Credit card -- Advertising and marketing, including promotional offers -- Complaint #14089685
Complaint Overview
Complaint ID: 14089685
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Texas
ZIP Code: 78222
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a promotional balance transfer offer through my Chase Freedom Unlimited credit card. The offer said I could transfer a balance or " use your Chase card to deposit money into a checking account '' at 0 % APR until XX/XX/year>, with a 3 % transfer fee. However, when I tried to take advantage of the offer, Chase did not provide an option to deposit into my checking account. I called Chase customer service and was told this option is not available despite the clearly advertised language stating that I could. I took a screenshot of the message in my Chase account showing this option being offered. This is misleading marketing and a bait-and-switch tactic. Chase is offering financial terms that they refuse to honor. This appears to be a violation of the Truth in Lending Act and CFPB guidelines regarding promotional credit offers.
Frequently Asked Questions
What is Complaint #14089685 about?
Complaint #14089685 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.