Credit card or prepaid card -- Trouble using your card -- Complaint #4740727
Complaint Overview
Complaint ID: 4740727
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Ohio
ZIP Code: 45503
Date Received: 2021-09-21T12:00:00-05:00
Date Sent to Company: 2021-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I applied for a Southwest Rapid Rewards Visa through Chase Bank. I applied because, even though there is a {$69.00} annual fee, there was a promotion providing {$200.00} statement credit on the first flight purchased and I was in the middle of booking tickets to see my grandson for his birthday. I applied, got approved, and the pop-up advised that the card was linked to my Southwest account for immediate use. The card information was present, but the purchase was continuously declined because I was missing information. The Southwest account identified that the 3 digit security code from the back of the card was missing. After numerous attempts to contact Southwest and Chase, I was ultimately transferred to Chase from Southwest customer service. Chase advised that my only option is to wait 7-10 business days for the card, to then make the purchase, at which time the fares would change, or use a different card, which would negate the reason for applying and result in a loss of the statement credit. I requested for the card to be expedited. Representative XXXX advised that Chase does not expedite credit card issuance, contrary to what research suggests. XXXX advised that the only assistance that could be provided is to close the account or wait for issuance. I elected to close the account, but as this is a known Chase/Southwest issue , dating back over 4 years, this should be investigated, as I and others view this as a bait-and-switch tactic.
Frequently Asked Questions
What is Complaint #4740727 about?
Complaint #4740727 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-09-21T12:00:00-05:00.
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.