How to Resolve JPMCB Card Debt

George Simons | January 13, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: When JPMCB contacts you about a debt, it's important to act fast. If you've already been sued by JPMCB, Solo can help you draft an Answer to the lawsuit, settle your debt before going to court, and push the case out of court and into arbitration.

Seeing an unknown credit account on your credit report can be very unsettling. Even more concerning is the thought that it could be ruining your credit score or, worse, a case of fraud. So, being concerned about a JPMCB account on your report is understandable.

JPMCB, which stands for JPMorgan Chase Bank, is the credit card provider arm of JPMorgan Chase & Co. The company was created in December 2000 when JPMorgan & Co. merged with Chase Manhattan. It offers a variety of credit cards and other financial services.

Keep reading to learn more about JPMCB, how the company works, what happens if they contact you about an unpaid debt, and how to pay off your JPMCB Card debt.

Settle debt with JPMCB

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Who does JPMCB collect for?

Since JPMCB provides a wide range of financial services, they collect debt directly from consumers using their products. Examples of clients they offer their services to include:

  • Personal loan borrowers
  • Credit card account holders
  • Auto loan customers
  • Mortgage holders
  • Corporate companies with their credit cards
  • Small business account borrowers

Why is JPMCB on my credit report?

If you have a Chase credit card or you recently applied for one, you should expect a JPMCB account on your report. You will also have JPMCB on your report if a family member lists you as an authorized user of their Chase credit card.

If you are unsure if you have a Chase Bank credit card, recheck your wallet. Not all JPMCB credit cards are Chase-branded. Additionally, the bank keeps introducing new cards into the market. JPMCB accounts are associated with having any of the following credit cards:

  • Slate Edge℠ credit card
  • Southwest Rapid Rewards® Plus Credit Card
  • Southwest Rapid Rewards® Priority Credit Card
  • Southwest Rapid Rewards® Premier Credit Card
  • United℠ Explorer Card
  • United Quest℠ Card
  • United Gateway℠ Credit Card
  • United Club℠ Infinite Card
  • United℠ Business Card
  • Aeroplan® Card
  • British Airways Visa Signature® card
  • Aer Lingus Visa Signature® card
  • World of Hyatt Business Card
  • Southwest Rapid Rewards Premier Business Credit Card
  • Southwest Rapid Rewards Performance Business Credit Card
  • Ink Business Preferred® Credit Card
  • Ink Business® Credit Card
  • Ink Business Unlimited® Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Starbucks® Reward Visa® Card
  • IHG® Rewards Club Traveler Credit Card
  • IHG® Rewards Club Premier Credit Card
  • Disney® Visa® Card
  • Disney® Premier Visa® Card
  • World of Hyatt Credit Card
  • Marriott Bonvoy Bold® credit card
  • Marriott Bonvoy Boundless® credit card
  • Iberia Visa Signature® card

What effect does JPMCB have on my credit score?

Having a JPMCB has different repercussions based on the type of entry. The account may appear due to a hard or soft inquiry.

Soft inquiries don't affect your credit score. On the other hand, hard inquiries affect your credit and stay on your report for up to two years. So even if you haven't applied for a credit card in the past year, you will still see a JPMCB account in your report until the two years lapses since you applied.

If you see an unauthorized inquiry on your credit report, you need to have that investigated and deleted as soon as possible. Here’s how.

How can I remove JPMCB hard inquiries from my credit report?

Here are three easy steps to getting JPMCB's hard inquiries removed from your report.

1. Check with the company that pulled your credit.

If JPMorgan Chase Bank pulled your credit report and you don't recall authorizing the inquiry, ask the company to confirm that you did. If the company cannot prove that you authorized an inquiry, ask them to delete it from your report, as it hurts your credit score.

Remember that applying for a credit card gives JPMCB the authority to pull your full credit report. So, be sure you did not send an application before disputing the entry with the company.

2. Report fraud to the FTC

JPMorgan Chase Bank sometimes appears on your report because someone illegally used your identity to open an account with the bank. Whenever you suspect that this ise the case, report the issue immediately to the FTC on the identity theft website.

