Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
We received the promotional mailer for {$900.00} to open checking and savings accounts. I had an investment maturing at the end of XXXX and thought we would give Chase a try. We transferred the $ XXXX to our current checking account and got our direct deposit info ready. You had to open a savings account and fund it with $ XXXX, open a checking account and set up direct deposit, and do both at the same time to get the promotional {$900.00} before XX/XX/XXXX. We went to our XXXXXXXX XXXX, branch and they said a Banker wasn't available because it was Saturday, XX/XX/year>. I asked how we could open the account without the banker and there was no way to. She said we could try and come back another time. They did not offer to make us an appointment for later and said we could not set up an appointment online because we did not have an account with them to log into. They said we could just come back in a few hours and see if the Banker 's later appointment didn't show up. I asked if there was any other way to open the account and she said online. We drove to the XXXX XXXX XXXX XXXX branch and they said the same thing. Only one banker in because it is Saturday and no solutions were offered, there were already others waiting to see the banker if his appointments didn't show up. One person appeared to be trying to open accounts like us for the promotion. We came back about an hour later and the banker was still not available. Sunday, XX/XX/year>, I went online to open the account. The Chase system would not let me open an account online because we were trying to open a joint account. The system said that you have to do that in person with the banker at your local branch. The online system directed me to a page to schedule an appointment with the banker. Our local branch in XXXX had only one appointment available for several days at an inconvenient working hours time. I scheduled an appointment with a banker in the XXXX XXXXXXXX XXXX branch for Monday at noon and drove there. We waited for 10 minutes for one the tellers to help us ( they had customers ). I said I had an appointment with Banker XXXX XXXX. They said I was the second person to come in today with an appointment, but that he was on vacation. She said she was sorry about that and offered no solution. I explained that I had already spent hours trying to open an account and that they must have someone on staff who could help us. She said, no, the branch manager is out and XXXX is on vacation. She also told me that most employees were on their vacations so that is why I was having trouble. It is ridiculous that Chase makes it so difficult to open an account. I transferred {$15000.00} to a more liquid account and traveled all over the metro area to try and make this happen. I called the XXXX XXXX XXXX on Tuesday, XX/XX/year>, and asked for the branch manager. He was unavailable and the woman on the telephone said she would give him a message to call me back. He never did. The promotional mailers were obviously a scam and this offer is clearly not something Chase plans on fulfilling. I have never been to a financial institution where opening an account is anything but the easiest thing you ever do at the bank. I believe they are using these manufactured barriers to not deliver the promotion. To make people jump through unnecessary hoops so that they don't open the accounts in the right order with the right actions so they do not have to pay the {$900.00}.

Company response to consumer: Closed with explanation