Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5462676
Complaint Overview
Complaint ID: 5462676
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Rhode Island
ZIP Code: 02908
Date Received: 2022-04-18T12:00:00-05:00
Date Sent to Company: 2022-04-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Let me start with I have perfect credit. I pay my bills on time and have little to no credit card debt. So I want whoever is reading this to understand that I am not a disgruntled customer because of high credit card bills rather angry with a dishonest company utilizing sketchy practices to potentially harm their customers. I permanently opted out of all credit card offers several years ago. I dont want nor need them and I do not want their pre-filled checks out there in the mail. Last week - XX/XX/22 Chase reactivated all direct marketing activities on my account. I contacted them immediately informing them they were breaking the law due to this action. They indicated I had never opted out even though I have not received offers from them for years. I had opted via the FTC opt out process years ago for all credit offers and have not received any until this one last week. I then told the CSR they were creating risk in sending checks to me with my name and information on them as anyone could intercept and use these checks. She responded that was highly unlikely despite the envelope they arrived in being bigger than usual and containing multiple checks. After much back and forth the CSR agreed to restate my options and that I would not receive any further marketing communications. Today I came home to a letter from Chase informing me of the timeframes it would take to this which in some cases is three months - see attached. I called them just now reiterating that they were breaking the law as I had already opted out of this years ago and their marketing team had now opened this again for myself and I am sure many other Chase customers. And she refused to do anything to resolve this issue saying that because I just opted out last week they had the ability to follow this timeframe for the next 90 days. I told her I was calling the CFPB and that they were breaking the law but she stated there was nothing she could do. I told her I would inform the CFPB that they were refusing to fix this and that this probably has happened to any Chase customer who had previously opted out. She acknowledged my concerns and the call ended.
Frequently Asked Questions
What is Complaint #5462676 about?
Complaint #5462676 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2022-04-18T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or prepaid 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.