Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Friend informed me how great Chase Bank was. I presently bank with Truist bank in XXXX, Ky. However, I no longer go over to that city. I now do business in XXXX, KY which has a Chase Bank, but no XXXX XXXX. Thus, I went online to open a checking account with Chase Bank. They had marketing promotions on their site. One promotion was if you referred somebody, you received a bonus.. Another was if you were a new customer at Chase opening a checking account there was a {$300.00} bonus. For the friend that recommended them so highly, I only thought it fair she should receive the bonus.. Thus, she sent me a referral code XXXX XXXX. I went on line and tried to open a checking account. It stated it could not verify my identity, I would have to go to a branch. I called Chase Bank toll free number and they informed me I would have to go to a branch to open account, couldnt be done on phone. Thus approximately XXXX XXXX  on XXXX, XXXX. XXXX, XXXX, I went to Chase bank on XXXX XXXX, XXXX, Ky, it was approx. XXXX minutes from my residence. I entered bank and a lady at a open booth on the right side past the tellers asked me if she could help me. I informed her I wanted to open a checking account. She stated she could help me. Thus I sat down and I gave her 2 promotions coupons : one was promo referral code coupon from friend, and the other was {$300.00} checking promotion coupon for new checking account. I explained to her I tried to do it online and I was refused as online couldnt verify my identity, thus I was informed it must be done at a branch. She looked at coupons and started asking me personal questions about my banking history, which I didnt mind, and I answered but it was taking a lot of time and she hadnt done any paperwork. So I started getting confused and I gave her my drivers license. She looked at my drivers license and then stated within seconds, I cant open account for you. It was almost a spontaneous refusal. She got really rude with me. She stated we dont know anything about these coupons, youll have to do it online. ( why didnt she tell me that when I gave her the promo coupons? ) I again informed her that online and Chase stated I needed to come to a branch. She told me she doesnt do checking accounts herself. I stated to her, you led me to believe you could do checking account so why did you ask me for all my information and waste my time? ( It made no sense. ) She didnt even apologize for her behavior. So I asked her why did you tell me that. She wouldnt answer. This was the worst experience I had at a bank ever, she treated me like I was a bother. That evening I called Chase Bank national number and filed a complaint. I was informed somebody from the bank would get back to me within XXXX hours, as I asked that the bank manager call me. I was also informed all branches know about the promotional coupons. ( I pondered if the episode at the bank was just some crazy rude bank employee, and maybe the manager didnt know about their behavior. ) The Chase national person apologized for the way I was treated, led me to believe it was not a common practice. Informed me to make an appointment with a banker at the XXXX branch. Which I did. I believe now I was a victim of age discrimination as I was not refused a checking account until bank person was given my drivers license showing I am XXXX and it was almost immediate refusal. I am including both coupons with this complaint. I believe the referral was {$50.00} offer. Note : I made a appointment and will file another 2cd. complaint concerning what happened at that appointment. ( I never received a call from a bank manager. ) XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation