Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/year>, I was approved for a Chase credit card after receiving a written paper offer ( Bonus {$200.00} credit statement after spending {$500.00} in the first 3 months ) addressed to my name and address. No issue with this card. 

While going over my credit card daily expenditure online, Chase Bank posted added seductive offers at the bottom of the online page, with the option to click on more bonuses below : - {$200.00} bonus when opening a checking account by depositing a minimum {$1500.00} to avoid a $ 12 monthly fee and keeping this minimum balance for 3 months. 
- {$300.00} bonus when opening a savings account by depositing a minimum {$15000.00} to avoid a $ 5 monthly fee and keeping this minimum balance for 3 months. 
- {$100.00} bonus extra if both accounts have been maintained until XX/XX/year>. 

Those offers were right below my daily balance summary information on the credit card, online. Just a couple of clicks and the deal was done! 

I clicked on both offers and was immediately accepted as I have an excellent credit score. 

As soon as I received the account numbers on XX/XX/year> I wired : - Checking account, the sum of {$1500.00} : transaction XXXX. 
- XXXX account, the sum of {$15000.00} : transaction XXXX Both funds were immediately wired directly from my established XXXX XXXX XXXX bank account XX/XX/year> at XXXX. 
Chase emailed me XX/XX/year> at XXXX AM confirming that my Checking and XXXX accounts are both open and ready as I had loaded them with money. 
I received a confirmation communication at XXXX confirming money transfer : transaction XXXX XXXX XXXX. 

On XX/XX/year> after I wired the funds, I received a phone call from XXXX XXXX from XXXX Chase ( phone call XXXX XXXX ) that funds had not been wired, in spite of having received an email confirmation number that funds were wired. She insisted that I must present XXXX checks in person to the teller at the Chase XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX because the funds were never wired!!! About XXXX XXXX XXXX away. 

I mentioned that I just had a knee XXXX on XX/XX/year> and was on crutches and was not allowed to walk and felt very dizzy when standing up. Besides, I did receive an email confirmation that the funds had been wired and my XXXX XXXX Bank account showed both funds were wired as the funds were gone. This phone call was so odd that I believed it was a scam phone call. 

On XX/XX/year>, later in the day, another person from the fraud department in XXXX, under the name of XXXX called me to let me know that the wire did not go through. I retorted that my XXXX XXXX account distinctly shows that the funds were wired with a confirmation number as proof and my account had been depleted. I have the bank statements to prove that both funds were wired on XX/XX/year>. XXXX then explained with those exact words, that the Chase Banking system was not as efficient as XXXX XXXX and therefore had not yet entered my account numbers in their system in XXXX when both funds were wired!!! 

How could this be since I received an email on XX/XX/year> that the accounts were ready and set up with account numbers! He explained that both account numbers were an automatic email but in reality, the accounts were not set up yet!!! 

I questioned him about the possibility of wiring money if there is no account number to wire to??? He retorted that he knows I wired the funds but for security reasons I must present myself at the branch and hand a check in person to avoid any fraud on their end. I explained that I am not allowed XXXX XXXX yet, felt extremely dizzy from the XXXX but I will ask someone to take me to the XXXX XXXX Chase Bank. It was absolutely inconvenient to get there, being forced to walk on crutches only because Chase XXXX admitted their slow system yet the urgency as the bonuses offered would soon expire. 

On XX/XX/year>, I was driven to the Chase Bank to present XXXX checks in person : {$1500.00} for the checking account {$15000.00} for the XXXX account The camera in the bank would clearly demonstrate how I was struggling to move around. 

On XX/XX/year>, XXXX XXXX, introducing himself as my personal banker from Chase XXXX, called me at XXXX AM and spoke for XXXX minutes until XXXX AM to tell me there is no confirmation number of any wiring even so the funds have been recorded word for word. 

On XX/XX/year>, I received a XXXX minute call from XXXX, from the XXXX XXXX, who admits he is unable to help : record XXXX. 

On XX/XX/year>, a person named XXXX XXXX claiming to be a Chase personal banker will dig into my case. Never called back. 

Another Chase clerk, named XXXX, who was unable ( or unwilling ) to give me a reference ( suspicious ), told me that funds must be sitting in the account 3 months + 15 days before getting any bonuses. First time I learned this new information about adding 15 days on top of the 3 months. 

XX/XX/year>, XXXX XXXX informs me that I did keep all the funds in a timely manner and shall not be charged any penalties with my Checking and XXXX account. 

I was awarded the {$200.00} bonus for keeping the checking account as per the minimum time frame requirement. 
The bonus {$300.00} and extra {$100.00} bonus offers were rejected, not because of time frame requirement or lack of minimum funds, but because I deposited a check!!! Which is what I was told to do!!! 

I was so frustrated from this saga, ill advice, malfaisance that I decided to close both checking and savings on XX/XX/year>. I was sick to my stomach about the manipulation used to lure me to deposit XXXX checks in person and being tricked to avoid the promised bonuses payments. 

When I decided to close the accounts, again, I was not permitted to do the transaction online or over the phone. I was obliged to go in person at the center city branch. 

The online click to open the initial accounts appeared too easy to be true. The click ended up being complicated maneuvers and loss of valuable time. 

Chase Bank enriched themselves while my {$15.00} were sitting in the savings accounts. Not XXXX bank clerk alerted me that I was ineligible for the {$300.00} and {$100.00} bonus promised when I opened the account. Why did it take over 3 months?

Company response to consumer: Closed with explanation