Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I am writing to file a formal complaint against JPMorgan Chase in relation to a promotional credit card offer they extended to me, which they have since failed to honor. This situation has caused significant financial and personal inconvenience, and I am seeking regulatory intervention to resolve the matter fairly. The details of the case are as follows : on XX/XX/XXXX, I was offered a Chase credit card ( XXXX XXXX XXXX XXXX  ) under the promise of earning XXXX Free Nights ( valued up to XXXX Total Points ) after spending {$3000.00} on purchases in the XXXX  XXXX months from account opening. [ Please refer to the following documents : ( XXXX ) Email dated XX/XX/XXXX at XXXX with subject line Which card do you prefer? Earn XXXX or XXXX Free Nights ; ( XXXX ) Offer Details for XXXX XXXX XXXX credit card ]. Based on this offer, that same day I applied for and was approved for the credit card on XX/XX/XXXX at XXXX. [ Please refer to the email dated XX/XX/XXXX at XXXX with subject line XXXX, Your new Chase credit card is approved ]. However, after receiving the card, JPMorgan Chase failed to provide the promotional benefits as promised. Specifically, after I spent more than the required {$3000.00} on purchases in the XXXXXXXX XXXX months from account opening, JPMorgan Chase only granted me XXXX XXXX XXXX XXXX on my account. [ Please see the following documents : ( XXXX ) Credit Card Statements for the periods XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX, showing purchases totaling {$3600.00}, proving that the condition to receive the XXXX Total Points was met ) ; ( XXXX ) Credit Card Statement for the period XX/XX/XXXX to XX/XX/XXXX, showing a New Cardmember Bonus of only XXXX XXXX XXXX XXXX ; ( XXXX ) Screen Print of my XXXX XXXX XXXX as of XX/XX/XXXX, showing that to date only XXXX points have been earned in concept of New Cardmember Bonus ( please refer to the line Other points earned year to date, showing the XXXX points ) ]. I have attempted to resolve the issue and contacted JPMorgan Chase 's customer service multiple times, but their responses have been unsatisfactory, offering no resolution or proper explanation. They claim that the offer was XXXX points after {$3000.00} spend. I requested them to provide me with a written response to my request rather than just unsatisfactory verbal responses, but they refused, claiming that customer service representatives can not send emails to customers. The issues presented here are serious. I believe that JPMorgan Chase has engaged in deceptive and unfair practices in violation of federal consumer protection laws. I am seeking your assistance in addressing this matter. I request that JPMorgan Chase be required to : ( XXXX ) honor the original promotional offer as advertised and award me with XXXX points, and ( XXXX ) provide appropriate compensation for the inconvenience and financial impact caused by their actions. An appropriate compensation would involve an additional XXXX points given their egregious behavior and the amount of time I spent trying to address this with JPMorgan Chase customer service as well as preparing all the facts and documentation for this complain. Thank you for your attention to this serious matter. I trust that your office will investigate and take appropriate action against JPMorgan Chase to ensure compliance with federal regulations and protect consumer rights.