Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and was approved for a united explorer credit card back in XX/XX/XXXX. At the time, I was on XXXX  in XXXX. My plan was to use the card to cover several of my expenses and spend {$3000.00} in 3 months to receive the XXXX bonus points that they offer. My address at the time was a XXXX XXXX XXXX XXXX, which is a valid USPS Post office for receiving overseas mail. The address was the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Unfortunately, due to issues with Chase, they never sent me a physical copy of the card, so I was never able to start spending. Even still, I was supposed to be able to make digital card purchases, however, I was not able to do this because you need a physical copy of the card to login to the account and activate the card. Because I never got the physical card, I was never able to use the card during the promotional period. I left my XXXX  in XXXX in XX/XX/XXXX, and immediately upon getting a physical address in the united states, I contacted Chase/United to get a physical copy of the card finally sent out to me. I received the card, and immediately started spending on it. I have since, spent well above the spending requirement for the promotion. Additionally, I did this because upon speaking to customer service, they informed me that I would still be eligible for the promotion despite the time elapsed, due to the mistake that they made. Thinking this was the case, I spent XXXX  of dollars on their card, thinking I would be getting the bonus after 3 months. Unfortunately, I then received a letter in the mail stating that I would not be eligible for the promotional offer due to the time elapsed. Essentially, not only did chase make it impossible for me to receive this promotion by not sending me the card in the first place, they also gave me misinformation regarding my ability to receive the promotion after finally receiving the card, causing me to spend money on their card, with no benefit to myself. As a service member, who served overseas on a XXXX, I believe it is unacceptable that I was taken advantage of in this way. And I am writing this in hopes that the CFPB will take action, and investigate this company for its misinformation and fraudulent practices, which are negatively impacting U.S. Service members abroad. I have spoken with Chase 's customer account specialists and supervisors and given then numerous chances to correct this issue, however, every time, I have been dismissed with no compassion, no remorse, and zero semblance of any accommodation for their mistake. They have informed me that there is nothing they can, will, or want to do for my situation. I believe these predatory practices should be stopped. Please help me in getting this message delivered to chase/united, regarding their United Explorer Credit Card . Thank you.

Company response to consumer: Closed with non-monetary relief