Credit card -- Advertising and marketing, including promotional offers -- Complaint #7492172
Complaint Overview
Complaint ID: 7492172
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: Georgia
ZIP Code: 300XX
Date Received: 2023-09-02T12:00:00-05:00
Date Sent to Company: 2023-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
At the time of my application for the Chase Freedom Unlimited Credit Card, the advertised rewards promotion was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening ''. The fine print clearly stated that this welcome offer was { and still is } available to all new card members if you do not have this card and have not received a new card member bonus for this card in the past 24 months. I have never had a Chase credit card so I met the XXXX requirements for this promotion. After being approved for the card I spent {$8000.00} in the first 3 months and noticed I never received my {$200.00} per the advertised promotion. After many communications back and forth with Chase representatives the following information was disclosed. Although the advertised promotion on my computer screen the day I applied was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening '' Chase determined I was not eligible for the promotion, and proceeded to apply an inferior promotion to my account, that inferior promotion equates to earning {$7.00} when I spend {$500.00}. I have asked for the reason why I was determined ineligible for the advertised promotion the day I applied and Chase has refused to disclose that. I have pointed out that per the advertised promotions ' terms and conditions, the practices they have used for me are illegal. They engaged in bait-and-switch advertising to entice me to apply for their credit card just to give me a less favorable offer. They also used false advertising because the offer and the offer 's terms and conditions clearly stated this offer is available to all " NEW customers that have not had a Chase credit card the prior 24 months. I was a new Chase customer at the time I applied. I also applied for the credit card through the welcome offer advertisement as the terms and conditions suggested. Lastly, my denial of the advertised offer is in violation of the Equal Credit Opportunity Act. I have asked Chase to prove it was not in violation of the act and they simply requested I trust it was not. I do not trust anything this company has stated. I want to know the specifics behind my not being approved for the {$200.00} welcome offer and then the lesser offer being applied.
Frequently Asked Questions
What is Complaint #7492172 about?
Complaint #7492172 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2023-09-02T12:00:00-05:00.
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.