Consumer complaint received 2017-05-10
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. (NY)

Complaint:
I visited the Chase branch located at XXXX XXXX XXXX XXXX, in XXXX, New York on XXXX XXXX, 2017 for the purpose of applying for the XXXX XXXX XXXX card. I signed in to the log located in the waiting area at approximately and waited for a rep. I sat with a rep and explained that I was interested in applying for the Reserve card and asked about the sign up bonus. I am out of the country at the moment, but I have the representative 's card at home and will resubmit this complaint with the representative 's name when I return to the US at the end of this month. The rep explained that anyone that applied in branch on XXXX XXXX, 2017 would be eligible to receive 100,000 Ultimate Rewards points if the applicable spending requirements were met. I then asked him to proceed with the application. He told me that so many people were applying for the card that the Chase system was overwhelmed and that to accommodate everyone, they would use the online application in branch. He assured me that I would nonetheless be eligible for the 100,000 Ultimate Rewards points offer and then handed me his keyboard so that I could fill out the application that he had pulled up on the internet. I completed and submitted the application. I did not get an instant response. I then asked him to confirm again my eligibility for the 100,000 bonus points offer and again he assured me. I asked for his card, which he gave me. I then asked whether I needed anything else from him and he said no. On XXXX XXXX, 2017, I received a call from the same rep from the branch who told me that I had been approved for the XXXX card. I received the card a few days later ( I think on XXXX XXXX, 2017. I called customer service as soon as I received the card because I was concerned about the quality of the printing on the card and asked for a replacement card. I spoke with a representative and asked again about my eligibility for the 100,000 Ultimate Rewards offer and was told again, by another Chase rep that I was eligible. I have since completed the spending requirements and have received only 50,000 Ultimate Reward bonus points. I have contacted Chase regarding this matter and they are now arguing that I am not eligible because I applied online and because my account was not opened until XXXX XXXX, 2017. This is not acceptable. As I have explained, I applied IN BRANCH on XXXX XXXX, 2017. The fact that Chase could not complete the application in branch and that Chase reps were forced to use the online application form for customers in branch does not negate the fact that I applied in branch. Moreover, the fact that Chase did n't get around to processing my application until XXXX XXXX, 2017 because their system was overwhelmed, does not negate the fact that I applied on XXXX XXXX, 2017 IN BRANCH. I was told several times by two different Chase representatives that I was eligible for the 100,000 Ultimate Rewards points offer and I kept my end of the bargain. I fully expect Chase to hold up theirs. We can not continue to let banks misinform and cheat customers. Chase got what they wanted from me, which was spending of {$4000.00} within 90 days of account opening. Now they are trying to back out of what they promised me. This is CHEATING and STEALING! How many others are they pulling this stunt with? There were many others in the XXXX XXXX branch on XXXX XXXX, 2017 applying for the card. They also were forced to fill out an online application because Chase could not accommodate the number of applications with their in branch system. This can not stand!!! No wonder why the public has lost all confidence in these institutions.

Company response to consumer: Closed with non-monetary relief