Consumer complaint received 2024-12-12 00:00:00
Product: Credit 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.
State: IL

Complaint narrative:
On XX/XX/year>, at approximately XXXX pm, I logged onto my Chase credit card account ( Chase Freedom card ) to view my credit score. On the credit score page, a blue star appeared next to the " offers '' icon which denotes there are offers available to me. I clicked the icon and there were about 15-20 offers that populated the page. 12 or more of those were offers for credit cards. Not offers " to apply '' for credit cards. Offers " to accept '' credit cards that I was already approved for. The offer for each credit card listed on this page read : " You're approved because of your relationship with Chase. '' Of the dozen or so cards listed, some were Chase XXXX  business cards, some were hotel/airline cards, XXXX were Chase Sapphire XXXX XXXX and XXXX was a Chase Slate Edge card. The Chase Sapphire Reserve, Chase Sapphire XXXX, and Chase Slate XXXX cards all listed the credit limit I was offered. They were as follows : Sapphire Reserved- {$27000.00}, Sapphire XXXX- {$23000.00}, Slate XXXX- {$7000.00}. I reviewed all XXXX cards. The Sapphire cards had an annual fee. The Slate card did not. I read all the terms carefully more than once to make sure I was correctly understanding that I was already fully approved ( not just pre-approved ), and that was indeed what was stated. I was being made an offer to accept at my discretion. If I accepted, I would receive the card chosen, under the terms offered. I was informed I was giving Chase the option to pull my credit report from XXXX ( which didn't make a lot of sense since I was already approved ), but I decided the ding to my credit for the hard inquiry would be offset by the additional available credit added to my accounts. So, I accepted the already approved Chase Slate XXXX card with XXXX annual fee, a {$7000.00} credit limit, and an XXXX promotional 0 % interest on purchases ( and balance transfers with 3 % fee ). I, at no point, agreed to apply for any credit card! I only accepted the offer made to me by clicking the " ACCEPT '' button. 

As soon as I accepted, instead of getting some kind of acknowledgement like " Congratulations '', or " Your new card will arrive shortly, " I was instead directed to a page which read : " We need more time to review your Chase Slate Edge request. '' Request? What request? I accepted an offer! We have a deal, period! Where is my card?? 

At that moment my email lit up with multiple notices that my credit had been checked. I noticed my credit score had gone done 3 points because of the inquiry. 

I decided to wait a few days to see if the card was, in fact, on its way, but instead I got a denial letter on XX/XX/year> from Chase that states : " Thank you for applying for a new CHASE SLATE XXXX  XXXX XXXX account. We reviewed your application, and we're unable to approve this account for you at this time. '' Application? What application? I did not apply for anything! I accepted a credit card offered to me that said " You're approved because of your relationship with Chase, '' for a " Chase Slate XXXX card '' with a " {$7000.00} credit limit. ''

Company response to consumer: Closed with explanation