Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

Unfair Treatment Regarding Advertised Bonus : Chase Checking and Saving Account Opening To Whom It May Concern, I am writing to file a formal complaint regarding the unfair treatment I experienced while attempting to avail myself of a promotional bonus advertised by XXXX. On XX/XX/XXXX, I initiated the process of opening both a checking and savings account via the provided email link, specifically aiming to qualify for the {$900.00} bonus after fulfilling all stated requirements. 

The advertised bonus was explicitly outlined, detailing that it comprised {$300.00} for meeting the checking account requirements, an additional {$200.00} for meeting the savings account criteria, and a further {$400.00} bonus for successfully completing both sets of conditions. Notably, the button indicating " Coupon code applied when you click 'Open both accounts ' '' was prominently displayed in the advertisement. 

I had previously held a XXXX college checking and savings account, which I closed around XXXX of this year ( 2023 ). Per the terms, the bonus was not eligible for customers who closed their XXXX accounts within 90 days. At the time of my application, it had been over XXXX months since the closure of my accounts, rendering me eligible as per the stipulations. 

On XX/XX/XXXX and XX/XX/XXXX, I fulfilled the criteria for the checking account by making direct deposits totaling {$500.00}, as required for the {$300.00} bonus, diligently meeting all the specified conditions by the given deadlines. Also, I made the deposit of {$15000.00} to fulfill the saving account bonus requirement. 

However, on XX/XX/XXXX, upon inquiring about the status of my bonus via customer service, I encountered conflicting information. The first representative claimed my ineligibility due to an existing account, which conflicted with the terms outlined. Subsequently, a second representative asserted that I had failed to apply a coupon code during my application process. However, I was under the impression that the coupon would automatically apply upon using the designated link, as indicated in the advertisement. 

In an attempt to rectify this discrepancy, I visited a local branch on the same day at XXXX XXXX, hoping to clarify and resolve the issue. Regrettably, the branch representative could not identify any coupon associated with my application and advised against further online attempts, citing the branch 's lack of access to application information. This left me feeling incredibly frustrated and aggrieved, especially considering that I had diligently fulfilled all stipulated requirements, only to be met with a lack of acknowledgment and accountability on XXXX 's part for their apparent technical shortcomings. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter and ensure fair treatment for consumers like myself, who have acted in good faith and complied with all advertised terms, only to face undue complications and denied entitlements due to apparent systemic issues within XXXX 's application process. 

I would appreciate a swift and thorough investigation into this matter and a resolution that upholds fairness and accountability in consumer dealings. 

Thank you for your attention to this issue. 

Sincerely,