JPMorgan Chase & Co. Credit Card Complaint

Transaction issue

JPMorgan Chase & Co. Credit card department,

Transaction issue Massachusetts

I bought a new dishwasher from - over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?

JPMorgan Chase & Co. customer in Massachusetts
Aug 17, 2016

* Source: CFPB Complaint Database

JPMorgan Chase & Co. response to complaint:
Closed with explanation

Consumer disputes how JPMorgan Chase & Co. handled their complaint

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