Consumer complaint received 2026-04-29 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: CT

Complaint narrative:
To Whom It May Concern, I received your response to my complaint regarding issue XXXX. However, I believe that the decision was based on a misrepresentation of certain important facts and timelines which, if clarified, would have resulted in a different outcome. I was not contacted by you to discuss this and so I am requesting that you review the clarifications below and revisit your decision. In the response to my initial complaint, it was noted " The account was then closed at your request on XX/XX/year>. '' I never made that request to close the account. That was done by my branch representatives in hopes to open a new account ( ending in XXXX ) and achieve the promotion, which was later determined to not be feasible by policy eligibility. It was also noted " The account ending in XXXX was opened the same day at your request to apply a new coupon. '' Again, that was done by and under advisement of my local branch reps to try and apply the coupon, for which I was not eligible. All of this is well understood. The main issue I have made clear is that the deadline to deposit new money was not evidently outlined when I registered my business account nor in subsequent communication. I have every email from that time and it is not outlined in any of them. I showed this to my branch representatives the first time they were requesting the promotion on my behalf. They agreed though could not speak further to the process of registering online, confirming it would be taken into consideration. I have been subsequently provided the information both digitally and on physical paper, but to this day have not been provided with the terms noted nor email sent when my business was registered. As noted in the Chase Secure Messaging Center communication, I would not have set up this account until I had proper funding had the deadline been made clear. Once funding was attained, I made an appointment to visit the branch due to the account closure. I executed the 5 qualifying transactions on XX/XX/year> and have maintained the {$10000.00} ever since ( just shy of 6 months, as advised ). In the Chase Secure Messaging Center, I received inconsistent terms as to the deadline for submitting my deposit. Different representatives noted 30 days, 60 days, 21 days, as well as alluding to a 2-week buffer which would have been met when I attemtped to deposit the {$10000.00} had my account not been closed. I understand well how the timeline looks to someone looking at this situation fresh. However, it has been evident the experience from my perspective has not been taken into consideration in this decision. It is very difficult to attain funding for a new business and had these terms been made clear when registering online, I would have waited until I had the full {$10000.00} to deposit. I respectfully request for the promotion to be honored and the {$500.00} granted to help the upstart of my buisiness so I can continue my long-standing personal and newfound professional relationship with Chase, as that was a main reason for opening the account. I look forward to a response, with the above finally considered. Thank you, XXXX

Company response to consumer: Closed with explanation