Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding the denial of a Trip Delay Reimbursement claim associated with my Chase XXXX XXXX XXXX credit card. I purchased international airfare for my family using my Chase XXXX XXXX XXXX card for an XXXX itinerary traveling from New York ( XXXX ) to XXXX, XXXX via XXXX. The airfare was charged to my Chase card, and documentation confirming the charge and ticket purchase was provided to the benefits administrator. On XX/XX/2025, our departure from New York ( XXXX ) to XXXX was delayed by approximately three hours due to inclement weather. As a direct result of this weather delay, we missed our originally scheduled connecting flight from XXXX to XXXX. XXXX automatically rebooked our family on the next available flight from XXXX to XXXX, which departed approximately twenty-four hours later than our originally scheduled connection. This resulted in an extended travel delay and additional expenses. The missed connection in XXXX was not an independent event. It was directly caused by the inclement weather delay of the departing flight from New York. Because the covered hazard prevented us from continuing our itinerary as scheduled and required rebooking approximately XXXX hours later, the delay meets the criteria for Trip XXXX reimbursement under the XXXX XXXX XXXX benefits guide. Under the Trip Delay Reimbursement benefit associated with the XXXX XXXX XXXX card, delays caused by inclement weather are listed as a covered hazard. The trip also qualifies as a covered trip because the airfare was purchased using the covered Chase credit card. Despite providing documentation confirming both ( 1 ) payment of the airfare with the covered Chase card and ( 2 ) a delay caused by inclement weather, my claim was denied. The denial letter stated that the covered card was not used to pay for the fare and that the delay was not caused by a covered hazard. Both of these statements are inconsistent with the documentation that was submitted. The airfare was charged to my Chase XXXX XXXX XXXX card, and the itinerary disruption was caused by inclement weather, which is explicitly listed as a covered hazard under the Trip Delay benefit. I submitted a reconsideration request with supporting documentation, including my credit card statement and travel records. The reconsideration request was also denied without addressing the documentation demonstrating eligibility. I am requesting that Chase conduct a proper review of the claim based on the documented facts and the terms of the XXXX XXXX XXXX Trip Delay Reimbursement benefit and provide reimbursement for the eligible expenses associated with the covered delay. I have attached the following documentation : Credit card statement showing the airfare charge XXXX ticket receipt and itinerary Claim denial letter and reconsideration denial Documentation from the airline showing the rebooking following the weather delay from XXXX and the resulting missed connection. I respectfully request that Chase reevaluate this claim consistent with the terms of the XXXX XXXX XXXX Trip Delay benefit.

Company response to consumer: Closed with monetary relief