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JCoins are a form of virtual currency made by Jagex and first introduced with War of Legends and are obtained by buying them with real money. They only have one purposes: to repay debt that is owed on a RuneScape account. They were also used to buy WoLCash in War of Legends before the game closed.
When a player disputes a payment and the money is returned to the bill payer, negative JCoins are added to a RuneScape account because the cost of membership, Bonds, Treasure Hunter keys or RuneCoins has been returned to the bill payer, turning the used membership into a debt.
Before the RuneScape account can be played again, any membership used will need to be paid off. This can be done by either purchasing JCoins or reversing the disputed payment.