You should also report unrecognized authorized user permissions. Being an authorized user of a loved one's credit card affects your credit report. You are not required to make payments for the card. However, late payments and accounts in collections affect your score negatively.

Ensure that you only remain an authorized user for credit cards whose owners are responsible enough to make their payments and not ruin your credit. If you don't recognize the cardholder, report the matter to the company and ask that you be removed as an authorized user.

Other times, an "authorized user" alert may be an error easily fixed by giving JPMorgan Chase Bank a call. It's not unheard of for consumers to receive false alerts, as happened during the merging and renaming of the company. You can reach the JPMCB at:

3. Dispute unauthorized hard inquiries with the credit bureaus

If you are sure you never authorized an inquiry on your credit, dispute the inquiry with the bureau(s) involved. All credit bureaus are required to investigate and delete unauthorized credit pulls from your report.

Regularly checking your credit report for mistakes is good practice. According to an FTC study, five percent of American consumers have an error on their report that may affect their credit score. A credit report is available to you every 12 months for free from all the major credit bureaus. Get your free report at Annual Credit Report.

What do I do if I’m being sued by JPMorgan Chase Bank?

Chase doesn’t want to take their clients to court over unpaid debts. It’s a costly and time-consuming experience for them, and they have to hire a legal team to help with the process. Even when you receive a court Summons, you still have time take the right steps to protect your rights:

  1. Respond promptly to prevent a default judgment
  2. Offer a settlement
  3. File a Motion to Compel Arbitration

Keep reading for me details on each of these steps.

Respond promptly to avoid a judgment

Resist the temptation to ignore a court Summons. If you don't respond within the required time (14-30 days, depending on which state you live in), the court will issue a default judgment. A default judgment requires that you pay the debt in full and could even result in wage garnishment or liens on your property.

The first step to protecting yourself from a default judgment in favor of JPMCB is to file a written Answer to the case. The advantage of SoloSuit's Answer is that it's fast. If you choose, you can have an attorney also review your Answer before SoloSuit files it for you. Don’t forget to send a copy to JPMCB’s lawyer.

Don’t forget that filing an Answer is just the first step. Until you’ve reached a settlement agreement, or JPMCB Card drops the lawsuit, it’s your responsibility to follow up on the lawsuit as it moves through the court system. You can learn more about the debt lawsuit process in this video:

Offer to settle out of court

You can avoid the intimidating court hearings by requesting JPMorgan Chase Bank to settle out of court. Most debt collectors would prefer to settle out of court as it saves them time and money as well. After sending your Answer, start the settlement negotiation process by reviewing the following steps

  1. Verify the debt. Before you start the negotiation process, make sure that your debt with JPMorgan Chase Bank is valid. If you find any discrepancies, reach out to them in writing and request that they verify the debt.
  2. Take a hard look at your finances and determine how much you can offer to settle the debt.
  3. Contact JPMCB to begin the settlement process.
  4. Get the Settlement Agreement in writing and signed by both parties.
  5. Pay the agreed-on amount.

Use SoloSettle to track your correspondence, manage the settlement agreement documentation, and securely make your payment.

Settle with SoloSettle

Make an Offer

Want to learn more about how to settle your JPMCV credit card debt? Watch the following video where we interview an attorney for tips and tricks on how to negotiate debt and settle for less than what you originally owed.

File a Motion to Compel Arbitration

The Motion to Compel Arbitration comes in handy if your credit card account has an arbitration clause in it. If you feel intimidated about going to court, filing this type of motion gives you another option. It can kick the case out of court, and instead, it will be handled through arbitration (no judge, no jury).

Arbitration often costs JPMCB and other debt collectors a lot of money, and most would rather dismiss the case than continue with the arbitration process. It’s usually less formal than going to court, which makes the whole experience less stressful. To learn more about arbitration, check out this guide on how to make a motion to compel arbitration.

JPMCB Card reviews information

JPMorgan Chase Bank (JPMCB) is a legitimate company in business for decades. The original institute has been active for almost two centuries. If you would like to have a feel of what consumers say about them, visit the following online platforms:

Dealing with Chase Bank can be manageable. You can eliminate hard credit checks from your account and avoid potential lawsuits from JPMCB.

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Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Credit

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Debt collection FAQs

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Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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