JPMorgan Chase

Complaints & Reviews on USAComplaints

1617 complaints on USAComplaints, including 1 published in the last three years.

• Improper billingPublished Jul 1, 2025 · Consumer allegation
• Chase must be run by MORONS! - the lender's name is ChasePublished Sep 28, 2013 · Historical consumer allegation
• Chase Bank is by far the most insensitive and irresponsible bank out there - personal bankingPublished Sep 28, 2013 · Historical consumer allegation
• Consumer ReportPublished Sep 18, 2013 · Historical consumer allegation
• Chase plays dirty poolPublished Aug 19, 2013 · Historical consumer allegation
• Chase at its worse!Published Aug 4, 2013 · Historical consumer allegation
• Incompetence at it's Best! - chase home financePublished Jun 17, 2013 · Historical consumer allegation
• Loan modificationPublished Jun 17, 2013 · Historical consumer allegation
• Screwed by Chase - home loan modificationPublished Jun 17, 2013 · Historical consumer allegation
• Consumer ReportPublished May 31, 2013 · Historical consumer allegation
• Consumer ReportPublished May 18, 2013 · Historical consumer allegation
• Chase Bank altering account chargesPublished May 17, 2013 · Historical consumer allegation
• ABYSMAL Customer Service and Impossible Hoops for Newlyweds - Mileage Plus Credit CardPublished May 17, 2013 · Historical consumer allegation
• Consumer ReportPublished May 16, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 24, 2013 · Historical consumer allegation
• Song Download costs $34.99!Published Apr 17, 2013 · Historical consumer allegation
• Loan Modficiation ProcessPublished Apr 17, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 12, 2013 · Historical consumer allegation
• Consumer ReportPublished Apr 9, 2013 · Historical consumer allegation
• Thank youPublished Mar 17, 2013 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts

• Official website: https://www.chase.com/
• Personal banking customer service (checking, savings, debit): 1-800-935-9935 23 complaints mention this number
• Credit card customer service: 1-800-432-3117 28 complaints mention this number
• Home lending (mortgage and home equity) customer service: 1-800-848-9136 25 complaints mention this number
• Auto loans customer service: 1-800-336-6675 15 complaints mention this number
• Report fraud on a personal credit card (option 2): 1-800-955-9060
• Chase complaints and feedback page: https://www.chase.com/digital/resources/complaints-feedback

Locations

Chase complaints: how to dispute a charge, report fraud, close a card, reach mortgage and auto servicing, and escalate (Chase's own pages, checked October 6, 2026)

The pages below were opened on October 6, 2026. This site's archive of posts about Chase is dated mostly 2000 to 2013, so many of those posts describe older products (Chase Home Finance loan modifications, Chase Manhattan, accounts taken over from Washington Mutual) rather than today's terms; this section covers the routes Chase and the regulators publish now.

Dispute a charge. Chase's dispute page says to review the charge, contact the merchant, and if it is “still not resolved” to “sign in to your Chase account, find the transaction, choose the arrow and follow the instructions to start a dispute.” Its FAQ says: “Submit your dispute within 60 days of the transaction first appearing on your statement,” and that “it may take up to 90 days for credit card and/or debit card disputes.” For credit cards the charge must have posted; for a pending debit card charge Chase says to call 1-866-564-2262. On the same page Chase says that for a credit card dispute “you are not required to pay for transactions and associated interest or fees that are being disputed and under investigation,” and that for a debit card dispute “most of the time, a provisional credit will be applied,” which “usually occurs within 48 hours but may take up to 10 business days.”

Report fraud. Chase's “How to report fraud” page lists, for personal checking, savings and debit cards, “1-800-935-9935, opt. 8”; for personal credit cards “1-800-955-9060, opt. 2”; for home lending 1-800-848-9136; for auto loans 1-800-336-6675. The same page gives 1-866-564-2262 for business checking and savings, while the dispute page gives 1-866-564-2262 for debit card customers; the two Chase pages differ, so use the number printed on the back of your card or the sign-in flow if in doubt. The page lists hours of Monday to Friday 8 AM to midnight ET and Saturday and Sunday 9 AM to 6 PM ET for personal checking, savings and debit card fraud, gives 1-800-227-5151 for auto leases, and says suspicious emails that claim to be from Chase can be forwarded to [email protected].

Zelle, wires and “safe account” calls. Chase's page on using Zelle safely says: “Once a Zelle payment is sent, it's usually final, and you most likely will not get it back,” and warns about callers who say there is fraud on your account and tell you to move money to a “safe” account: “Reputable banks won't ask you to move money to resolve fraud.” It adds that if you don't report check fraud promptly, “you may not get your money back.” See the litigation section for the CFPB's 2024 suit about Zelle and how it ended.

