• Report: #792068

Complaint Review: JP Morgan Chase

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  • Submitted: Tue, October 25, 2011
  • Updated: Tue, October 25, 2011

  • Reported By: Chelsea — Glendale California United States of America
JP Morgan Chase
270 Park Ave. New York, NY 10017-2070 Nationwide United States of America

JP Morgan Chase Chase Consumer Credit I should have been rewarded double points under Chase's credit card policy for the purchases in question and they LIED to me about what qualified. Nationwide, Nationwide

*Consumer Comment: What do the rules say?

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I would like JPMorgan Chase to reward me the double points promised for the purchases in question.

I am fully capable of providing the documentation to prove these purchases qualify under the double reward points program, however I was told incorrect information TWICE by two different customer service representatives about what information was necessary in order to have my purchases qualify under this program when I called in specifically seeking this information.

I called in on two separate occasions and spoke with two different customer service representatives asking them what exactly was necessary to prove a purchase qualified under the "home improvement" category. I was told both times that all I needed was to provide proof that the purchase was indeed for home improvements. More specifically, that even if I made the purchase on PayPal (which is a much less credible merchant transaction source than the one actually used...i.e. no need for business license etc.) all I would need would be proof that the purchase was indeed for a contractor (i.e. provide proof of business license) and a copy of the services rendered.

When I saw that my reward points for these purchases were not being counted as double points I called in to customer service to straighten out the situation. I was THEN told that in order for purchases to qualify under the "home improvement" category the merchant had to be registered under "general contractor" category. My merchant set up his credit card account under the "miscellaneous" category and therefore I was told AFTERWARDS that this was absolutely necessary in order to qualify for double reward points. I asked every question I could possibly think of to find out what was necessary and was never told this information. Had I been told this I surely would have either gone with another contractor, made certain that my contractor set up his merchant account correctly, or not ever put the charge on my credit card in the first place.

This report was posted on Ripoff Report on 10/25/2011 01:29 PM and is a permanent record located here: http://www.ripoffreport.com/r/JP-Morgan-Chase/nationwide/JP-Morgan-Chase-Chase-Consumer-Credit-I-should-have-been-rewarded-double-points-under-Chas-792068. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

What do the rules say?

AUTHOR: Flynrider - (USA)

I asked every question I could possibly think of to find out what was necessary and was never told this information. "

   A much simpler way to go about this is to read the program rules.   I don't have the same card as you, but I do have a Visa and Mastercard that offer increased rewards in certain promotional categories.   I've read the rules for both and they had one thing in common.   The bonus rewards were allocated only for transactions that carried a specific category code (i.e  controlled by the merchant).  Here's an example from the rules for a card that is currently offering double points on gas purchases :


"The transaction must be assigned the merchant category code of 5542 or 5541. Purchases made at a gas retailer that does not process transactions under these codes will not qualify to receive double points."

  Plain and simple.     It's up to you to find out whether the merchant is using the right category.   There's no way they have the personnel to review every transaction and make a decision.

   You can ask 10 different bank employees (from any bank) the same question and get 10 different answers.  What really counts is what the rules state and those are pretty simple to look up.


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