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How to Contact Chase Customer Service

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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Chase has numerous customer service lines available for all the inquiries you may have as an account holder. In this post, we list the contact methods for all of Chase’s products including credit cards, personal banking, auto loans and more.

In addition to the methods listed below, you can reach Chase customer service by signing in to Chase OnlineSM and sending a message via the secure message center. Click on the “Customer Center” tab, then click “Send a new message” on the left-side navigation.

You can also tweet @ChaseSupport. Representatives are available Monday-Friday from 7 a.m.-11 p.m. EST and Saturday and Sunday 10 a.m.-7 p.m. EST. Remember not to share any account or other personal information on Twitter.

Chase Customer Service

Phone

Mail

Online or mobile banking support

Customer Service: 1-877-242-7372

TTY: 1-800-242-7383

Outside the U.S.: 1-713-262-3300

Credit cards - personal

Customer Service: 1-800-432-3117

TTY: 1-800-955-8060

International: 1-302-594-8200

Card Services
P.O. Box 15298
Wilmington, DE 19850

Active duty military:
SCRA enrollment for Cardmember Services
P.O. Box 183240
Columbus, OH 43218-3240

Credit cards - business

Customer Service: 1-888-269-8690

TTY: 1-800-955-8060

International: 1-480-350-7099

Card Services
P.O. Box 15298
Wilmington, DE 19850

Active duty military:
SCRA enrollment for Cardmember Services
P.O. Box 183240
Columbus, OH 43218-3240

Personal banking

Representatives are available 24/7 for:

Service on existing accounts: 1-800-935-9935

TTY: 1-800-242-7383

Automated service available 24/7 for:

Online and mobile banking technical support: 1-877-242-7372

International online and mobile banking technical support: 1-713-262-3300

National Bank By Mail
P.O. Box 36520
Louisville, KY 40233-6520

Deliveries via courier:
National Bank By Mail
Mail Code KY1-0900
416 West Jefferson, Floor L1
Louisville, KY, 40202-3202, United States

Auto loans

Customer Service: 1-800-336-6675

TTY: 1-800-524-9765

Chase Auto Finance
P.O. Box 901076
Fort Worth, TX 76101-2076

Home equity loans

Customer Service: 1-800-836-5656

TTY: 1-800-582-0542

Representatives are available:
Monday - Friday: 8 a.m. - midnight EST
Saturday: 8 a.m. - 8 p.m. EST
Sunday: Closed

Chase
Attn: Home Equity Servicing
Mail Code OH4-7304
3415 Vision Drive
Columbus, OH 43219-6009

Mortgage loans

Customer Service: 1-800-848-9136

TTY: 1-800-582-0542

Spanish Customer Service: 1-855-280-4198

Representatives are available:
Monday - Friday: 8 a.m. - midnight EST
Saturday: 8 a.m. - 8 p.m. EST
Sunday: Closed

Homeowner’s insurance inquiries: 1-877-530-8951

Chase
Attn: Customer Service Research
Mail Code: OH4-7302
P.O. Box 24696
Columbus, OH 43224-0696

Exclusive address for notices of error, requests for information and qualified written requests:

Chase
P.O. Box 183166
Columbus, OH 43218-3166

Investments and retirement planning

For servicing questions for Chase Investments: 1-800-392-5749

Retirement Money Market Accounts or IRAs/CDs: 1-855-800-8053

For advice on your accounts, please contact your assigned advisor or team.

For other savings and banking services: 1-800-935-9935

Private client

Existing customers only: 1-888-994-5626

Fill out this form for new customer inquiries

Commercial banking

Existing customers only:

General: 866-954-3718

J.P. Morgan Access® Technical Support: 866-872-3321
Chase ConnectSM Support: 877-226-0071 or 855-893-2223 (for government, health care, higher education and not-for-profit clients)

Image Deposit Direct® Technical Support: 866-619-3060; for Virtual RemitSM Technical Support: 866-872-3321

Positive Pay Solutions Center: 800-235-6286; Positive Pay fax: 817-399-5550

Fill out this form for new customer inquiries

Business banking

Existing accounts: 1-800-242-7338

TTY:1-800-242-7383

General inquiries: 1-800-242-7324, select option 2

Representatives are available 24/7

National Bank By Mail
P.O. Box 36520
Louisville, KY 40233-6520

Deliveries by courier:
National Bank By Mail
Mail Code KY1-0900
416 West Jefferson, Floor L1
Louisville, KY, 40202-3202, United States

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Building Credit, How to Complain

Where To Dispute Your Credit Report Online

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It has never been easier to dispute incorrect information on your credit reports online. You are now able to dispute information to all three credit reporting agencies online. We will provide you with instructions for each reporting agency below.

Just one warning: we highly recommend that you disputes online and in writing. If you do not like the outcome of the dispute, a paper trail will be very helpful for the dispute. And written letters, sent by certified mail, are much more effective. In addition to providing you with the online dispute information, we will also provide you with the mailing address for each credit reporting agency below.

TransUnion

You can dispute with TransUnion at dispute.transunion.com.

You can call them at 1-800-916-8800.

You can dispute in writing at this address:

TrasnUnion, LLC Consumer Dispute Center, PO Box 2000, Chester, PA 19022

Equifax

You can dispute online with Equifax here.

You can dispute in writing at this address:

Equifax Information Services, LLC, PO Box 740256, Atlanta, GA 30374

Equifax does not provide a telephone number on their website. They tell you to refer to the telephone number provided on your credit report.