Close a credit card. Chase's educational article on canceling a credit card is written for credit card issuers in general, not as Chase's account-closing terms. Its general suggestions are to pay off the balance, redeem rewards, “call your credit card issuer to cancel your card” (it notes you may be given a counter-offer), check your credit report 30 to 45 days later, and destroy the card. For a product change to a different card, it says to “call the customer service number on the back of your current card.” Chase lists card customer service at 1-800-432-3117 on its customer service page; Chase cardholders who want to close an account should call the number on the back of their card.

Complain to Chase. Chase's complaints page offers secure messages after you sign in, a phone call through its customer service page, and X posts to @ChaseSupport with the instruction not to share account information. Customer service numbers listed on the contact page: personal banking 1-800-935-9935, credit cards 1-800-432-3117, home lending 1-800-848-9136, auto 1-800-336-6675.

Escalate. The CFPB accepts complaints about checking and savings accounts, credit cards, mortgages, money transfers and vehicle loans and says “Most companies respond within 15 days”; submit at consumerfinance.gov/complaint. Because JPMorgan Chase Bank, N.A. is a national bank, the OCC's HelpWithMyBank.gov lists Customer Assistance at 1-800-613-6743 (Monday to Friday, 7 a.m. to 7 p.m. Central). For credit card billing errors the FTC explains the Fair Credit Billing Act steps: write to the issuer's billing-inquiries address so the letter reaches it within 60 days after the first bill with the error was sent, the issuer must acknowledge within 30 days and resolve within 90 days.

JPMorgan Chase and Chase Bank USA: CFPB, OCC and state actions found in primary documents

The matters below come from the agencies' own pages and orders. Each consent order says Chase consented “without admitting or denying” the findings, except for facts establishing the agency's jurisdiction; the findings are the agency's, not court judgments.

Credit card add-on products (CFPB, 2013). The CFPB's administrative proceeding No. 2013-CFPB-0007 ordered Chase Bank USA, N.A. and JPMorgan Chase Bank, N.A. “to refund an estimated $309 million to more than 2.1 million customers.” The Bureau said Chase charged for credit monitoring and identity protection products “that they did not receive,” with monthly fees of $7.99 to $11.99, between October 2005 and June 2012, and required a $20 million penalty to the CFPB; the OCC's separate order added $60 million in civil money penalties. A CFPB order filed June 5, 2015 terminated the consent order, stating that Chase had provided about $309 million in redress to about 2.1 million consumers and paid the $20 million penalty on September 19, 2013.

Mortgage kickbacks, Genuine Title (CFPB and Maryland Attorney General, January 2015). The CFPB said JPMorgan Chase and Wells Fargo took part in a marketing-services kickback scheme with Genuine Title, a now-defunct Maryland title company; the consent orders required $600,000 in civil penalties from JPMorgan Chase (Wells Fargo $24 million). The $11.1 million figure the CFPB announced for redress was the combined total across the Wells Fargo and JPMorgan Chase orders; the CFPB's payments page for the JPMorgan Chase matter says “The consent order required Chase to pay the Bureau $300,753 in redress” and “This matter is now closed.” The CFPB enforcement page lists the matter as expired/terminated.

Debt sales and robo-signing (CFPB and 47 states plus D.C., July 2015). Proceeding No. 2015-CFPB-0013 against Chase Bank USA, N.A. and Chase BankCard Services, Inc. The CFPB's release says Chase sold accounts that were “inaccurate, settled, discharged in bankruptcy, not owed, or otherwise not collectible,” filed more than 528,000 collection lawsuits using “robo-signed” documents, and must permanently stop collecting on more than 528,000 accounts; it says Chase will pay at least $50 million in consumer refunds, $136 million in penalties and payments to the CFPB and states, and a $30 million OCC penalty in a related action. The CFPB page shows the matter as “Post Order/Post Judgment.”

Checking account screening reports (CFPB, August 2017). Proceeding No. 2017-CFPB-0015: the CFPB said Chase lacked required processes for reporting checking account information accurately to consumer reporting companies and kept consumers “in the dark” about dispute results; the consent order imposes a $4.6 million civil money penalty and is listed as expired/terminated.

