Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX I went to the Chase Bank Branch in XXXX, Ohio to open a checking account after receiving a flyer about receiving a {$300.00} bonus for opening a new checking account ( with additional requirements of direct deposit ). I was told I had to make an appointment which I did for XXXX with XXXX XXXX. I came back at XXXX, sat in the lobby for 15 minutes before I had to leave for other matters. XXXX XXXX later phoned me and we discussed that I could open the account on line and she would send me a link. I opened the account online and on Monday, XX/XX/XXXX I made a mobile deposit of {$1500.00} from an escrow check I received from XXXX XXXX XXXX XXXX XXXX after having had paid off my mortgage. 

I was advised by XXXX XXXX that I had to go onto the mobile app to redeem my coupon code for the {$300.00} bonus. I was going to later set up a direct deposit to that account. I tried redeeming the code 4 days in a row and continued to receive a message something to the effect that the site I was trying to reach was not available at this time. On Thursday, XX/XX/XXXX aXXXX XXXX XXXX after speaking to a couple people and getting disconnected once, I was advised there was a restriction on my account. I phoned back at XXXXXXXX XXXX and spoke to XXXX who advised me that the check I deposited was confirmed to be fraudulent and they were trying to reach my Bank. While I was on hold they supposedly contacted my bank speaking to two different individuals who she said would not give them any information and that I would have to wait a week until the check cleared before I could access the funds. After hanging up with her, I phoned XXXX XXXX XXXX XXXX XXXX and was told the check had already cleared the bank on XX/XX/XXXX ( 2 days before ). I spoke to XXXX at XXXX who stated that it would have been very simple for Chase to confirm with XXXX XXXX the legitimacy of the check without providing any personal information. 

Being totally aggravated, I went to the local Chase branch shortly after XXXXXXXX XXXX and spoke with XXXX XXXX. I sat in his office about 30-45 minutes while he was on the phone explaining the situation to another person in their fraud department. I even gave him a copy of my Mortgage statement where it showed the mortgage had been paid and a refund was issued in the amount of {$1500.00}. At approximately XXXX I told him I had to leave as I was working and he said he would call me back. I did not hear from him and tried to phone him at XXXX only to keep looping through an automated phone message. I finally spoke to a customer service representative who was able to connect me with the branch and I left a message for him to call me back. At XXXX he phoned me stating everything was removed and I could come in to close the account. No apology, no attempt to ask me to keep the account. 

So even today as I write this, I am still unable to redeem the coupon code, continuing to get the message It looks like this part of our site isnt working right now. I have two complaints : ( 1 ) This bonus offer is a scam. ( 2 ) I didnt appreciate being treated like a criminal and accused of depositing a fraudulent check. I was finally successful and have now transferred my money out of that account. I plan to cancel the credit cards that I have had with them almost 30 years.

Company response to consumer: Closed with explanation