Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received an offer from Chase. They took all of my information, SS #, address, DOB, citizenship, driver 's license # and then said " sorry we can not offer you this right now. '' It is a phishing scheme. 

Hello : XXXX, we want to reward you with an up to {$900.00} offer Inbox Chase XXXX Unsubscribe XXXX ( 58 minutes ago ) to me Chase customers : Offer ends XX/XX/year> View Online Chase logo As a valued Chase customer, we're thanking you with an up to {$900.00} offer! 
Open a new Chase Total Checking account1 and new Chase SavingsSM account1 with qualifying activities. 
Choose the offer that is right for you Get {$300.00} Chase Total Checking For new Chase checking customers : Open a new Chase Total Checking account1 and set up direct deposit within 90 days of coupon enrollment. 
Open an account Coupon code applied when you choose " Open an account '' or Get {$200.00} Chase SavingsSM For new Chase savings customers : Open a new Chase SavingsSM account,1 deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. 
Open an account Coupon code applied when you choose " Open an account '' or Get {$900.00} for both ( an extra {$400.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking account1 and a new Chase SavingsSM account1 and get {$900.00} when you open both at the same time and complete qualifying activities.

Open both accounts Coupon code applied when you choose " Open both accounts '' Or schedule a meeting to open an account by XXXXyou 'll have the option to meet over the phone or in-person. 
Schedule a meeting Find a Chase branch near you. 
Coupon code : XXXX XXXX XXXX XXXX See below for Service Fee, Bonus/Account and other Important Information. 
Your bonus will appear in your account within 15 days after completing qualifying activities. 
How to avoid Monthly Service Fees and other product details Chase Total Checking Monthly Service Fee1 {$12.00} or {$0.00} $ XXXX Monthly Service Fee or {$0.00} with one of the following, each monthly statement period : Electronic deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment or FedNowSM network, or ( iii ) third party services that facilitate payments to your debit card using the Visa or Mastercard network, Or a balance at the beginning of each day of {$1500.00} or more in this account, Or an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying Chase checking, savings, and other balances Chase SavingsSM Monthly Service Fee1 {$5.00} or {$0.00} $ 5 Monthly Service Fee or {$0.00} with one of the following, each monthly statement period : A balance at the beginning of each day of {$300.00} or more in this account, Or {$25.00} or more in total Autosave or other repeating automatic transfers from your personal Chase checking account ( available only through chase.com or Chase Mobile ), Or a Chase College CheckingSM account linked to this account for Overdraft Protection, Or an account owner who is an individual younger than 18, Or a linked Chase Premier Plus CheckingSM, Chase SapphireSM Checking, or Chase Private Client CheckingSM account Other fees apply. See the Clear & Simple Product Guide ( PDF ), Interest Rates, and Deposit Account Agreement for more information. Account ( s ) subject to approval.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chase. 
Chase logo Email Security Information : Email intended for : XXXX If you have concerns about the authenticity of this message please visit chase.com/CustomerService for options on how to contact us. 
Important Information 1Service Fee : Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period : Option # 1 : Have electronic deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment or FedNowSM network, or ( iii ) third party services that facilitate payments to your debit card using the Visa or XXXX network ; or, Option # XXXX : Keep a balance at the beginning of each day of {$1500.00} or more in your checking account ; or, Option # 3 : Keep an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying Chase checking, savings and other balances. Otherwise a XXXX XXXX  Monthly XXXX XXXX will apply. 

Chase SavingsSM has no Monthly Service Fee when you do at least one of the following each statement period : Option # 1 : Keep a balance at the beginning of each day of {$300.00} or more in your savings account ; or, Option # 2 : Have {$25.00} or more in total Autosave or other repeating automatic transfers from your personal Chase checking account ( available only through chase.com or Chase Mobile ) ; or, Option # 3 : Have a Chase College CheckingSM account linked to this account for Overdraft Protection ; or, Option # 4 : Have an account owner who is an individual younger than XXXX ; or, Option # 5 : Have a linked Chase Premier Plus CheckingSM, Chase SapphireSM Checking, or Chase Private Client CheckingSM account. Otherwise a $ XXXX  Monthly Service Fee will apply. 

Checking and Savings : New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period ( if applicable ). 

Product terms subject to change. For more information, please see a banker or visit chase.com/checking or chase.com/savings. 

Bonus/Account Information : Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; and 2 ) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. Person to Person payments ( such as XXXX ) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days. To receive the savings bonus : 1 ) Open a new Chase SavingsSM account, which is subject to approval ; 2 ) Deposit a total of {$15000.00} or more in new money into the new savings account within 30 days of coupon enrollment ; and 3 ) Maintain at least a {$15000.00} balance for 90 days from the coupon enrollment. The new money can not be funds held by you at Chase or its affiliates. After you have completed all the above savings requirements, we'll deposit the bonus in your new account within 15 days. To receive the extra bonus : You must open the checking and savings account at the same time and complete all requirements above for both the checking bonus and savings bonus. After you have completed all requirements, we will deposit the remaining bonus due in your new account within 15 days. To receive any of the above bonuses, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. The Annual Percentage Yield ( APY ) for Chase SavingsSM, effective as of XX/XX/year>, is 0.01 % for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. Bonuses are considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ).

about this message This promotional email was sent to you to provide information about products, services, or special offers that may be of interest to you.

You can unsubscribe from future promotional emails from the JPMorgan Chase & Co. family of companies including " special offers from Chase '' such as this or submit your request in writing to Chase Privacy Operations, XXXX XXXX XXXX, XXXX, TX XXXX. It takes up to 10 business days to process your request. You'll continue to receive Chase service emails.

This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us.

Your privacy is important to us. See our online Security Center to learn how to protect your information. 

JPMorgan Chase Bank , N.A . Member FDIC 2025 JPMorgan Chase & Co . 
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Company response to consumer: Closed with explanation