{"took":317,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":279,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4700233","_score":24.077534,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.\n\nReguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. \n\nThis is an official record of the request, any further violation will be concidered harassment. \n\nAttached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline \" free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.","date_sent_to_company":"2021-09-07T22:30:02.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4700233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-07T21:57:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Also the website has me decline \" free '' services with every log in ... services that are not really free, as <em>credit</em> <em>card</em> info is collected and used at a later date."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[24.077534,"4700233"]},{"_index":"complaint-public-v1","_id":"6453779","_score":23.949476,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX  that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. \nWhen I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. \nI am submitting a complaint because I think that false advertising/marketing.","date_sent_to_company":"2023-01-18T18:09:19.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"30019","tags":"Older American","has_narrative":true,"complaint_id":"6453779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2023-01-18T17:55:23.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I am submitting a complaint because I think that false <em>advertising</em>/<em>marketing</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[23.949476,"6453779"]},{"_index":"complaint-public-v1","_id":"2118679","_score":22.097998,"_source":{"product":"Credit card","complaint_what_happened":"I have received \" targeted offers '' from Chase for the \" XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned \" annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my \" targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their \" card benefit '' of \" first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.","date_sent_to_company":"2016-09-19T18:58:30.000Z","issue":"Advertising and marketing","sub_product":null,"zip_code":"02150","tags":null,"has_narrative":true,"complaint_id":"2118679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-19T18:58:30.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The offers I had received mentioned \" annual fee of {$95.00} waived first year '' as part of the <em>marketing</em>, and this was consistent with <em>advertising</em> that was seen in billboards and in print <em>advertising</em>. I applied for the <em>card</em>, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>"]},"sort":[22.097998,"2118679"]},{"_index":"complaint-public-v1","_id":"2336443","_score":21.762417,"_source":{"product":"Credit card","complaint_what_happened":"I was marketed a XXXX credit card. I accepted the offer. TD Bank issued the credit card. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the marketing and the name on the card that I would be doing business with XXXX. This seems like false advertising/lying. I spoke with XXXX extension XXXX TD credit card department who was ignorant to these facts.","date_sent_to_company":"2017-03-13T21:16:27.000Z","issue":"Advertising and marketing","sub_product":null,"zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"2336443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2017-02-09T15:15:53.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was marketed a XXXX <em>credit</em> <em>card</em>. I accepted the offer. TD Bank issued the <em>credit</em> <em>card</em>. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the <em>marketing</em> and the name on the <em>card</em> that I would be doing business with XXXX. This seems like false <em>advertising</em>/lying. I spoke with XXXX extension XXXX TD <em>credit</em> <em>card</em> department who was ignorant to these facts."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>"]},"sort":[21.762417,"2336443"]},{"_index":"complaint-public-v1","_id":"5298231","_score":21.50175,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2021 I received marketing material from avant- credit card advertising {$750.00} credit limit credit card that would double in available credit if I made 6 timely monthly payments which I did. \nI requested a credit limit increase just like the advertising material said but was denied. \nAfter this I waited until month number 8 to request a credit limit increase and was denied, the reason given was that I had applied 30 days earlier, so I called customer service and explained it had been more than 8 months of timely payments and they werent holding their end of the agreement. Nothing was resolved. \nThat is why I am submitting My complaint.","date_sent_to_company":"2022-03-08T18:37:34.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"92173","tags":null,"has_narrative":true,"complaint_id":"5298231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2022-03-08T18:13:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["In XX/XX/2021 I received <em>marketing</em> material from avant- <em>credit</em> <em>card</em> <em>advertising</em> {$750.00} <em>credit</em> limit <em>credit</em> <em>card</em> that would double in available <em>credit</em> if I made 6 timely monthly payments which I did. \nI requested a <em>credit</em> limit increase just like the <em>advertising</em> material said but was denied."