Consumer complaint received 2019-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is made with respect to a fraudulent statement made by the banker of Chase, which I was deceived to open a credit card account at the branch and thus lost the benefits I am entitled to. This is similar to the fraud scandal case of XXXX XXXX happened in XXXX, and banks and its bankers, representatives of banks, should bear higher fiduciary duties to customers. 

I saw an online promotion of Chase Sapphire Preferred credit card for total of XXXX bonus points in or about XX/XX/XXXX, which the promotion was at Chase.com generally, instead of specific promotion through personal email or special link. Please refer to the attachment, which is dated XX/XX/XXXX, demonstrating this is the current and general offer at the time of that application. I was at the branch in XXXX, California on XX/XX/XXXX for other banking matter. The Banker Mr. XXXX XXXX was the person assisting me at that time, and I mentioned this offer to him. He answered that he could complete the application for me. I specifically asked him that if it is the same offer of XXXX points when he applies for me at the branch, comparing to me applying online by myself. He answered that the application system is the same everywhere and there is no difference whether I apply online by myself or through him at the branch. 

Of course I trusted him because he is the banker and knows more than I do with respect to the banking system. He also said that he could get bonus or commission through completing applications for clients. However, what he stated is wrong and even fraudulent in order to receive his personal interests by providing wrongful information with me to open the credit card account. 

I did receive the initial XXXX points after spending {$4000.00} per offer. Afterwards, Ive reached the spending requirement of {$30000.00} in or about XX/XX/XXXX, but I didnt receive the additional XXXX points. Thus, I went to the same branch on XX/XX/XXXX and talked to Ms. XXXX XXXX. Ms. XXXX made a call and found out that there is only XXXX points on my agreement because that offer of XXXX points was made for online application only. It was not applicable to branch applications. 

This is completely ridiculous and unacceptable. I applied for this credit card solely because of this offer of XXXX bonus points, I was qualified, and I also relied on professional knowledge and advice from the banker. If I knew that this offer is made only for online application but not applicable to branch applications, why would I choose to have the banker to apply for me and lose the additional XXXX bonus points?! This is apparently not a rational decision that any reasonable person would make. I would be more than happily to apply for it online on my own and receive XXXX points without any of these hassles, including but not limited to talking to Chase and its representatives forever. The banker Mr. XXXX provided fraudulent statement and deceived me into applying the credit card through him at the branch. 

This is highly illicit that the banker Mr. XXXX XXXX intentionally provides fraudulent advice and statement with me in order to receive his own personal benefits, which causes damages and detriment to me simultaneously. I am entitled to that additional XXXX points but not receive at this moment due to his unacceptable wrongdoing and fraudulent advice. I could simply apply for it online and receive full benefits of XXXX points. How can I know that, by the time of application back in XX/XX/XXXX, I wouldnt get the additional XXXX points when a representative of Chase told me I would?

Company response to consumer: Closed with non-monetary relief