We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Bank

JPMorgan Chase Credit Card

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Bank.

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

Find a Location

JPMorgan Chase Credit Card has 304 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 6,422 total complaints in the last 3 years.
    • 2,571 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.

    Sort by

    Complaint status

    Complaint type

    • 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.



      Desired Outcome:
      Contact by the business; Refund







      Regards,


      Complaint ID: 22449527


       



       


       

      Business Response

      Date: 11/15/2024

      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:09/23/2024

      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 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:
      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 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.

    • Initial Complaint

      Date:09/14/2024

      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 Bank has provided the worst customer service I've ever experienced. As a financial institution, they fail to protect their customers' money, and it's disgraceful that they can operate with such incompetence. I'm disgusted by their appalling customer service, which leaves me speechless.

      I reported two fraudulent transactions on my business credit card, but their dispute team mishandled the situation by incorrectly categorizing them as billing errors. The transactions in question were $384.35 on June 27 and $1,853.82 on July 1, both on my Ink Preferred card ending in 5263. They approved the dispute for the smaller amount and credited me. However, on September 13, I was charged again for this very same transaction that had already been credited. I have a notice from Chase confirming the dispute was approved.

      Both transactions occurred on Alibaba, a Chinese wholesale website, and were shipped to an address in New Jersey—a location where I do not live and have never lived. Despite proving that these were fraudulent transactions and showing that the shipping address didn’t belong to me, Chase only reversed the smaller amount and left me liable for the larger one. After speaking to their fraud department, I was told both transactions were verified as fraud, and I was issued a new card. But even after this confirmation, both charges reappeared on my account on September 13.

      How does a company change its stance so often and call this "professional" customer service? It feels like a joke. Chase seems to give customers the runaround to avoid taking responsibility for fraud. I demand that both transactions be permanently reversed, and I want my account closed immediately. I'm sick of Chase playing games, and this matter needs to be escalated to an executive who will take it seriously.

      Business Response

      Date: 09/20/2024

      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:08/30/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The company is providing fraudulent information on their Chase Travel website. I booked a flight for my mother (****** *********) for travel from PVD to FLL on September 3, 2024 using my Chase Freedom credit card via the Chase Travel site. I specifically used this method of booking the flight because according to the booking, ticket refunds are allowed (please see uploaded snapshot). There is no "X" or "$" next to the ticket refund category to indicate that it is not allowed or requires a fee as does appear for some of the other categories. My mother was admitted to the hospital on 8/30/24 due to a medical emergency and was scheduled for surgery to take place on 9/1/24 and advised that she should not travel on Tuesday 9/3. I called Chase Travel to indicate I was not seeing the option to cancel online on my end and required their assistance and their response was that ticket refunds are not allowed, despite their website showing so. Trip ID 9G3S8MXBK, Airline confirmation: DSMNRI

      Business Response

      Date: 09/30/2024

      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: 10/02/2024

      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: 22222183




       


       


       

    • Initial Complaint

      Date:08/13/2024

      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 purchased several pieces of art from several providers in a short span of time. When following up on my finances I found one of the art merchants (“Andy Okay”) had three charges listed on my statement when only two were authorized.

      When working with the Andy Okay support / finance department they confirmed that they only received the two authorized payments. The third payment was rolled off my statement when I disputed with Chase, but its clear that Chase was charging me $134 fraudulently and not paying that amount on to the merchant they listed.

      Business Response

      Date: 08/16/2024

      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:08/08/2024

      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.
      Dear Better Business Bureau,

      I am writing to file a formal complaint against Chase Bank regarding the unacceptable behavior of multiple customer service representatives, the unauthorized disclosure of my sensitive personal information, and the lack of progress on my account investigation.

      On July 31, 2024, I spoke with ********* **** ** *******, as I was calling about my credit card account. During the conversation, Ms. ******** read back my full Social Security number without my authorization. When I expressed concern about this unauthorized disclosure, she became defensive and made rude comments.

      I requested to speak with her supervisor, who also defended the representative's actions and claimed it was acceptable to read back my full Social Security number.

      Subsequently, I spoke with ***** from the Executive Office on today 08/08/2024. ***** exhibited unprofessional behavior by interrupting me, dismissing my concerns, and refusing to provide requested information. He also claimed that Chase policy allows for the full recitation of a customer's Social Security number without explicit authorization.

      To date, I have not received any updates on the investigation into my account issue. The lack of communication and progress is extremely frustrating.