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[21.50175,"5298231"]},{"_index":"complaint-public-v1","_id":"18545205","_score":21.017513,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding misleading marketing for the PayPal Credit Card XXXX  % promotional financing for purchases $ XXXX. \n\nMarketing emails and the landing page gave the impression that any purchase over {$140.00} using the PayPal Credit Card would qualify for XXXX  % financing for XXXX  months. Based on this, I made several purchases expecting the promotion to apply. \n\nHowever, when I saw my statement and that the financing did not apply, I called PayPal customer service and was later told by a PayPal customer service representative that the promotion only applies when using PayPal Credit via PayPal checkout, not with the physical PayPal Credit Card for regular purchases. This was not clear in the marketing and is materially misleading. The marketing is clearly to make the viewer think the financing applies to the credit card as well. If the XXXX  % financing option for purchases $ XXXX is not a feature of the credit card, it should not be in large font, at the beginning of the advertisement/page, as if it is a feature. It should not even be in the same page as it is not related to the credit card itself at all. \n\nI have attached screenshots of just some of many misleading marketing done by PayPal. In the email attachment sent from PayPal on XX/XX/year>, it states in the email : \" Yours with the new PayPal Credit Card '' and right below it : \" The same features of PayPal Credit, enjoying No Interest if paid in full in XXXX  months on PayPal purchases of {$140.00} or more. '' This is clearly misleading. \n\nI request that the CFPB review this marketing as it may constitute deceptive advertising. I am also seeking that PayPal honor the promotion for my qualifying purchases since I would not have used the PayPal credit card for these purchases if I had known that the financing does not apply.","date_sent_to_company":"2026-01-07T21:07:51.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"20120","tags":null,"has_narrative":true,"complaint_id":"18545205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-01-07T20:41:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["In the email attachment sent from PayPal on XX/XX/year>, it states in the email : \" Yours with the new PayPal <em>Credit</em> <em>Card</em> '' and right below it : \" The same features of PayPal <em>Credit</em>, enjoying No Interest if paid in full in XXXX  months on PayPal purchases of {$140.00} or more. '' This is clearly misleading. \n\nI request that the CFPB review this <em>marketing</em> as it may constitute deceptive <em>advertising</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.017513,"18545205"]},{"_index":"complaint-public-v1","_id":"8067319","_score":21.0076,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, Credit Karma XXXX advertising for a XXXX XXXX XXXX It said \" Your Chances for approval is Excellent ''. So I proceeded to apply via Credit Karmas directed link. Within a week is when I received a denial letter from XXXX. \n\nThen again on XX/XX/XXXX Credit Karma XXXX advertising for a XXXX XXXX Credit Card. It said \" Your Chances for approval is Excellent ''. So I proceeded to apply via XXXX XXXX directed link. Within a week is when I received a denial letter from XXXX. \n\nI feel that Credit Karma 's marketing practices have been manipulative and deceiving in nature.","date_sent_to_company":"2023-12-28T01:00:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8067319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Karma, LLC","date_received":"2023-12-28T00:24:43.000Z","state":"HI","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I feel that <em>Credit</em> Karma 's <em>marketing</em> practices have been manipulative and deceiving in nature."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"company":["<em>Credit</em> Karma, LLC"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[21.0076,"8067319"]},{"_index":"complaint-public-v1","_id":"20830886","_score":20.980633,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a complaint regarding a {$5500.00} credit card transaction processed on XX/XX/year>, with XXXX XXXX XXXX XXXX for a marketing program called XXXX XXXX. The payment was made using my Citibank credit card. \n\nThe service was sold to me after an initial phone call followed by a one-on-one XXXX  sales call, where I was promised a complete marketing system and a guaranteed minimum of XXXX fully closed and booked clients per month. Based on these representations, I proceeded with the purchase. \n\nThe company failed to deliver the promised services. No clients were generated, and most of the services outlined in the agreementincluding marketing setup, advertising management, and lead generationwere not performed or only minimally attempted. Additionally, the agreement specified that {$3000.00} of the payment would be allocated toward advertising spend, but the merchant has refused to provide any documentation, invoices, or reports showing how these funds were used. \n\nAfter attempting to resolve the matter directly, I sent a formal demand letter requesting documentation and a refund under the contractual guarantee. The merchant ceased communication and blocked further contact. \n\nI filed a dispute with Citibank for services not rendered. The bank denied the dispute, relying on the merchants submission of a contract and refund policy, but did not adequately consider the lack of evidence that any services were actually performed or that the advertising funds were used as stated. \n\nI requested that the dispute be reopened and provided additional documentation, including the contract, correspondence, and