Consumer complaint received 2020-03-11
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. (GA)

I rcvd an email ( XX/XX/XXXX ) showing my progress towards obtaining the sign-up bonus and it showed the bonus as being {$150.00} ; the amount should have been {$200.00} as advertised. 

I called Chase on XX/XX/XXXX and spoke to two different people. The supervisor asked me to sent a secure message with the screenshot I have for proof in order to get the bonus amount corrected. I sent a message with a brief overview of what occurred : " I should have received a {$200.00} bonus but was erroneously offered {$150.00}. See the screenshot to see the sign up bonus that I was offered. '' The response on XX/XX/XXXX says : " Hello XXXX, Thank you for contacting Chase requesting {$200.00} bonus offer. 

We value your relationship with Chase and want to ensure we address your needs as a customer. XXXX, let me share the {$200.00} sign up bonus offer is eligible for customer you applied for the card directly through Chase.com. But if you apply for the card using affiliate links or ad on other website then you're eligible for the {$150.00} sign up bonus offer. I apologize but as you did not apply for the card through the appropriate channel we are unable to match the offer. 

You will receive XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open. 
Your purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX Chase Email Servicing XXXX XXXX  : XXXX '' I sent a reply the same day XX/XX/XXXX : " The link I used to apply is : https : //creditcards.chase.com/cash-back-credit-cards/freed om/card This is not Chase 's website? It certainly looks like it. 

If a satisfactory resolution is not met I will be making a report to the Consumer Financial Protection Bureau for false advertising. '' I rcvd a response XX/XX/XXXX stating : " Hello XXXX, We understand that you received a offer for {$200.00} cash back for the new Freedom credit card. We will be glad to address your inquiry. 

XXXX, let me share with you that the enrollment offer for an account is determined by the mode/ link used to submit the application. Promotional offers keep changing periodically based on market conditions and campaigns. We keep mailing new offers to our customers so they can apply for the card and take advantage of the most recent offers. 


Although your account isn't eligible for the new offer of XXXX bonus points ( equal to {$200.00} cash back ) which you requested, the original offer is still available and will remain on your account. You'll earn : - XXXX bonus points ( equal to {$150.00} cash back ) after you spend {$500.00} on purchases in the first 3 months from account opening. 

We know that this is not the outcome you are hoping for, we ask that you trust that this decision is the same for all members. We feel that adhering to the same policy for all members is the best way to remain fair and consistent. 

We appreciate your business and thank you for being a Chase customer. 

Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX ''