I referred two friends in December (40,000) miles. Chase credit a closed account with these miles. The account was closed January 24, 2022, almost two years ago! These miles should have been credited to my current open account. I've called Chase customer service on 3 different occasions about this. All of the reps I spoke to insisted that, although the miles were credited to a closed account, the miles would be sent to Southwest because the Southwest Rapid Rewards numbers are the same. The last rep I spoke to insisted Chase sent the miles over and it was a Southwest problem. I spoke to Southwest and they escalated and said Chase is refusing to send the miles because this is on a closed account. I also have one written correspondence stating this, it is attached. This is an error on Chase's part. Why would I refer friends using a closed account? I don't even understand why Chase would allow this to be done. The card was closed almost 2 years ago. If Chase does allow this, it is a deceptive practice and should be illegal, as it is cheating credit card customers out of benefits that are entitled to. These miles are valued at $1200 and an error in Chase's system caused this issue. I would like Chase to honor the benefit and credit these miles to the correct, open account.

  Business response

  02/12/2024

  We responded to our customer’s concerns in our letter dated February 12, 2024. To protect our customer’s privacy, we are not providing you with the details of our resolution. Our customer may use their discretion in sharing our response directly with you.

  Customer response

  02/16/2024

  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: 21217785
  

   

   

   

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