evidence of non-delivery. The merchant responded again by referencing the contract terms but still did not provide proof of service delivery. \n\nThis is not a dispute about dissatisfaction or contract terms. This is a case where the merchant failed to deliver the core services that were purchased and has refused to provide documentation supporting their claims. \n\nI am requesting that Citibank properly review this matter as a billing error involving services not rendered under the Fair Credit Billing Act and reconsider the denial of my dispute based on the full set of evidence provided.","date_sent_to_company":"2026-04-01T01:14:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"20830886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-01T00:35:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I am submitting a complaint regarding a {$5500.00} <em>credit</em> <em>card</em> transaction processed on XX/XX/year>, with XXXX XXXX XXXX XXXX for a <em>marketing</em> program called XXXX XXXX. The payment was made using my Citibank <em>credit</em> <em>card</em>. \n\nThe service was sold to me after an initial phone call followed by a one-on-one XXXX  sales call, where I was promised a complete <em>marketing</em> system and a guaranteed minimum of XXXX fully closed and booked clients per month."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.980633,"20830886"]},{"_index":"complaint-public-v1","_id":"17888104","_score":20.835314,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My credit card Ending with XXXX was approved by American Express in XX/XX/year>. I compiled all conditions but my account was not credited with Bonus miles. American Express record shows that my Credit card Ending with XXXX and My wife XXXX credit card ending with XXXX which was approved couple years ago are on the same social security number so they ask me to provide mine and my wife 's Govt Photo ID copies and mine and my wife 's copies of social security cards front and back. I provided all the proofs showing two different person. As per my knowledge it's not safe to provide copies of the social security card to any credit card company. so I request CFPB please let me know it's safe and legal to provide copies of the social security card to credit card company. If American Express consider US income tax return which will show two different social security no. I will provide that, it's a govt document. \nI filed above two complaint with CFPB but company answer is same. So I request American Express please provide me the copy of my wife 's original application on which Credit card XXXX was approved","date_sent_to_company":"2025-12-03T00:31:36.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"01876","tags":"Older American","has_narrative":true,"complaint_id":"17888104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-12-03T00:05:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> <em>Advertising</em> and <em>marketing</em>, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose <em>credit</em> <em>card</em> or charge <em>card</em> <em>Advertising</em> and <em>marketing</em>, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My <em>credit</em> <em>card</em> Ending with XXXX was approved by American Express in XX/XX/year>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.835314,"17888104"]},{"_index":"complaint-public-v1","_id":"8930540","_score":20.783543,"_source":{"product":"Credit card","complaint_what_happened":"JP Morgan Chase engaged in deceptive marketing to get me to apply for the Chase Slate Edge credit card.\n\nThey sent daily promotional emails advertising 0 % APR on purchases & balance transfers for 18 months to illicit me to take action.\n\nI applied through the Respond Now link and was approved for {$8500.00} credit limit with 28.24 % APR on all new purchases & balance transfers.","date_sent_to_company":"2024-05-04T15:37:51.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"8930540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-05-04T15:26:52.000Z","state":"MD","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["JP Morgan Chase engaged in deceptive <em>marketing</em> to get me to apply for the Chase Slate Edge <em>credit</em> <em>card</em>.\n\nThey sent daily promotional emails <em>advertising</em> 0 % APR on purchases & balance transfers for 18 months to illicit me to take action.\n\nI applied through the Respond Now link and was approved for {$8500.00} <em>credit</em> limit with 28.24 % APR on all new purchases & balance transfers."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.783543,"8930540"]},{"_index":"complaint-public-v1","_id":"6888862","_score":20.778519,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/2023, Bank of America sent me advertising for a 0 % interest XXXX credit card. I applied, got approved, did a balance transfer to another higher rate credit cards, and used it for some purchases. All went well and no purchases was charged interest. Just like all the other cards with 0 % interest that I have. \n\nIn XX/XX/2023, Bank of America sent me another advertising, this time for a 0 % interest XXXX card with XXXX XXXX. They put me through the exact same application process and screens, I got approved, set up another balance transfer and started to use the new cards because it was 0 % interest just like the other cards they just sent me. \n\nNow, I got the bill from the XXXX card and they are charging me over 20 % interest on all the purchases I made. So, today, XX/XX/XXXX, I call customer support and they told me that they could not do anything about the misleading advertising and sequence of events in which they tricked me into thinking I was getting the same deal as