Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am submitting this complaint due to a series of serious failures by Chase related to my Chase Sapphire Reserve card, which have resulted in financial loss, major travel disruption, and ongoing inability to use the card while traveling internationally. 
This issue began when I was booking flights through a Chase-affiliated booking experience that displayed what appeared to be a promotional card comparison or offer. When I clicked the offer, I was unknowingly taken through a one-click credit card application with instant approval. At no point was it clearly disclosed that I was submitting a live credit card application, nor was I given a meaningful opportunity to review or confirm that I was applying for a specific card. Once the application was processed, it could not be reverted. 
As a result, Chase approved me for a card I did not intend to apply for. When I then attempted to apply for the Chase Sapphire Reserve card I actually wanted, Chase denied the application, citing too many recently opened accountsa condition caused directly by Chases own application process. This created a situation where Chases system error or design prevented me from obtaining the correct product. 
Resolving this required an extraordinary amount of effort. Over the course of several days, I spent more than six hours on the phone across over 20 separate calls and was required to submit multiple credit reconsideration requests in order to correct an issue that originated from Chases promotional application flow. 
After finally being approved for the correct card, I was explicitly told by Chase that the card would be overnighted to me. Because I had international travel planned within 14 days and needed the card to book flights, this timing was critical. Contrary to what I was promised, the card took five days to arrive. Chase sent the card to the opposite side of the country before routing it to me, adding over 1,000 miles of unnecessary transit. This delay forced me to postpone my trip and jeopardized my ability to obtain a passport in time.

Because of this delay, flight prices increased by over {$1000.00}, and my ability to book the necessary flights was put at risk. I was also unable to bring a second passenger due to these complications.

When using Chase Travel to manage my flight booking, I encountered another critical issue. Chase Travel would not allow me to check in or provide a boarding pass unless passport information was supplied for both passengers, even though I could not remove the second passenger from the booking. Since I did not have passport information for the second person, I was unable to check in or take the flight. As a result, I had to cancel and rebook two separate flights at significantly higher cost. 
I contacted Chase immediately to report these issues. At that time, Chase still had not responded to my original complaints related to the card application and delivery issues, which had already been open for weeks. I was told the matter was escalated and later requested a second escalation, with assurances that a supervisor would review the case within 2448 hours. It has now been more than two weeks since that promise, and I have received no response, follow-up, or resolution.

Since arriving on my trip, the Chase Sapphire Reserve card I obtained specifically for this travel has repeatedly failed and has been unusable for purchases. This has forced me to rely on ATMs, incur unfavorable exchange rates and fees, and make additional trips that raised safety concerns, particularly at night. The cards failure has also required me to place business travel expenses on personal cards, creating additional administrative and financial complications.

I have called Chase multiple times regarding these unresolved issues and have submitted three complaints through Chases complaint portal. The portal states complaints will receive a response within one business day, yet over the course of more than a month, I have received no response, no phone call, no written explanation, and no remedy. 
At this point, Chases repeated failures, lack of communication, misleading application flow, and inability to provide basic card functionality represent a significant service breakdown that has caused measurable financial loss, travel disruption, and ongoing harm.

Company response to consumer: Closed with explanation