Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Name : XXXX XXXX Claim Numbers : XXXX, XXXX, XXXX Total Claim Amount : {$1000.00} Card : Chase Sapphire Preferred -- - Dear Chase Card Benefits Team, My name is XXXX XXXX, and I am writing to formally request a full secondary review and resolution of my recently closed claims regarding Trip Cancellation/Interruption and Trip Delay benefits associated with my Chase Sapphire Preferred card . 

This letter is intended to consolidate the relevant claim history, clarify the circumstances, and respectfully request your direct attention and reconsideration based on the facts and supporting information outlined below. 


-- - Trip Overview and Disruption Details : Original Flight : XXXX XXXX XXXX  XXXX ( XXXX XXXX ) Original Departure : XX/XX/year> Original Arrival : XX/XX/year>, XXXX XXXX  local time ( XXXX ) Passengers : Myself, my spouse, and two children ( ages XXXX and XXXX ) total of four travelers On the day of departure, we were notified that our original flight was canceled due to operational constraints. We were rebooked onto an alternate route via XXXX, requiring a 3.5-hour drive each way to XXXX XXXX XXXX XXXX which added significant logistical strain and expense. 

However, upon arriving at XXXX XXXX XXXX, our connecting flight to XXXX was also canceled. We were subsequently rebooked on Flight XXXX, which departed on XX/XX/XXXX at XXXX XXXX, and we finally arrived in XXXX on XX/XX/XXXX at XXXX XXXX  local timeover 18 hours later than originally scheduled. 

This disruption clearly qualifies as both a Trip Cancellation/Interruption and a Trip Delay, materially affecting our travel plans and triggering eligibility for benefit coverage under both provisions. 


-- - Claim History and Issues : XXXX. Claim # XXXX Trip Cancellation/Interruption Submitted initially. 

Closed with guidance to refile under Trip Delay benefits. 



XXXX. Claim # XXXX Trip Delay Filed per previous guidance. 

Closed again, this time advising to refile under Trip Cancellation/Interruption. 

Feedback also cited that my claim amount ( {$1000.00} ) exceeded the {$500.00} benefit cap. However, per the policy, this is a per-person limit, meaning a total of {$2000.00} is available for our family of four well above our actual claim amount. 



XXXX. Claim # XXXX Trip Cancellation/Interruption Refiled due to the closure of the Trip Delay claim. 

Closed again, marked as a duplicate without notification. 




Additionally : I was never proactively notified of any of the closures after the initial claim. 

I had to call in to learn that the secondary review was also denied, again without any communication. 

All required documentation, including proof of payment and flight itineraries, was submitted in accordance with the guidelines. 



-- - Request for Reconsideration : Given the multiple contradictory directions, lack of notification, and the clear and well-documented nature of our trip disruption, I respectfully request the following : 1. A comprehensive review of all three related claims as a single incident under the applicable benefit terms. 


2. A full reconsideration of the claim amount of {$1000.00}, which is well within the allowable benefit limits for a family of four. 


3. A clear, written explanation of any decisions made, should a denial be upheld something not provided to date. 




-- - I sincerely appreciate your time and attention to this matter. Please let me know if there is any additional documentation needed from my side to facilitate a thorough review and a fair resolution. 

Thank you for your consideration. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with monetary relief