Complain About JPMorgan Chase - File a Complaint Today

Another random fee from Chase? It’s infuriating. You’re not alone in this. The Better Business Bureau has logged over 10,400 complaints against them in the last three years alone, and their Trustpilot score is a dismal 1.3 stars. It's a sea of one-star reviews complaining about everything from terrible customer service and account management nightmares to incorrect billing and unresolved fraud claims. People are fed up with being ignored or passed between departments. It feels like you have to fight for every single dollar they wrongly take. If you've hit your breaking point, you're in the right place. We'll walk you through how to actually get a response. Visit JPMorgan Chase

Last Edited on 29 Oct, 2025

Olivia Harper, Senior Content Manager

7 min read

Best ways to complain to JPMorgan Chase

Contact Method	Details & Availability	Why use this instead
Phone	1-800-935-9935 (Personal Banking, 24/7)	Best for urgent issues like fraud or locked accounts.
Secure Message	Via Chase.com or the Chase Mobile app (24/7)	Creates a written record of your conversation. Good for non-urgent, detailed complaints.
Social Media	Twitter/X: @ChaseSupport	Public complaints can sometimes get a faster, more visible response.
In-Person	Visit a local branch (Check local hours)	Useful if you need to speak face-to-face or handle complex paperwork.

Estimated Response Times from JPMorgan Chase After Complaining

They'll say 'immediate,' but honestly, it feels like you're shouting into the void sometimes.

Method	Expected Wait Time
Phone	Immediate to 1 hour (hold times can be brutal)
Secure Message	24 to 72 hours
Social Media	1 to 8 hours
In-Person Branch	Immediate (depending on queues)

Tips to Get a Quicker Response from a Complaint

Call During Off-Peak Hours: Try calling early in the morning (around 8 AM ET) on a weekday to avoid the longest wait times.
Have Everything Ready: Before you call or write, have your account number, dates of transactions, and any reference numbers handy.
Be Clear and Concise: State your problem and what you want in the first 30 seconds. Don't bury the lead in a long story.
Use the Secure Message Center: This creates a timestamped paper trail that you can reference later if you need to escalate the issue.
Stay Calm but Firm: Frustration is understandable, but being clear and firm is more effective than yelling. You're in the right, so state your case with confidence.

How to Escalate Your Complaint

If Chase support is giving you the runaround, it's time to escalate. Don't just keep calling the same number.

Step 1: Internal Escalation When you're on the phone, use the magic words: "I'd like to speak to a supervisor or manager." If they resist, politely insist. The first line of support often can't approve refunds or fix complex issues.

Step 2: External Escalation (The Real Power Move) If a supervisor doesn't solve it, go straight to an external body. For a bank, your best weapon is the Consumer Financial Protection Bureau (CFPB).

What it is: The CFPB is a U.S. government agency that protects consumers. Banks are legally required to investigate and provide a substantive response to complaints filed through the CFPB, usually within 15 days.
How to File: Go to the CFPB complaint website. The process is straightforward and takes about 10-15 minutes.
What to Expect: Filing with the CFPB gets their attention fast. Seriously, a complaint from a federal regulator lands on a different desk than a standard customer service call. You will likely hear from a specialized resolution team at Chase.

You can also file with the Better Business Bureau (BBB), but the CFPB has more regulatory teeth for financial institutions. The BBB works, but prepare to wait. Chase usually responds, but it might take a reminder or two.

Email Template to Complain to JPMorgan Chase

Subject: Formal Complaint: Unresolved Fee on Account #[Your Account Number]

To Whom It May Concern,

I am writing again to resolve an incorrect overdraft fee of $[Amount] charged to my account on [Date]. This is my second attempt to have this issue corrected, following a phone call on [Date of call] with a representative where no resolution was reached (Reference #[Reference Number, if you have one]).

The charge was made in error, as my account was positive at the time of the transaction in question. Having to spend my time tracking this down and making multiple contacts has been incredibly frustrating.

To resolve this, I require you to issue a full reversal of the $[Amount] fee within the next 5 business days. Please also send a written confirmation to this email address once the credit has been applied.

If I do not receive a satisfactory response by [Date 5 business days from now], my next step will be to file a formal complaint with the Consumer Financial Protection Bureau (CFPB).

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name] [Your Phone Number]

Additional Helpful Tips to get Your Complaint Resolved

Ask for a Reference Number: At the end of every single call, ask for a ticket or reference number. It's your proof that the conversation happened.
Mention You're a Long-Time Customer: If you've been with them for years, say so. Sometimes, loyalty can get you routed to a more experienced retention specialist.
Use Keywords: When explaining your issue, use phrases like "unauthorized charge," "billing error," or "failure to provide service." These are specific terms that can trigger a more formal review process.
Send a Physical Letter: For major issues, some users on Reddit report success by sending a registered letter to Chase's corporate headquarters. It sounds old-fashioned, but it can't be ignored like an email can.

Let Pine AI Help Raise the Complaint to JPMorgan Chase

Tired of navigating Chase's automated phone maze just to be put on hold? Or sending messages into the void of their 'secure' message center? Sound familiar? It's a draining process designed to make you give up. Let Pine AI handle it. We'll draft the complaint, send it through the right channels, and manage the follow-ups. No hold music. No repeating your account number for the fifth time. Just give us the details and we'll take it from there. It's time to get your issue resolved without losing your sanity.