Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited a JP morgan chase Bank N.A. ( XXXX ), at XXXX XXXX # XXXX, and opened a business checking account # XXXX using an electronic promotion bonus coupon. The banker " XXXX XXXX XXXX " entered the code, and assured me that the coupon was valid, verified and entered. The coupon offered a {$500.00} bonus for depositing and maintaining {$10000.00} minimum balance in the account for 60 days. And it required a few qualified transactions as well, after 90 days, {$500.00} were to be deposited in my account. After 4 months, though I had met al the requirements, I noticed that that the bonus was not deposited. I visited the branch and met with " XXXX XXXX '', another banker since " XXXX '' was no longer there! XXXX did not know why the bonus was not deposited and so he consulted with his manager XXXX XXXX who advised us that " XXXX " had not entered the promotion coupon code and asked if I had the coupon code with me. I forwarded my email containing the number to XXXX. XXXX then informed me that the coupon had expired and that he has to contact their " back Office '' to escalate! He promised to follow up with me within 48 hours. XXXX XXXX never followed up. For two weeks I emailed, called and neither XXXX nor XXXX replied to my emails or calls. I made a second appointment, but neither XXXX, not XXXX showed up! I finally threatened to file a complaint and left. Finally the branch manager, XXXX calls to tell me, they will not honor the coupon code because in XXXX, just a year prior, I had opened a different business checking account using a different coupon. I told him, first of all both tax ID and the name of the business was entirely different. Second, If he who is a branch manager does not know that is a restriction, how am I supposed to know? andm ost importantly, Why did the employee XXXX opened my account if I did not qualify? And why did he not audit XXXX 's work after he left the bank? My money has been in the account for 120 days without accruing a XXXX as interest due to your mistake, why should I lose {$500.00}? I asked that he would put our conversation and the fact that chase is not going to honor my bonus in writing, but he refused. 

I then called the business account Customer Service, and filed a BONUS OFFER DISPUTE and complained about the manager of XXXX XXXX .They gave me a reference # XXXX and said someone will call within 48 hours. No one called! 

I then filed a complaint using the Message center in my online profile on XX/XX/XXXX. To this day, XX/XX/XXXX they gave me the same reference number and I am yet to hear from them. 

This branch is so unorganized with a high turn over turnover. In less than 6 months three bankers have left the branch ( XXXX, XXXX, XXXX XXXX and who knows if XXXX is still there, as he no showed on his appointment with me! I emailed XXXX XXXX twice, no reply. Within a 2 week period I called XXXX 4 times only to be told he is not present in the bank. They would not give me his extension either. I left 4 messages at the bank 4 different times, and he did not return my calls until I threatened to file a complaint. 


Basically, my account has been held hostage since XX/XX/XXXX, accruing no interest and I have to keep it open with a minimum of XXXX not to incur additional bank fees, and can not close the account, just incase if I get my bonus deposited. 

JP morgan Chase Bank NA is the worst Bank I have ever had to deal with, both in policy and service ( lack there of ).

Company response to consumer: Closed with explanation