Credit card or prepaid card -- Getting a credit card -- Complaint #5812857
Complaint Overview
Complaint ID: 5812857
Company: Jpmorgan Chase & Co.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: California
ZIP Code: 93619
Date Received: 2022-07-26T12:00:00-05:00
Date Sent to Company: 2022-07-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Friday, XX/XX/2022 I went to the Chase branch on XXXX in XXXX, CA to apply for the Chase Sapphire XXXX Credit Card. I had an appointment to meet with a banker, as I learned that if I applied in person, the bank would waive the first year fee. The banker was very helpful, walked me through all the signatures needed, and confirmed the rewards profile on the card that I applied for. After returning home that day, I logged onto my mobile banking app and immediately noticed the card featured was the free XXXX card which I had no interest in applying for. I immediately spoke with the bank. The banker spoke to her manager, and offered me two options : either close this account and apply for the new card, or apply for the additional, correct card. They reported it was impossible to simply switch the cards over. I asked for the documents, to ensure that I had signed up for the correct card ( perhaps the mistake was mine ). On XX/XX/XXXX, The banker said she would find a way to get me the documents ; I still am waiting for these ( 3 months later ). I have filed a complaint with the escalations department shortly after. The banker reportedly sent her email to the escalations department on XX/XX/XXXX, however after talking to the escalations department representative on XX/XX/XXXX she requested another form from the banker and her manager. I left multiple voicemails to the banker requesting an update. I emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update ; the only response was on XX/XX/XXXX, reporting she would reach out the escalations department. I still have never heard back. I am growing increasingly frustrated with the breach of contract on the bank 's behalf. As I said before ; I requested documents to ensure that I did not sign any documents erroneously- but the banker has not assisted me, and is now ignoring my requests. The bank is also inherently difficult to reach to even speak to a manager. My request is simple - I would like to have my XXXX card switched to the card I signed a contract for- with the initial spending reward reset.
Frequently Asked Questions
What is Complaint #5812857 about?
Complaint #5812857 was filed against Jpmorgan Chase & Co. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-07-26T12:00:00-05:00.
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.