the first XXXX card they offered me. So I asked to open a complaint and to give me a case number, they said there was no way to open any complaint that all they could do is write my concern in their notes and that the responsibility to read the contract, their fine prints and misleading financial jargons was on me. So I asked for the advertisement that they sent me with the huge 0 % rate on it to see if that had clearly explained that there would be charges for purchases and only the balance transfer was part of the promotion. They said they don't have any way to give that information and there is nothing else I could do to dispute those charges and that was all my fault for assuming that the previous card, with the exact same application process, was not the same promotion as the second card. \nSo then, I started to record XXXX XXXX XXXX, who gave me these responses and asked him to repeat all of them, he did and then told me he could connect me with the marketing department, which I said yes please connect me with the marketing team, so he gave me a sarcastic good bye and put me on a automated system that had no options to talk to anyone in the marketing department and the call was disconnected. \n\nI have the recording available if you need. Your side does not allow for large files to be uploaded so I couldn't attach it here.","date_sent_to_company":"2023-04-25T17:58:17.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"80023","tags":null,"has_narrative":true,"complaint_id":"6888862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-04-25T17:25:50.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["In XX/XX/2023, Bank of America sent me <em>advertising</em> for a 0 % interest XXXX <em>credit</em> <em>card</em>. I applied, got approved, did a balance transfer to another higher rate <em>credit</em> cards, and used it for some purchases. All went well and no purchases was charged interest. Just like all the other cards with 0 % interest that I have. \n\nIn XX/XX/2023, Bank of America sent me another <em>advertising</em>, this time for a 0 % interest XXXX <em>card</em> with XXXX XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[20.778519,"6888862"]},{"_index":"complaint-public-v1","_id":"21867540","_score":20.582012,"_source":{"product":"Credit card","complaint_what_happened":"I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and advertising package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, advertising exposure through rollover banners, and related marketing benefits. \nI proceeded with multiple payments across different credit card accounts based on these representations. \nWhile the services initially began, the merchant removed the approved advertising banners after the second event without justification. This action eliminated the primary purpose of the purchase, which was brand exposure. \nI attempted to resolve the issue directly with the merchant, but no refund, credit, or corrective action was provided. \nI then disputed the charges with my financial institutions, including XXXX, Capital One, and XXXX XXXX XXXX XXXX. However, the disputes were denied or not properly investigated. The institutions failed to clearly explain their decisions or identify what documentation was missing. \nAs a result, I am seeking a full reversal of the charges because the services were not rendered as described and the core value of the transaction was not delivered.","date_sent_to_company":"2026-05-04T21:37:09.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"21867540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-04T20:53:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and <em>advertising</em> package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, <em>advertising</em> exposure through rollover banners, and related <em>marketing</em> benefits. \nI proceeded with multiple payments across different <em>credit</em> <em>card</em> accounts based on these representations."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["<em>Credit</em> <em>card</em> company isn't resolving a dispute about a purchase on your statement"]},"sort":[20.582012,"21867540"]},{"_index":"complaint-public-v1","_id":"2031560","_score":20.495754,"_source":{"product":"Credit card","complaint_what_happened":"I have the XXXX XXXX XXXX XXXX credit card. I keep getting email and mail marketing pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX credit card, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account. If I call XXXX they say it 's related to the credit card and they ca n't help me. If I call XXXX they say they ca n't help me because they have n't received the request to open an account for my husband ; the only thing Customer Service can do is forward my comment to the Marketing department, which does not accept inbound calls. Needless to say, the Marketing department has never called me back. It seems as though the offer to receive XXXX/XXXX bonus miles is false advertising, because it is n't actually possible to receive the miles because we ca n't open a new account.","date_sent_to_company":"2016-07-27T01:46:33.000Z","issue":"Rewards","sub_product":null,"zip_code":"947XX","tags":null,"has_narrative":true,"complaint_id":"2031560","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-07-27T01:46:32.