JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Rewards Delaware

I have been an account holder with JPMorgan Chase Bank, N.A., since -/-/- when I applied for the Chase - credit card, a cashback rewards credit card which is popular among young people like myself. After doing extensive research online and considering multiple options for a rewards credit card to open, I settled on the Chase - because of an offer which I found posted on JPMorgan Chase Bank 's website, & lt ; - ;, as well as throughout the internet on various forums. This offer, as stated on Chase 's website, is as follows : " $150.00 Bonus after you spend $500.00 on purchases in your first - months from account opening ''. You can see this offer in my attached screenshot, dated -/-/2016 when I initially reached out to Chase customer service. This offer was my primary motivation for applying for the Chase - credit card from this company. The offer that they extended is what enticed me to apply ; i.e., I risked a hit to my credit score and accepted all of the risks and benefits of owning this credit card based on the assumption that I would be rewarded for using it responsibly and


cardmembers of this credit card who received a new cardmember bonus for this credit card within the last - months. '' It further states that to be eligible for this offer, " account must be open and not in default at the time of fulfillment. '' Please see my second attached screenshot for these terms in plain text. Today is -/-/- and to date I have not received this $150.00 - in any form, including statement credit or " - '' points. I met all of the offer terms provided by Chase on their website. I was a new cardmember in -/-/-, and my account has never been in default. In fact, I have never made a late payment on this or any credit card. I also spent over $500.00 in purchases during my first - months of account opening. I have now reached out to Chase customer service via telephone and secure online message to inquire about my missing -. Their response has been to deny that any bonus offer was associated with my application that was received by them. In other words, they consider the $150.00 Bonus offer to be specific to some customers and not to others. This is contradictory to the offer terms stated on their website, which I have quoted and captured via screenshot. I have also received emails from Chase stating if I refer a friend to use the - card, they will receive the $150.00 Bonus. The latest message from Chase customer service, dated -/-/-, provides this rationale : " Unfortunately, a current promotion can only be applied to an account if the premium was requested within the first 90 days following account opening. Therefore, I am unable to fulfill your request. '' This is also contradictory, as the $150.00 Bonus was only available after spending $500.00 on purchases within the first - months ( 90 days ), plus an additional " - to - weeks for bonus points to post to your account. '' Therefore, how could one be reasonably expected to inquire about a promotion within - days when the time needed for the Bonus to appear on an account is at least - days plus - to - weeks additional time? A powerful financial services company like Chase can not be allowed to engage in such blatant fraudulent practices without repercussion. This is bait-and-switch and it is entirely dishonest and greedy. It saddens me to think of how many other customers have fallen prey to Chase 's shady practices. I am filing my complaint with CFPB as a plea to hold Chase accountable to the terms they set forth. Chase must follow through on the promises advertised on their website with the $150.00 Bonus offer.