Consumer complaint received 2025-06-27 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:
XXXX has been closed by the CFPB but everything stated in that complaint by me was the truth, and everything stated in that complaint by Chase was XXXX XXXX. At the time, I had no proof to back it up, but now I do. Chase once again made the identical offer stated in XXXX and I took screenshots. The offers say " You're Already Approved '' just like last time. Please XXXX  this company for not only not providing me with the XXXX  card offered and accepted, but also for dinging my credit, and then XXXX  about the entire promotion. History is pasted below : XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Credit card Issue Advertising and marketing, including promotional offers We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On XX/XX/year>, at approximately XXXX pm, I logged onto my Chase XXXX  XXXX  account ( Chase XXXX card ) to view my XXXX XXXX. On the XXXX XXXX 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 XXXX offers that populated the page. XXXX or more of those were offers for XXXX  cards. Not offers " to apply '' for XXXX  cards. Offers " to accept '' XXXX  cards that I was already approved for. The offer for each XXXX  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 XXXX  cards, some were XXXX cards, XXXX were Chase XXXX  cards XXXX and XXXX was a Chase XXXX XXXX  card. The Chase XXXX XXXX  Chase XXXX  XXXX, and Chase XXXX XXXX cards all listed the credit limit I was offered. They were as follows : XXXX XXXX- {$27000.00}, XXXX XXXX- {$23000.00}, XXXX XXXX- {$7000.00}. I reviewed all XXXX cards. The XXXX cards had an annual fee. The XXXX 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 XXXX  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 XXXX  inquiry would be offset by the additional available credit added to my accounts. So, I accepted the already approved Chase XXXX 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 " XXXX '' 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 XXXX XXXX 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 XXXX XXXX had gone done XXXX 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 XXXX 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 XXXX  card offered to me that said " You're approved because of your relationship with Chase, '' for a " Chase XXXX XXXX card '' with a " {$7000.00} credit limit. '' Attachments XXXX ( XXXX KB ) Chase denial letter rec 'd XXXX ( XXXX MB ) View full complaint Sent to company Status Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in XXXX  days. In some cases, the company will let you know their response is in progress and provide a final response in XXXX  days. 

Company responded XXXX XXXX responded on XX/XX/year> Response Type Closed with explanation Company 's Response Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We researched your concerns about your credit card application. Although you XXXX have received an offer from our XXXX XXXX for a pre-approved credit card, the pre-approval is based on our ability to establish credit worthiness before we can approve the credit card application. We have enclosed a copy of the letter we sent to you on XX/XX/year>, which states that we declined your application due to the number of recently opened accounts on your credit report. If you would like us to reconsider our decision, you can contact XXXX XXXX Services at XXXX. The business hours are XXXX a.m. to XXXX p.m. Monday through Friday, XXXX a.m. to XXXX p.m. Saturday and XXXX a.m. to XXXX p.m. on Sunday XXXX XXXX. We are not able to comply with your request for a one-time payment to match the credit limit for your pre-approved offer. 
Attachments XXXX, XXXX CFPB Enclosures XXXX ( XXXX KB ) Feedback provided Status Feedback provided on XX/XX/year> Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS They lied. It was not a pre-approval. It was a full approval because of my relationship with Chase. That is what all the offers said, and there were multiple offers. I stand by my complaint and ask that CFPB look into this matter. 
What happens now? 
The complaint process is complete and your complaint is now closed. 

We have taken the following additional actions on your complaint : We added your complaint to the XXXX XXXX Complaint Database. 
Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who XXXX have similar issues and concerns. 

Closed The CFPB has closed your complaint.

Company response to consumer: Closed with explanation