Mortgage servicing (OCC, January 5, 2016). The OCC terminated mortgage servicing consent orders against JPMorgan Chase Bank, N.A. that were issued in April 2011 and amended in February 2013 and June 2015, and assessed a $48 million civil money penalty, finding that the bank violated the 2011 order from October 1, 2014 through June 30, 2015 and, between December 1, 2011 and November 19, 2013, filed bankruptcy-court payment change notices that did not comply with bankruptcy rules.

Trading-surveillance order (OCC, March 14, 2024; not a consumer-banking matter). The OCC's news release 2024-25 announced “a $250 million civil money penalty against JPMorgan Chase Bank, N.A.” related to deficiencies in its trade surveillance program, finding gaps in trading venue coverage and data controls, and said it also issued a cease and desist order requiring corrective actions. The OCC's April 2026 enforcement release lists an “Order Terminating the Consent Order against JPMorgan Chase Bank, N.A., Columbus, Ohio, dated March 14, 2024” (Docket No. AA-ENF-2026-17). This concerns the bank's market-trading oversight, not deposit accounts, cards or loans.

Newer action. The CFPB sued over Zelle in December 2024 (see the litigation section). In the sources checked on October 6, 2026, the CFPB enforcement page filtered for “JPMorgan” listed seven entries (five distinct matters, described above) and no pending CFPB enforcement action against JPMorgan Chase was identified in that search. This section is limited to the CFPB and OCC matters listed here and is not a complete list of every government action involving the company.

About JPMorgan Chase and the Chase brand: who runs the accounts

JPMorgan Chase & Co. (NYSE: JPM) is the holding company; its 2025 Form 10-K (filed February 13, 2026) says it is “a financial holding company incorporated under Delaware law in 1968,” based at 270 Park Avenue, New York, and that “under the J.P. Morgan and Chase brands, the Firm serves millions of customers, predominantly in the U.S.” It reports $4.4 trillion in assets and 318,512 employees at December 31, 2025. The 10-K names JPMorgan Chase Bank, National Association as its principal bank subsidiary, “a national banking association with U.S. branches in 48 states and Washington, D.C.” Chase's own pages say JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorganChase, and the OCC and CFPB orders above name JPMorgan Chase Bank, N.A. (Columbus, Ohio) and, in some, Chase Bank USA, N.A. (Wilmington, Delaware).

Consumer products sit in the company's Consumer & Community Banking segment, which the 10-K describes as offering products to consumers and small businesses through branches, ATMs and digital and telephone banking, including home lending, Card Services (credit cards) and Auto (loans and leases).

Older names in this site's posts. Older posts say “Chase Manhattan” (the SEC's record shows the registrant was formerly Chase Manhattan Corp until November 2000) and “Washington Mutual” or “WaMu.” On September 25, 2008 the FDIC was appointed receiver of Washington Mutual Bank and, in the FDIC's words, “transferred substantially all WAMU's assets and liabilities to JPMorgan Chase Bank, N.A.” Posts that name only Washington Mutual are not linked to this page because they describe a different company before that date.

Chase complaint record: BBB, Trustpilot, CFPB database and this site's archive (as displayed October 6, 2026)

These are separate sources and are not added together.

• BBB: the profile for JPMorgan Chase & Co. (headquarters listing, New York) shows a rating of A-, is “NOT BBB Accredited,” and gives “Failure to respond to 1 complaint(s) filed against business” as the reason for the rating. It shows 4,024 total complaints in the last 3 years and 947 closed in the last 12 months, and customer reviews of 1.14 out of 5 (“Average of 653 Customer Reviews”). BBB notes it publishes 1 out of every 5 complaints it handles. BBB's file was opened May 1, 1923, according to the page's own data.
• Trustpilot (chase.com): unclaimed profile, 1.3 out of 5 from 2,865 reviews, 565 in the last 12 months; Trustpilot says the company has “No history of asking for reviews,” so reviews may not be representative.
• CFPB Consumer Complaint Database (company name “JPMORGAN CHASE & CO.”): 177,005 complaints received from December 1, 2011 to October 1, 2026, 26,268 of them since October 4, 2025. The largest product groups as the database labels them are checking or savings account (48,179), credit card (28,967) and mortgage (25,800). The company's responses are shown as closed with explanation (141,909), closed with monetary relief (17,907), closed with non-monetary relief (13,506) and closed without relief (2,001); 96 responses are marked not timely. These are consumer submissions forwarded to the company and are not verified findings.
• This site's archive: 1,854 approved posts are linked to this page; 1,617 of them name Chase or JPMorgan Chase as the subject (dated 2000 to 2013, plus one from 2025), and the rest name Chase together with another business such as a card partner, Circuit City, Washington Mutual or a collection agency. Posts are users' accounts and are unverified. Machine-rewritten, duplicate and non-complaint posts are not linked.

