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United Credit Card Failure to Credit Purchases as Promised Class Action

People have a choice about which credit cards they will hold. This class action concerns the inducements advertised for a credit card that was offered by United Airlines (United Airlines, Inc. and United Airlines Holdings, Inc.) through JPMorgan Chase (JPMorgan Chase Bank, NA and JPMorgan Chase & Co.). The complaint alleges that, to induce people to get the card, they promised to credit the first $125 of charges made for company products and services but did not do this.

The class for this action is all individuals who either

  • between February 18, 2016 and February 18, 2022, had a flight itinerary segment that included a New Jersey airport and made one or more charges on a company-issued credit card during flight for products or services, which were required to be automatically credited by the company but were not; or
  • between February 18, 2016 and February 18, 2022, lived in New Jersey and made one or more charges on a company-issued credit card during flight for products or services, which were required to be automatically credited by the company but were not.

A number of inducements were advertised for the credit card, including “United Card Events from Chase” for “non-airline events including celebrity meet and greets[,] private culinary and cultural events, and behind-the-scenes previews to the worlds of sports and fashion[.]”

The card membership is not cheap: according to the complaint, a one-year card membership costs $250. Another of the inducements offered was that the first $125 of purchases made with it during that membership year, for company products and services, would be automatically credited back to the cardholder—that is, they would not have to pay those charges.

The complaint quotes the company as saying, in a paragraph detailing the $125 Annual United Credit, “Qualifying United purchases include airline tickets purchased from United and the following purchases made from United: seat upgrades; Economy Plus; inflight food, beverages and WiFi, baggage service charges or other United fees.”

The plaintiff in this case, John Sacchi, saw this promise, accepted the card, and, according to the complaint, was charged $250 for the card membership on October 1, 2021.

On November 2, 2021, on a United flight that departed from New Jersey, Sacci bought WiFi access for $19.99, charging it on the card.

But the complaint claims he was not “automatically” credited for that amount, as promised: “Company failed to reimburse the $19.99, which [Sacci] was then required to pay as part of his credit card monthly statement in order to avoid interest, late fees, penalties, and reporting of purported unpaid ‘debt’ to credit rating agencies.”

The counts include fraud and breach of contract, among other things.

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

United Credit Card Failure to Credit Purchases as Promised Complaint

February 18, 2022

People have a choice about which credit cards they will hold. This class action concerns the inducements advertised for a credit card that was offered by United Airlines (United Airlines, Inc. and United Airlines Holdings, Inc.) through JPMorgan Chase (JPMorgan Chase Bank, NA and JPMorgan Chase & Co.). The complaint alleges that, to induce people to get the card, they promised to credit the first $125 of charges made for company products and services but did not do this.

United Credit Card Failure to Credit Purchases as Promised Complaint

Case Event History

United Credit Card Failure to Credit Purchases as Promised Complaint

February 18, 2022

People have a choice about which credit cards they will hold. This class action concerns the inducements advertised for a credit card that was offered by United Airlines (United Airlines, Inc. and United Airlines Holdings, Inc.) through JPMorgan Chase (JPMorgan Chase Bank, NA and JPMorgan Chase & Co.). The complaint alleges that, to induce people to get the card, they promised to credit the first $125 of charges made for company products and services but did not do this.

United Credit Card Failure to Credit Purchases as Promised Complaint
Tags: Breach of Contract, Credit Cards, Fraud, Payment of Promised Benefits or Subsidies