Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
COMPLAINT AGAINST JPMORGAN CHASE BANK , N.A . XXXX. INTRODUCTION & BINDING CONTRACT TERMS I am filing a formal complaint against JPMorgan Chase Bank for XXXX XXXX XXXX XXXX, Deceptive Marketing Practices ( UDAAP violations ), XXXX evasive customer service tactics. I opened a Chase XXXX XXXX XXXX Chase XXXX promotional package in person at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I specifically opened these accounts in the branch XXXX guarantee that the {$900.00} package promotional codes were legally XXXX successfully attached XXXX both accounts, which my opening paperwork confirms. The written offer terms Chase provided XXXX me state : The Checking Offer : Receive a {$300.00} bonus after opening a Chase Total Checking account and having your direct deposit from employer or government made into your new checking account within XXXX days of your coupon enrollment. The {$300.00} bonus will be deposited within XXXX days of satisfying this requirement. The Written Fine Print Disclosures : The physical brochure I received in mail states : " Your direct deposit needs XXXX be an electronic deposit of your paycheck, pension or government benefits ( such as social security ) from your employer or government. '' This contract absolutely nowhere states that government direct deposits can not be government tax refunds. Legally XXXX technically, both XXXX XXXX California XXXX XXXX XXXX deposits are official electronic payments originated directly by a government entity, which completely satisfies XXXX requirement for a deposit from the " government. '' Under established contract law ( the doctrine of XXXX XXXX ), any ambiguity created by the bank 's broad terminology must be interpreted in favor of the consumer. Furthermore, the contract 's use of the phrase " such as social security '' is legally an illustrative example of a government source, not an exclusive limitation. If Chase intended XXXX limit qualifying deposits strictly XXXX retirement or social security, it was contractually required XXXX state " limited exclusively XXXX. '' Because Chase failed XXXX list government direct deposits in the form XXXX tax refunds as an explicit exclusion in this binding contract, using a hidden internal policy filter XXXX deny my bonus constitutes a direct breach of contract XXXX deceptive marketing under federal XXXX laws. The Email Marketing Confirmation : Furthermore, Chase sent me an email marketing regarding this specific {$900.00} offer XXXX in their fine print at the bottom state : " Qualifying electronic deposits include payments from your employer or government entities ( benefits, tax refunds, etc. ), made using the XXXX network ... '' XXXX XXXX XXXX XXXX Offer : Receive a {$200.00} bonus after opening a new Chase SavingsSM account and depositing {$15000.00} or more in new money within XXXX days, maintaining that balance for XXXX days. An additional {$400.00} package bonus is promised if both the checking XXXX savings accounts requirements are successfully fulfilled, bringing the promotional package total XXXX {$900.00}. XXXX. CHRONOLOGY OF PERFORMANCE & BREACH I fully accepted XXXX performed my obligations under the contract terms by completing the following qualifying electronic transactions : XX/XX/year> : My checking account received a qualifying electronic Federal Government XXXX XXXX XXXX from the IRS TREAS ( Tax Refund ) in the amount of {$2200.00}. XX/XX/year> : My checking account received a qualifying electronic State Government XXXX XXXX XXXX from the California FRANCHISE TAX BD ( Tax Refund ) in the amount of {$130.00}. XX/XX/year> : I deposited over {$15000.00} in new money into my saving account XXXX fund the savings portion of the promotion. According XXXX Chase 's strict contractual terms, the {$300.00} checking bonus was required XXXX be deposited into my account within XXXX days of XX/XX/year>. Chase failed XXXX pay the bonus and breached the promotional agreement. XXXX. EVASIVE CUSTOMER SERVICE & DECEPTIVE BUSINESS PRACTICES I have wasted an unacceptable amount of personal time over the last month attempting XXXX resolve this issue, only XXXX meet severe corporate stonewalling : XX/XX/year> ( XXXX XXXX ) : I called customer service via the number on my card. The supervisor, XXXX, refused XXXX provide her employee XXXX or any identification numbers, stated she could not explain the missing bonus, XXXX told me XXXX physically go XXXX the branch. XX/XX/year> : I went XXXX the XXXX branch where I opened my accounts XXXX met with Branch XXXX XXXX XXXX. She looked into my accounts, verified my valid XX/XX/XXXX XXXX XX/XX/XXXX government XXXX deposits, XXXX stated she had XXXX email an un-callable internal department XXXX would follow up. XX/XX/year> ( XXXX PM ) : After a week of total silence from the bank, I sent an email XXXX Branch XXXX XXXX XXXX requesting a written update. Because of the highly unprofessional phone support I previously received, XXXX not hearing from the branch XXXX, I explicitly stated I required all future updates in writing via email XXXX maintain a clear record. XX/XX/year> ( XXXX XXXX ) : Instead of replying in writing, the branch XXXX ignored my request, called my cell phone, XXXX left a voicemail XXXX pull me into unrecorded phone tag. I immediately replied via email a XXXX time, reiterating my requirement for a written status update. XX/XX/year> : XXXX XXXX XXXX XXXX sent a brand-new email message completely dodging the previous email thread, scrubbing the words " unpaid bonus '' from the subject line, titling it Update and stating only : " Please give me a call back at XXXX at your earliest convenience. '' Chase bank personnel are actively engaging in deceptive practices by intentionally refusing XXXX put account status disclosures or bonus denials in writing via email. They are attempting XXXX force unrecorded phone calls XXXX avoid leaving a XXXX XXXX of their breach of contract. If Chase is engaging in these dishonest marketing games for the first {$300.00} checking bonus that is already legally due, I have no reason XXXX trust that they will honor the remaining {$200.00} savings bonus XXXX the additional {$400.00} package bonus when they come due. XXXX. SUBMITTED EVIDENCE ATTACHMENTS I am uploading the following irrefutable documentation XXXX support this complaint : My official bank account opening paperwork from the XXXX branch showing the promotional package code was attached. The physical marketing brochure regarding direct government deposits with no tax refund exclusion. The official Chase marketing email explicitly stating " government entities ( benefits, tax refunds, etc. ) '' count as qualifying deposits. Phone screenshots documenting my XX/XX/XXXX call XXXX customer service. The complete, timestamped email logs sent to XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX, alongside her evasive XX/XX/XXXX email response.

Company response to consumer: Closed with explanation