Consumer complaint received 2019-05-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
When making a reservation at a XXXX XXXX the Summary of Charges page listed the cost of the room and then indicated that if I applied for a Chase XXXX XXXX Card I would receive a {$200.00} statement credit after my 1st purchase. I reserved the room but no link for the credit card appeared. This was on XX/XX/XXXX. That day and over the next week I made multiple phone calls about the offer and was directed to Chase by the XXXX people and then to XXXX by Chase people. Finally on about XX/XX/XXXX I got a gentleman from Chase on the phone. I had printed out the summary page for my records and I photographed it and sent it to him. He then advised me to cancel the reservation and then to remake it which I did. He then took me step by step through the application process but it came up for the one that requires you to spend {$5000.00} and get miles. The one that had gotten me to apply had the {$200.00} statement credit & waived the {$95.00} fee for one year. When I mentioned this to him again ( I had led with this when he first picked up ) he stated that once I had applied and was approved he would go in ( to the computer I assume ) and get the offer I was referring to. I of course wasn't wild about that as I noted that it would be a week or so before I was notified by mail and he advised that was correct but that he could go in right away to check. As my credit score is between 805 & 815 depending on the agency I foresaw no problems and was shocked when he got back on and advised I had been turned down for the card. As obviously if there was no card there was no offer I thanked him and waited quite curiously for notification of why I was turned down. Lo and behold, last week I got the card in the mail, obviously I was not turned down. I made sure I would qualify for the offer I had for the card that day or the day after by making a small charge and called Chase the next day and again told them the exact story I am relating to you and offered to send them the pix of the Summary Page that I had previously sent to their phone employee. They declined, and after speaking to a supv they refused to honor the offer insisting instead on the {$5000.00} charge for miles which I had no interest in. Then lo and behold I received a bill almost immediately for the $ 50+ purchase I had made and Chase had added on the XXXX XXXX XXXXearly charge which of course was waived under the offer that lured me in. I again called and again Chase refused to honor their original offer insisting I applied for the other offer which I have to admit is technically true as I did so under the guidance of their employee who was supposedly going to rectify the situation but instead falsely claimed my application had been denied. This is where we presently stand. As far as I am concerned this is a classic case of bait & switch. Personally I don't need the card as I have more credit than I actually need but at this point I haven't told them to cancel the account as it has become a matter of principal that I be given the original offer.

Company response to consumer: Closed with explanation