Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

Chase has engaged in deceptive practice and misled me to apply for the XXXX XXXX XXXX Card, violating the Dodd-Frank Act and CFPB UDAAP regulations. After Chase acknowledged XXXX Chase employees gave me false information, they said there was nothing they can do to resolve the case. 

On XX/XX/2017, I went to the Chase Branch ( located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) to ask for information on their XXXX XXXX XXXX Card. I was interested in the card because Chase advertised free checked baggage benefit and I need that for an upcoming trip the week after. so I asked if the card could be rushed to me - if not, I will not apply for the credit card. XXXX XXXX, the banker in the branch, told me the card would be sent to me in 2-3 business days and I should receive it by XX/XX/2017. He confirmed with XXXX XXXX from Back Office Credit Card Department on the phone. XXXX spoke with me on the phone to verify my address, and confirmed that the card would be rushed out in 2-3 business days ( phone recording is available at Chase ). This later proved to be false information ( details below ), and Chase used false information to mislead me to open a new credit card account. I applied and got the account because I was pre-approved for the card. 

On XX/XX/XXXX, I called Chase customer support to check the status. I was told this credit card needs partner verification and always takes 7-10 business days. There is no way to rush the card out in 2-3 business days, and they do not know why their colleagues gave me false information. Had I been given the correct information ( 7-10 days ), I would have never opened the credit card account because the card would not arrive in time. 

On XX/XX/2017, I went back to the branch and spoke with XXXX XXXX. He spoke with XXXX XXXX from Back Office Credit Card Department on the phone, and both told me I would receive the card in 1-2 business days from XX/XX/2017. I spoke with XXXX and she confirmed ( phone recording is available at Chase ). This contradicted with the information I was given on XX/XX/2017, so I asked for XXXX 's supervisor, who then told me the card needs partner verification and requires 7-10 business days and there was no way to rush the card to me in 1-2 business days. Had I not asked for the supervisor, I would again be waiting with misleading information. 

I then spoke with XXXX XXXX at the branch, who acknowledged the XXXX aforementioned Chase employees have given me false information. I requested compensation since it was clear I would not be able to use the card in time. On the monetary front, I have lost free checked baggage benefit ( {$100.00} ) and the increase in airfare while waiting ( {$200.00} ). On the non-monetary front, Chase 's misrepresentation and misleading information has caused me an inquiry to my credit history, a hit to my credit score, and a loss of substantial credit limit. 

XXXX later told me he spoke with different departments ( including credit card department and executive office ), but they would not compensate me. I asked for names and contact information of the people he spoke with, he refused to give me. Instead, he said XXXX XXXX from Client Services is the highest authority on this and XXXX will reach out to me on XX/XX/2017 or XX/XX/2017 ( 4-5 days from XX/XX/2017 ). XXXX said there is nothing the branch or the credit department can do on this. The way Chase treats a consumer harmed by Chase 's deceptive practices was to shift responsibility within the organization and leave the consumer waiting with no concrete solution.