Review Time
New fee is now $795. One benefit, an important one, is the $300 travel credit. Well this year they say we already got it, but we did not. Have called them 3 times 1 per week, they escalated, answer very polite and apologetic, but somewhere in their company somebody does not care and nothing has been done, why??
Do they really care or just train to say 'I am sorry and do nothing'!
Hard to cancel as have accumulated points and have used the points to book hotels that will use in a few months. Very frustrating. Also they have a new benefit, the Hotel Edit Program with a $200 credit if booked and they give you free breakfast and $100 to spend in the hotel, but it will NOT accumulate points if you get the $200, kind of think we are dummies. Shame on Chase for the slow response and for trying to think we just see the benefits without going in detail. Very dissappointed with Chase!!
New fee is now $795. One benefit, an important one, is the $300 travel credit. Well this year they say we already got it, but we did not. Have called them 3 times 1 per week, they escalated, answer very polite and apologetic, but somewhere in their company somebody does not care and nothing has been done, why??Do they really care or just train to say 'I am sorry and do nothing'!Hard to cancel as have accumulated points and have used the points to book hotels that will use in a few months. Very frustrating. Also they have a new benefit, the Hotel Edit Program with a $200 credit if booked and they give you free breakfast and $100 to spend in the hotel, but it will NOT accumulate points if you get the $200, kind of think we are dummies. Shame on Chase for the slow response and for trying to think we just see the benefits without going in detail. Very dissappointed with Chase!!
Chase Sapphire Reserve offers Emergency Evacuation insurance, but refuses to provide a "Certificate of Insurance that the tour operator wants to prove you have coverage. They will provide for a car rental but not for evacuation? Since tour operators want proof, the coverage-which is an important part of justifying the $795 annual fee, it means you have to buy added coverage from a third party!!
Chase Payment Processing's reason for freezing $54,462.89 of my company's clients and customers' fiduciary funds:"We terminated your merchant services account ending in 5924 for contract violation under Subsection7.1B of the agreement we provided you when you opened the account.We have placed funds totaling $54,462.89 in reserve due to the account termination. These funds willremain in reserve until the 180-day post-termination period has passed, to cover any exposure to the firm.We may require a reserve to protect us against risks from your use of the service, including chargebacks,refunds, and card network liabilities, or to protect our ability to collect and recover amounts you owe us,as described above. We will notify you of the amount of any required reserve, which we will determine ingood faith. We will hold and control any required reserve.When we determine that the reserve is no longer needed, we will return all unused reserve funds to you.Our right to require a reserve will survive termination of this Agreement. This means this section willremain in effect even if you or we terminate the Agreement."The Consumer Financial Protection Bureaus report:The complaint process is complete, and your complaint is now closed.We have taken the following additional actions on your complaint: We added your complaint to the CFPB’s Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.We appreciate your participation in the complaint process and your feedback on the company’s response. Both are important to us and consumers who may have similar issues and concerns."If you value your company and its reputation and resources, you will not use Chase Payments Merchant Services.
no computer online service available, with over a decade with same computer and internet I.P., without speaking and sharing private financial information with a foreign operator each time I wish to maintain my business relationship with Chase online. while all my other banks provide seamless online business, seriously considering excluding Chase from my portfolio.
Travel Insurance Benefit is an Absolute Nightmare: Over a Year of Delay Resulting in DenialThe so-called "travel insurance" provided by Virginia Surety Company, Inc., as a core benefit of my Chase card, has proven to be nothing more than a cruel, bureaucratic nightmare, especially in a time of crisis. After having to cancel a trip due to the sudden, tragic illness and eventual passing of a family member—a situation that should unequivocally qualify under any reasonable policy—the claims process became an unforgivable ordeal. Despite diligently uploading all required documentation, including the tragic circumstances that led to the cancellation, my claim for non-refundable airline tickets was dragged out for over a year. The process involved endless delays, zero empathy, and frustrating radio silence, only to culminate in a final denial. This benefit is advertised as peace of mind, but in reality, it is a deliberate and cruel obstacle course designed to wear down claimants, hoping they will simply give up.For a Chase card that carries significant annual fees and purports to offer premium benefits, this abysmal claims administration is frankly embarrassing. I spent countless hours over twelve months resubmitting documents and chasing status updates, only to have the claim denied on technical grounds that fundamentally ignore the devastating reason for the cancellation. The experience, which should have been a straightforward application of a promised benefit, instead added immense stress and financial loss to an already heartbreaking family tragedy. Prospective cardholders need to understand that this benefit is functionally useless. Do not rely on Virginia Surety Company, Inc. or Chase's card benefits to be there for you when you need them most; you will lose your money, and you will be utterly let down.
We’re just a few months into using our new Chase credit card, and already we’re running into frustrating inefficiencies. I made two payments from our Chase checking account to our Chase Visa card—one yesterday and one today. The funds were immediately debited from our checking account, yet the available credit on the card hasn’t increased.When I called customer service, I was told it takes up to three days for payments to post. That explanation doesn’t make sense—these are internal transfers within the same bank. Even the representative agreed and said she would escalate the issue. So why the delay?It feels like Chase is profiting off this lag—collecting interest while withholding available credit. In my opinion, this is a form of double dipping. Big banks should not be using internal inefficiencies to their advantage, especially when the money has already left the customer’s account.Imagine if someone is paying a cash advance rate or carrying a balance with high interest—those extra three days can be costly to the consumer and profitable for the bank. This kind of delay undermines trust and transparency.ps. I gave 2 stars because rep sounded sincere on the phone. I could tell she did not how to explain the situation, as she could not.
Purchased 4 United Airlines tickets on the Chase UA card. The flight was canceled, so we lost a day of vacation. Filed the paperwork to show incurred expenses. As of Feb 2026, Chase UA and Virginia Surety refuse to cover any loss.
Chase held $12k of my money.I paid $12k in advance of my due date of my Chase Sapphire card as I was about to use it on a trip. I paid Chase from my B of America money on July 27. I went to check on my Sapphire balance on July 31 and the payment was NOT posted. I called Chase to find out they wanted to hold my 12k to ensure that the money was confirmed from B of America.....huh? WTF? 2 banking institutions take this long to know my funds are legit? My credit balance was around $200 so if I purchased something with Sapphire over $200, it would be rejected even though I paid the $12k on my balance. I escalated this and got a supervisor that merely apologized. I informed the supervisor that I know the call is recorded and if someone above her would not contact me by COB Friday, I'll start talking about his in social media. This is just the start. Chase sucks. Nobody called. Chase held my $12 for ransom.
At one time, one of the best perks about having a Visa card was the insurance provided on rental vehicles when paying for the hire with the Visa card. Many years ago, we hired a car in England and experienced a tire blow-out and the coverage we had through the credit card took care of the cost of a new tire. Although some documentation was required, it didn't seem especially onerous nor did we wait an excessively long time for the refund. Fast forward to 2025... Oh, how things have changed! Beware when hiring a car overseas and think twice if you expect that Visa card coverage will easily handle minor vehicle damage. We rented a car from Europcar and presented their clerk with documentation of our U.S. based Chase Bank Visa card rental car protection plan. Despite the documentation, we had a compulsory $5K hold put on our card for the privilege of renting from them. The agent explained that the Visa card perk would not cover things such as tires and other minor damages, so we should take their 'protection plus' coverage to cover "anything" not covered by Visa and that by having such coverage it would take care of "everything" if there was any damage whatsoever to the vehicle. Protection Plus cost Ten Euro per day. We were surprised to find that the car did not pass inspection when we returned it. The agent inspecting the car said that she saw a problem with the rim on one of the wheels and immediately chose to bill us 190 Euro for it. Although we had photos of the car when we picked it up, we didn't have close-up images of every wheel rim (and we were unaware at that time of Europcar's predatory practices). So, we didn't deny that maybe some very minor damage to a rim could have happened while the car was in our care, but pointed out to the agent that we paid for "protection plus" coverage so that even if we were responsible for the damage, there should NOT be any charge for it. The woman said she didn't even know what the company's "Protection Plus" is! (Talk about stupid!). We couldn't reach anyone at Europcar by phone whilst still at the airport, so, we figured that a good way to take care of that would be to contact the benefits department at Chase Bank to put in a claim. That's when we became aquainted with their automated phone system for claims and received information on processing requests. To call the process a pain in the neck would be an understatement. Documents for claims processing by the third party insurer Virginia Surety requires the following: 1) "Statement from your insurance carrier or proof of not other insurance; 2) Rental agency's incident report; 3) Rental agency's 'demand letter'; 4) first and final rental agreements; 5) monthly billing statement showing purchase amount; 6) police report; 7) "primary insurance policy's declarations page; 8) "Repair estimate and itemized repair bill"; 9) Two photographs of the damaged rental car. Such requirements would make sense for a major collision -- but for scuffing on a wheel rim or minor damage to a tire? Who files a police report for THAT! And bear in mind that the documents sent by Chase Bank say that each of the documents listed are REQUIRED to process a claim! Given that we had no response to our email from Europcar and were unable to reach them by phone, we don't have any documents from them to support their claim that we caused damage to the car. Furthermore, we were unaware of damage to the car, so there isn't any accident report nor police report! So, we decided to handle the matter with the bank by entering a dispute with a charge-back to Europcar for the fraudulent 190 Euro charge. There were also other charges by Europcar that we cannot reconcile with the receipts we have. That matter is complicated by the fact that Chase Bank could not provide us details on the costs we incurred in Euros; they can only confirm amounts in U.S. Dollars (yet they are a multi-national bank... go figure!). Dissatisfied with Chase Bank Visa's claims processing system, I called the bank's benefits management department to report the fact that their system is geared to handling major incidents/collisions and NOT very minor damage such as we were being charged for. The agent I spoke with had a good command of English, but not the wit required to fully comprehend my complaint nor my request that a disclaimer be added to their Claim Processing Guidance document to indicate what specifics are needed for those claims, such as a personal narrative, photo and a bill. She was passively rude and inattentive. I had to ask if she was still there on the line and she repeated some script more than once about the 'required' documents. In this rigamarole, I found that tires/rims ARE covered by the Visa perk -- yet they don't make it easy to claim for them.
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JP Morgan Chase Bank, NA, doing business as Chase Bank, is a national bank headquartered in Manhattan, New York City, that constitutes the consumer and commercial banking subsidiary of the US multinational banking and financial services holding company...
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