Consumer complaint received 2022-05-27
Product: Credit card or prepaid 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. (MI)

Hello, I signed up for the Chase United Business Explorer card on XX/XX/XXXX. I saw an offer on the Chase website for this card ( see screenshot ) that advertised a promotional offer of : " Up to XXXX bonus miles XXXX miles after {$5000.00} on purchases in the first 3 months your account is open, plus XXXX more miles after {$20000.00} total on purchases in the first 6 months your account is open. 

This bonus offer is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. '' I have never had a Chase United Business Card before, and the only United credit card I ever held before applying for this business card was in XXXX. It was a personal card ( so not the same product ) and doesn't fall within the 24 months stated in the terms above. Therefore, I was eligible. I ( thankfully ) took a screenshot to send to my husband as I was excited and proceeded to click the " Apply Now '' button as seen on the screenshot with the offer and applied. My application was accepted and I received the card about a week later. 

After receiving the card, I proceeded to use it for my expenses. On XX/XX/XXXX, I received the first XXXX miles for spending {$5000.00} ( see screenshot ). I proceeded to use the card regularly and reached {$20000.00} of spending in XX/XX/XXXX. 

A few days ago, on my account within Chase, I noticed that it shows how many miles will be given to you on your next statement, and that the additional XXXX miles were not included in that number. I reached out via Secure Messages within Chase to inquire about why this was the case. They responded that I had received the XXXX bonus already. I pushed back and restated the terms of the promotion I had applied for and they responded with " XXXX, we're sorry, your account is not eligible for the offer you requested. '' ( see PDF for full back and forth ) I then took to calling the credit card line to try to get someone to speak to me. A woman picked up, I explained the situation. She said that the promotion on my account was only for spending {$5000.00} within 3 months and receiving XXXX miles. She said that WAS aware of the promotion that I was talking about however. She said that there was nothing she could to apply the promotion to my account if it wasn't already attached to it. I pushed back, explained that I applied through an " Apply Now '' button ON the promotional offer, read her the offer, and she still said there was nothing she could do. She also said that there was no reason listed on my account for why I was ineligible for this promotion and she did not know why my account didn't qualify. I asked if there was anything else I could do and she said no. 

From where I stand, I was enticed by a false promotional offer on the Chase website. I would not have opened this credit card, paid a {$99.00} annual fee and then proceeded to spend {$20000.00} using the card if it had been the XXXX mile offer that I have seen many times before. The fact that Chase can not give me a reason as to why my " account is ineligible '' only makes this feel even more like a bait and switch tactic.