Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
There are numerous bank offers online to open a new account with certain stipulations to receive a coupon/bonus directly deposited into your account. I did some preliminary online research, but had questions about the minimum necessary for the direct deposit component of the current offer by Chase Bank, for their Total Checking Account. Coupon/bonus of {$220.00} offered to new customers on new customer accounts by XX/XX/XXXX. I visited a couple of branches seeking an answer to the minimum direct deposit question on XX/XX/XXXX and XX/XX/XXXX. Received some answers from XXXX XXXX in the XXXX, Oregon office and returned later that afternoon with some cash and he assisted with opening the account online. 
Toward the end of the hour long process, which included setting up the transfer of my direct deposit Social Security, XXXX said he needed a coupon code and that most customers bring one in when they open the account. I responded that I never saw a code when i researched the account. He said I would need to go home and get the code and call back the next day with it. 
When I checked the computer that night, it indicated I needed to start the account opening process online and would at some point receive the code. The very first question was am I currently a Chase bank customer. I was directed by customer service and the branch manager to try both answers but either way, it recognized I am now a Chase customer. They claim they have no way to get me the code either in branch or at the CS Escalation Dept. 
They did verify that the Premier Checking account open by XXXX for me as a XXXX XXXX, still qualifies for the {$250.00} bonus, but still need the coupon code. Customer Service said the fact the direct deposit transfer is set up should trigger a {$220.00} deposit within 15 days of the arrival of the first direct deposit. Branch Mgr said, still need the coupon code and they have no way to get one. So at this point they said they can do NOTHING WITHOUT THE COUPON CODE. 
I don't believe this is the way XXXX XXXX wants his bank run. They want to expand their client base not create enemies of the bank. But in the information age it is nearly impossible to talk with anyone in the ivory towers in XXXX. Even if i close the account now, IF you have been a customer within a recent period, you do not qualify for the offer. 
Whatever they need to do, i feel XXXX has wasted my time, as he should have just said go open the account online, because we can not get a coupon code here! Which would have been helpful, but fly in the face of Chase 's corp principles 1. We focus on the customer. 2 We build world-class franchises, investing for the long term, to serve our clients. etc XXXX did open the account online, but for some reason, he could not get the coupon. Now with the amount of my time wasted, I feel they owe me more than the {$220.00}. Not sure I want to keep the account at all with such poorly thought practices. This seems very similar to some the the XXXX XXXX tactics, if somewhat less fraudulent!

Company response to consumer: Closed with explanation