Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I came into this branch and waited almost 2 hours, trying to open the account while Chase Bank was having systemwide errors throughout their platform the branch representative that open my account I found her extremely rude very impersonal, and she told me a lot of misinformation about this Services and account types that I was opening. The representative. XXXX told me that I had a preapproval for a Chase freedom credit card with them and that I was approved for it Based off a soft credit check that was ran that she performed. She told me that it was not a hard credit check pool, and that it would not affect my credit and that way so I said OK as we were finally closing the account after already having to deal with several rude comments that she tried to slip under the table and say to me, I saw that the closing statements that she gave me said that it was a credit card application as I was asking her, so when do I get the actual credit card that she said it was approved for me she told me that it takes 7 to 10 days to get the actual approval or not which is confusing because thats not what she previously told me, I called the XXXX XXXX number for Chase to get clarification as to what actually happened to make sure she didnt just run a full XXXX scale credit check for a credit application. I did not want to perform or have done. The representative on the phone became extremely argumentative because she said she could verify the address. I provided with her on my checking account that I just open with the credit card application. She can not verify the address because the characters were cut off and I explained to her. Yeah, I know the characters will be cut off because the banker already told me that the system does not allow for the full characters to show on the credit card application so obviously thats why so its still the same address That I just tried to enter and provide to them so rather argue back-and-forth with her I just decided to go to the branch and just try to close the account and just to be done with all of this and I want clarification as to whether or not a full scale, credit card, hard inquiry was ran on my credit or not, which no one still has been able to provide to me I was working with a polite bank teller Who called over the manager on duty. XXXX, who was extremely rude I didnt know who the lady was when she first walked up and I asked her I said excuse me are you the branch manager and she told me that she was the manager on duty I said OK and I said I would like to close the account and I informed her that I was having issues with the credit card application or process that the bank representative Just put me through. I was telling her in the middle of me talking that the banker said that I had a preapproval for the credit card and before I can say anything else she immediately cut me off telling me well preapproval doesnt mean that you approved and blah blah blah blah blah and I told her I said excuse me, maam, you just asked me a question but youre not even giving me time to answer the question youre just over talking to me and interrupting me which I found extremely disrespectful so we moved over to another window and she want to get a XXXX XXXX  attitude. Well thats fine we can close your account so sorry that youre upset and that you are this and that and blah blah blah just very disrespectful And reiterate oh yeah, we can close your account. We dont have any issues doing that at all so Ive wasted close to 2 1/2 hours of my time opening an account that I had to close due to fraudulent misrepresentation of the credit card application that the lady did not tell me that she was running a hard inquiry on my credit she actually told me that I was preapproved, but that with a soft credit check that it had gave me an approval for the card and so forth, but thats not what occurred and the fact that I have to do with XXXX XXXX Customer Service on the phone and then a lady thats not even a XXXX branch manager acting like this is her personal chase bank XXXX very disrespectful very rude. I will never bank with Chase Bank at all. This is highly unprofessional from even the girl kept calling me girl in the middle of me trying to open my account. There were several disrespectful, derogatory terms, and comments that the XXXX made to me towards me and about me that I found extremely unprofessional I will never in my life even come inside of a chase bank. This is been the worst the worst experience Ive ever had especially coming from one bank, trying to transfer to a new bank with all of my business. This is unacceptable, unprofessional unethical, and for her to misrepresent the terms of a credit card application Im considering this consumer fraud.

Company response to consumer: Closed with explanation