Consumer complaint received 2015-12-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
( XXXX/XXXX/2015 ) I opened a Chase account with the promotion of {$300.00} for premier checking and {$200.00} for premier savings accounts. After receiving poor customer service and addressing concerns with the branch manager ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ), I continued to receive poor customer service. Since this branch is most convenient for me, I decided to terminate my relationship Chase. 

On closing my checking account first on XX/XX/2015, the relationship banker ( XXXX XXXX XXXX XXXX ) overdrew my account and reversed the promotion without informing me. I found out when I received notification through my cell phone application that my account was overdrawn and saw that the {$300.00} promotion was also reversed. I had to transfer funds from my savings account to prevent it from being overdrawn. She then informed me that there was a disclosure that I had signed that the account had to be opened for 6 months. After I notified her I was not aware of it, she told me I had signed for it and that she reopened my account. She proceeded to tell me that she will call corporate to tell them she accidently closed my account to get coupon reversal removed. 

After weeks of calling her, she told me she was not able to get coupon reversal removed ( XXXX/XXXX/2015 ). I questioned her about the 6 months policy and she told me it was written on the coupon. She also told me that since I 'm closing my accounts, she already informed everyone in the office my situation and that I could talk the branch manager about getting the coupon reversal removed. I informed her that I want to speak to someone who is his supervisor because he is the reason I am terminating my relationship with Chase. XXXX told me that their regional bank manager quit two weeks ago and that there is no one else I can talk to. I called the Chase corporate office and spoke to XXXX from the Escalation department and spent over 40 minutes with her to explain my situation. She told me a XXXX XXXX XXXX XXXX will return my call in two business days to address my concerns. I asked XXXX for a contact number for XXXX XXXX and she informed me I had to call the XXXX corporate number. I have not heard from XXXX XXXX. 

I reviewed my documents that I was given for my accounts. The relationship banker ( XXXX XXXX XXXX ) returned the coupon he had used opening of the account. It is no where in the disclosure documents that I had to keep this account open for a minimum of 6 months to secure this bonus or on the coupon itself. All the coupon said was that {$300.00} for signing up for direct deposit for savings and {$200.00} for depositing {$15000.00} for 90 days. 

I was never disclosed of this 6 months policy upon opening of the account or closing of the account. I have no proof of documentation of acknowledging this policy and nor were they able to provide proof that they " may '' have informed me at any point. Please see my attached documents.

Company response to consumer: Closed with monetary relief