Experian

You can dispute online with Experian at http://www.experian.com/disputes/.

You can dispute in writing at this address:

Experian’s National Consumer Assistance Center, PO Box 2002, Allen, TX 75013.

Experian has a customer service phone number, which is 1-866-200-6020.

The Process

If you want to dispute an item on your credit report, we recommend the following process.

First, download your most recent credit report from all three credit reporting agencies. You can obtain your free report at AnnualCreditReport.com.  You are allowed to download one free report every year. Don’t be fooled by the free credit score websites. In order to see what is on your credit report, you need to have your full report.

Once you identify the incorrect information, you should dispute in writing and online. When you draft your letter, make sure you keep a copy of your letter for your files. In addition, you should send the letter with certified mail so that you have proof of your correspondence. In your letter, please include as much information as possible. Credit reporting agencies are used to receiving many disputes from people who are just trying to get something legitimate removed. The more details you have and you can share, the better the chance of getting the right outcome during your first dispute.

The credit reporting agencies have 30 days to respond. If you do not like the response that you receive, you do not have to quit. Instead, you should share your complaint with the Consumer Financial Protection Bureau. You can submit your complaint online here.

After you file your appeal with the credit reporting agency, you may want to appeal to the creditor as well. For example, if Capital One has an account that you do not believe is yours, you should send them a letter (also via certified mail) disputing the account. You should include as much information as possible in the letter, and let them know that you will also be disputing the information with the credit reporting agencies.

Once It Is Fixed

Once you get your credit reports fixed, you have the right to ask the credit reporting agencies to send updated information to anyone who requested a report in the last six months. For example, you may have applied for a job and been embarrassed by a collection item that did not belong to you. Once the information is cleared up on your credit report, the credit reporting agency could provide updated information to your employer.

Beware Disputes and Mortgages

If you are applying for a mortgage, you should be very careful before disputing an item on your credit report. For conforming mortgages (Fannie Mae and Freddie Mac), you often are unable to close a mortgage while a dispute is open. And disputes take time. That is another reason why it is important to keep an eye on your credit report regularly.

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How to Complain

Most Complained About Banks – We crunched the numbers

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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Analysis of CFPB DATA

  • Bank of America remains America’s most complained about bank
  • Ocwen has rapidly become America’s most complained about mortgage servicer. (Not surprising, given the mistakes they have made. If you are a customer, you could get money back from them. Find out more here.)
  • Citibank Credit Cards have the highest complaint ratio (complaints as a % of total credit cards)
  • Capital One received the most retail bank complaints per branch (with Bank of America a close second)
  • Experian is the most complained about credit bureau
  • Encore Capital Group is the most complained about debt collector

If you are having a problem with your bank, you can get help with your complaint from the CFPB (Consumer Financial Protection Bureau). Just file your complaint online, and they will help you get answers – and maybe even money. I told the story of my friend, who had his credit history fixed and money reimbursed, in this DailyFinance article. The CFPB has received over 400,000 complaints since it was launched, providing a real alternative for people to get help.

The CFPB makes its complaint database public. To date, over 250,000 complaints have been made public (and more are being added to the database every day). At MagnifyMoney, we believe that public access to complaint data is a great public service. It enables people like us to identify trends, rank banks based upon complaints, and help consumers make good financial decisions.

Today we are pleased to release our analysis of the complaint database.

Over 76,000 complaints were made public during the first six months of the year. Of the big four banks, Bank of America remains the most complained about bank. 5,261 people complained about BofA. Wells Fargo received 4,834 complaints. Chase received 3,988 complaints and Citibank received 3,025.

What does this mean for you?

We have crunched the complaint numbers, and have the following tips:

  1. If Ocwen is your mortgage servicer (now the largest non-bank servicer in the country), you should pay close attention. They have a history of mistakes, which can be very costly. If you are having problems with Ocwen, don’t be shy. Complain to the CFPB, and tell Ocwen that you are going to complain to the CFPB. They are a bit touchy, given they have just been punished with a judgment of more than $2 billion due to their mistakes.

  2. If you are receiving calls from a collection agency, you have rights. And if someone like Encore Capital Group keeps calling you – and you don’t know why – don’t be afraid to raise the issue to the CFPB (and tell Encore that you are doing so).

  3. For choosing a retail bank, we have long argued that branch-free banking is the way to go. Traditional banks pay the lowest rates on savings accounts, charge the highest monthly and overdraft fees, and limit you to their ATM network. Look at our checking account and savings account pages to make your checking account free, earn the highest interest on your savings account, and ditch your traditional bank. Of the big banks, Chase has half as many complaints per branch at BofA. And PNC and US Bancorp always did well.

  4. Credit bureaus can make mistakes. You should check your credit report every year, and make sure that mistakes aren’t there. You are allowed to get a free report every year from all three bureaus, and make sure you do. To get the issue fixed, you can go straight to the bureau. But, if they don’t move quickly enough, use the CFPB.

  5. The biggest complaint categories for credit cards are billing disputes and ID fraud. Sign up for alerts with your credit card company (they can send you an email if a large purchase is made). You should also download your bank’s app so that you can keep an eye on spending. Any suspicious activity should be reported immediately – and you should keep a paper trail of your communication with your bank. The earlier you catch anything suspicious, the better.

At MagnifyMoney, we will continue to update the complaint database, and try to provide you  with useful tips based upon the data.