Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I applied for the Chase XXXX XXXX XXXX Credit Card on Chase 's website after logging into my existing Chase.com account. My application was pending and they called the next morning to confirm it was me that applied before approving the application. 

The offer I applied for was tiered : XXXX. XXXX Bonus points for $ XXXX spend in 90 days. 
XXXX. Up to additional XXXX bonus points by earning XXXX additional point per {$1.00} on purchases that typically earn XXXX bonus points. Up to {$15000.00} spend in the first 6 months XXXX. XXXX elite tier nights after approval for the card through XX/XX/year>, up to XXXX bonus nights. 

They are not honoring the XXXX aspect even though the XXXX point is the driving factor for me applying. They are now operating with a " bait-and-switch '' tactic and stating that they can't find any mention of this offer despite me providing evidence. 

XX/XX/XXXX : Offer made available with a deadline of XX/XX/XXXX. 
XX/XX/XXXX : Offer publicized widely - travel and credit card blogs, in the XXXX app, in the Chase app, on the Chase website, etc. 
XX/XX/XXXX : I applied after logging into my chase.com account. - application was pending review XX/XX/XXXX : Chase called to confirm it was indeed me that submitted the application and not fraudulent. Approved the application after confirming. 
XX/XX/XXXX : I submitted a secure message to Chase asking to confirm all three aspects of the welcome offer because the only tracker only shows the first aspect. 
XX/XX/XXXX : Message forwarded to the " appropriate department '' XX/XX/XXXX : Received response where they confirmed the first two aspects of the welcome offer but neglected to mention or respond to the third aspect. 
XX/XX/XXXX. I responded mentioning the missing component of their earlier response. 
XX/XX/XXXX. My message was forwarded to the " appropriate department ''. 
XX/XX/XXXX : Received response stating that they do not see anything regard the XXXX elite nights and requested additional information. 
XXXX XXXX : I responded with screentshot of the terms and conditions of the XXXX elite night offer that included the application window. 
XX/XX/XXXX : My message was forwarded to the " appropriate department '' and I should expect a response within XXXX business days. 
XX/XX/XXXX : Submitted an email to XXXX detailing the issue and requesting they honor the offer. I included screenshots of the terms as well as a screenshot of the landing page for the offer when the offer was still live. 
XX/XX/XXXX : Received a phone call from XXXX in the XXXX office stating that they were taking the case. 
XXXX XXXX : Received a missed call and a voicemail from XXXX in the XXXX office stating that they could not find any such offer that I described and provided screenshots for. She left a call back number with a direct extension ( the same one she left me on XX/XX/XXXX ). I attempted to call it and the operator states that " this toll free number is not assigned '' ( XXXX : XXXX ext XXXX ). I attempted to call back the number from which she called me on both days and the automated message does not provide any options to speak with anyone or enter an extension. ( XXXX ). 
XX/XX/XXXX : I sent another secure message with the same screenshots AS WELL AS a link to the internet archive which shows the offer publicly available on their webpage on XX/XX/XXXX - during the offer window which I applied. Link here : ( https : XXXX : //creditcards.chase.com/travel-credit-cards/world-of-hyatt? XXXX ). 

I am simply requesting that they honor their public offer for which I applied. The offer was the driving factor for me applying for the card. Had that offer not been available, I would not have applied.

Company response to consumer: Closed with explanation