      I request that the Better Business Bureau investigate this matter and hold Chase Bank accountable for its actions. I am seeking a resolution that includes appropriate disciplinary action for the representatives involved, a full and transparent investigation into my account issue, and the implementation of policies to prevent unauthorized disclosure of sensitive personal information.

      The unauthorized disclosure of my sensitive personal information, including my Social Security number, has caused me significant distress and anxiety. I am concerned about the potential for identity theft and financial harm

      Thank you for your attention to this matter.

      Sincerely,

      Business Response

      Date: 08/19/2024

      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:08/05/2024

      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 have tried to file a trip cancellation claim due to our flights being canceled leaving us stranded in Vancouver. I supplied ALL of the documentation requested by eclaimsline and chase but my claim is STILL being denied stating that I didn’t show a document showing any credits or refunds the airline gave me. I have attached everything from Expedia and WestJet showing I was never given a single credit or refund. I have even attached my credit card statement supporting this information. My claim still gets denied asking me to show any refunds or credits. I was told if I don’t provide this information in 60 days that my claim would be permanently denied and I would not get a refund. I once again called and explained that I gave them everything. The rep always says yes everything is submitted properly and is now under a “internal review”. After a few days I get the same email stating I have to show where they gave me credits and refunds. I once again show them my credit card statement along with WestJets statement where I’m not entitled a refund due to Canadas policies on things outside the airlines control. Expedia also said they follow WestJets refund policy which is again no. At this point, all of the promised benefits of travel protection are seeming like a scam as they keep repeating the same email over and over and I call them BEGGING to tell me what to supply them and they tell me I have submitted everything properly. My claims benefit number is *********5-001.

      Business Response

      Date: 08/13/2024

      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:07/26/2024

      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 June, I received a call from Chase regarding a credit card ending in 5139 with a balance of approximately $2776.11, including interest charges and additional fees. I was completely unaware of this account, as I have never opened any credit card with JP Morgan Chase Bank, indicating that this is a fraudulent activity. I immediately informed Chase, and they assured me they would investigate and follow up with me.

      However, on July 22, I received a call from "Client Services Inc," a debt collector with Reference # 38388832, informing me that Chase had reported the account to collections. Chase did not send me any notification prior to this action, despite it being a clear case of fraud. I reiterated to the collection agency that I have never opened any credit card with Chase. They informed me that they would initiate a case with Chase and transferred the phone call to Chase.

      The representative from JP Morgan Chase Bank was exceptionally rude and accused me of being guilty, despite my clear lack of involvement in this matter. He threatened me to make the payment, despite my clear lack of responsibility for the fraudulent charges. It is evident that someone has gained unauthorized access to my personal information and fraudulently opened a credit card in my name. I am not responsible for any fraudulent activities conducted under my name.

      I am seeking a resolution to this issue and I am not liable for any charges on the card that I never opened.

      Business Response

      Date: 08/06/2024

      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: 08/14/2024



      "I have not received any resolution from Chase Card Services. I am seeking a resolution, as I am not responsible for an account I did not open or for any transactions I did not perform."


       

      Business Response

      Date: 09/03/2024

      We responded to our
      customer’s concerns in our letter dated September 3, 2024. To protect our customer’s privacy, we are not providing
      you with the details of our resolution. Our customer may use their discretion
      in sharing our response directly with you.

    • Initial Complaint

      Date:07/25/2024

      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 opened a credit card 3 months ago, by mistake chase bank used my EIN number on that card (it's supposed to be a personal card). Now I can't access to pay the card because is not linked to my user in the chase mobile banking, I contacted the bank and they said they need to fix the mistake and change the EIN by my SSN, I spent more than 3 hours on the phone, and nobody was able to fix it, they transfered me from one department to another. I'm out of country because of a family issue, without a date to return to US and they are sending me emails because my payment wasn't done, charging me with late payment fees and saying they will cancel my card if I don't pay but I can't pay because is not in my account!. I need a solution urgent

      Business Response

      Date: 08/08/2024

      We responded to our
      customer's concerns by letter. 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: 08/10/2024

      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.

      i just received an email 5 days ago from someone saying they will review the issue, and that was all. No solution yet 






      Regards,


      Complaint ID: 22043548


       



       


       

      Business Response

      Date: 08/30/2024

      We responded to our customer’s concerns in our letter dated August 30, 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.

    JPMorgan Chase Credit Card is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.