Credit card or prepaid card -- Fees or interest -- Complaint #4571084
Complaint Overview
Complaint ID: 4571084
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Maryland
ZIP Code: 20854
Date Received: 2021-07-24T12:00:00-05:00
Date Sent to Company: 2021-07-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for the Chase Southwest Rapid Rewards credit card in XXXX, which has a {$69.00} annual fee. When I initially called Chase to ask about the terms, I got an impression that the annual fee was tied to my Southwest Rapid Rewards program, which would give me discounted flight prices. I used the card only a few times in XXXX and once in XXXX. I had not used the credit card for any purchase since XX/XX/XXXX, but had to keep this card active and paid the annual fee every year just to get the " member discount rate '' to fly Southwest, which was never true. Recently I got charged again for the {$69.00} of annual membership fee, and I called Chase to find out what they really meant by the membership fee. The person who talked to me on the phone told me that the fee has nothing to do with the price of Southwest flights. I then asked her to consider refund me the annual fees that I paid for XXXX through XXXX because I had never used the credit card and had a misunderstanding about the fee. She said she could only remove the fee for XXXX and by paying the annual fee, I got XXXX Southwest points each time. However, it doesn't sound reasonable to pay {$69.00} just to get XXXX points. I feel being misled and these charges are not fair.
Frequently Asked Questions
What is Complaint #4571084 about?
Complaint #4571084 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-07-24T12:00:00-05:00.
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 or prepaid 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.