Credit card -- Other features, terms, or problems -- Complaint #11823221
Complaint Overview
Complaint ID: 11823221
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: Minnesota
ZIP Code: 564XX
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This issue is with Chase Credit Card and XXXX XXXX XXXX XXXX. XXXX offers XXXX XXXX benefit to customers earning XXXX points within a calendar year including credit card referral bonus points. Towards the end of XXXX I was up to over XXXX XXXX qualifying points. I referred a credit card that was applied for and approved on XX/XX/XXXX around XXXX. Chase terms state can take up to 8 weeks to receive the XXXX bonus points. Normally I have received referral bonuses on the following month. I called Chase on XX/XX/XXXX and they said wait the full 8 weeks. I called back on XX/XX/XXXX, XXXX and they said message them. I messaged them on XX/XX/XXXX and then called again on XX/XX/XXXX. Finally they said they found the referral and sent the points XX/XX/XXXX. I then called XXXX and explained I had completed the steps on my end but there was an issue with Chase that prevented these points from applying within the year. XXXX stated someone will call me back. On XX/XX/XXXX I received an email from XXXX stating I did not complete the requirements in time. I called XXXX on XX/XX/XXXX and they requested I submit a complaint on their website. I submitted a complaint on their website and am finally submitting a complaint to CFPB as this is still not getting resolved. I have completed all advertised requirements to earn XXXX XXXX as advertised by XXXX and Chase, and due to an issue with Chase they are not awarding me the benefit they advertise. I find it suspicious that the referral towards the end of the year that would earn XXXX XXXXXXXX goes missing until 9 days after the deadline and then they find it and now say oops you didn't earn XXXX. Also worth noting, on XX/XX/XXXX, I went on a trip with my son that cost XXXX points for my sons ticket which should have not as he should have been my XXXX.
Frequently Asked Questions
What is Complaint #11823221 about?
Complaint #11823221 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-01-28T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.