JPMorgan Chase court and litigation record

The matter below was verified in the court's own order. The company's 2025 Form 10-K (Note 30) says the firm and its subsidiaries “are defendants or respondents in numerous evolving legal proceedings,” including class actions and consumer protection claims, and estimates reasonably possible losses above reserves of $0 to approximately $1.2 billion at December 31, 2025. Individual private class actions are not listed on this page unless a court or agency record was opened; consult the settlement administrator's site named in any notice you receive.

CFPB v. Early Warning Services, Bank of America, JPMorgan Chase Bank and Wells Fargo (Zelle). The CFPB's enforcement page says that on December 20, 2024 it sued, “claiming they failed to safeguard the Zelle network from fraud and other defects, which resulted in hundreds of millions of dollars in consumer losses.” The District of Arizona's order dated March 5, 2025 dismissed the case with prejudice “pursuant to Consumer Financial Protection Bureau's Notice of Dismissal (Doc. 39).” The order does not state a reason. Chase's own guidance on Zelle payments is quoted in the first section of this page.

New York Attorney General v. Early Warning Services (Zelle, 2025). The New York Attorney General's press release says she sued Early Warning Services, LLC (EWS), “a company owned and controlled by a group of the largest banks in the United States” that developed and operates Zelle, and describes EWS as owned by “a group of the country's largest banks, including JPMorgan Chase, Bank of America, Capital One, and Wells Fargo.” The release states that the suit followed the CFPB's dismissal of its similar case. The defendant named in that release is EWS, not JPMorgan Chase Bank, N.A.; the allegations are the Attorney General's, and this page does not list a docket or ruling for that case because none was opened.

Is JPMorgan Chase Legitimate?

JPMorgan Chase & Co. is a public company that files annual reports with the SEC (the 2025 Form 10-K was filed February 13, 2026), and its principal bank subsidiary, JPMorgan Chase Bank, N.A., is a national bank that the OCC and CFPB have issued orders against, as listed above. Chase's own security pages warn about impersonators: they say callers may pretend to be from the bank and ask customers to move money to a “safe” account, and that no legitimate bank would ask this.

This page also records the regulator orders listed above (each resolved by consent, without admission or denial), the complaint counts shown by the CFPB database and BBB, the Trustpilot figures as displayed, and the bank's published dispute, fraud and complaint channels. Complaints are allegations; BBB, Trustpilot and CFPB figures are shown separately and are not combined.

Court & Public Records

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

• Named as the collector: False Accusations and Charges From a Chase Account I Never Had
• Named as an affiliate: Consumer Report
• Named as an affiliate: Consumer Report
• Named as an affiliate: Chase Bank/JP Morgan Chase Bank Investment Officer opened an Annutiy Account without explaining to me in detail as to what this account was
• Named as an affiliate: Consumer Report
• Named as an affiliate: Consumer Report
• Named as an affiliate: Mers, rip off, accounting errors, over charged, loan mod, foreclosure
• Named as an affiliate: Saxon Loan Modifications, Rate Reduction, Payment Reduction, BS!
• Named as an affiliate: Lied on Modification
• Named as an affiliate: JP Morgan Chase FORGERY and written misrepresentations (FRAUD?) of business loan terms/loan origination documents, Chase Fraud Specialist rejects borrower's Fraud Claim while refusing to answer borrower questions
• Named as an affiliate: Not appropriate service and deliverate intent to foreclose on my home
• Named as an affiliate: Wamu bank add insurance had insurane made loan payment late contacted one to the other of the usa. Ripp off dishonest
• Named as an affiliate: Extreme ripoff, punishment too great for bounced check
• Named as an affiliate: Con Artists
• Named as an affiliate: Wamu reported theft of card and accused me of lying
• Named as an affiliate: Amazon.com/chase credit card Failed to make account auto pay and failed to notify me that account was unpaid
• Named as an affiliate: JP Morgan Chase Fraudulent Predatory Lending Elder Financial Abuse
• Named as an affiliate: Ripping off Wamu customers
• Named as an affiliate: Chase wamu offical/certified check was stopped paid by chase on 03-31 with no notification
• Named as an affiliate: J p morgan, homeside leanding. First chicago n-b-d mortgage. Www.chase.com www.fcnbd morgage. Www.chase.com first chicagi n-b - d mortage

Company Relationships

• Affiliated with: Washington Mutual Bank
• Affiliated with: First Republic Bank
• Affiliated with: J.P. Morgan Securities LLC

Frequently Asked Questions