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have the XXXX XXXX XXXX XXXX <em>credit</em> <em>card</em>. I keep getting email and mail <em>marketing</em> pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX <em>credit</em> <em>card</em>, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account."],"product":["<em>Credit</em> <em>card</em>"]},"sort":[20.495754,"2031560"]},{"_index":"complaint-public-v1","_id":"13862500","_score":20.28087,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Type : Credit Card Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : Deceptive Pre-Approval and False Advertising Problem Description : I was shown a High Likelihood of Approval and High Credit Limit offer for the Indigo XXXX through XXXX XXXX, which stated I was pre-approved for a high-limit credit card. Based on these clearly advertised terms and the reputation of XXXX XXXX, I applied. \n\nUpon applying, I was not approved for the advertised limit instead, I was only offered a card with a {$500.00} limit, despite being told I qualified for more. \n\nThis appears to be a bait-and-switch tactic, where XXXX XXXX and/or Indigo promote high-limit, easy-approval cards to entice consumers into applying, knowing full well they only offer {$500.00} {$1500.00} limits across the board. \n\nThe application caused a hard inquiry on my credit report, which will lower my credit score, all because of false advertising and deceptive marketing practices. \n\nI believe this conduct is unfair, deceptive, and potentially predatory. It damages consumer trust and causes measurable financial harm. This offer misrepresented its terms, misled me as a consumer, and should be investigated for widespread deceptive practices. \n\nI am requesting : A formal investigation into the deceptive marketing between XXXX XXXX and the Indigo XXXX ( XXXX XXXX ) Removal of the hard inquiry on my credit report Disciplinary or regulatory action if found in violation of CFPB consumer protection standards","date_sent_to_company":"2025-06-03T19:38:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"143XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13862500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2025-06-03T19:20:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Complaint Type : <em>Credit</em> <em>Card</em> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : Deceptive Pre-Approval and False <em>Advertising</em> Problem Description : I was shown a High Likelihood of Approval and High <em>Credit</em> Limit offer for the Indigo XXXX through XXXX XXXX, which stated I was pre-approved for a high-limit <em>credit</em> <em>card</em>. Based on these clearly advertised terms and the reputation of XXXX XXXX, I applied."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[20.28087,"13862500"]},{"_index":"complaint-public-v1","_id":"8687660","_score":20.215849,"_source":{"product":"Credit card","complaint_what_happened":"I opened an XXXX  XXXX XXXX XXXX Credit Card from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the credit card. I opened the credit card, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page. Also, by pressing the \" terms and conditions '' link on the application page, there is no way to find that the annual fee is charged the first month after opening the credit card. The \" Annual fee '' tab says {$95.00}, without referencing what would occur in the first year rather than the one year since opening the credit card ( as I thought ). I do believe that is utterly misleading advertising. I opened the credit card thoroughly convinced that the annual fee would have been charged one year after opening. I contacted Bank of America, and they refused to waive the fee for the first year. \n\nCalifornias False Advertising Law Californias False Advertising Law ( FAL ) prohibits any company or individual from making false statements or statements likely to mislead consumers about the nature of a product or service. The FAL often overlaps substantially with the UCL. \n\nCalifornias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair marketing practices, including misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false advertising but only applies to a specific list of enumerated violations ( such as false designations of geographic origin ).","date_sent_to_company":"2024-04-03T23:04:39.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"94110","tags":null,"has_narrative":true,"complaint_id":"8687660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-03T22:46:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I opened an XXXX  XXXX XXXX XXXX <em>Credit</em> <em>Card</em> from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the <em>credit</em> <em>card</em>. I opened the <em>credit</em> <em>card</em>, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[20.215849,"8687660"]},{"_index":"complaint-public-v1","_id":"3899379","_score":20.13519,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XXXX of 2020 I decided that I needed an additional credit card. I researched on line for the best cash back credit cards. Several websites listed the Chase Freedom XXXX card as one of the best. The promotional info included a {$200.00} cash bonus if you charged and paid {$500.00} in the first three month of receiving you credit card. I applied for and received the Chase Freedom card. After two months I met the {$500.00} threshold however I only received a {$150.00} credit. When I noticed this on my statement, On or about the end of XX/XX/2020, I called Chase about the discrepancy and referenced the marketing promotion when I applied for their card. The Chase call center person I spoke to said they would forward my complaint to their marketing department. On XX/XX/2020 I received a very boilerplate letter from chase saying that my account isnt eligible for the new offer I requested. This is a blatant falsehood because it was promoted when I applied for their card. I did call Chase customer satisfaction group to voice my complaint again to no avail. Basically this was false advertising.","date_sent_to_company":"2020-10-14T22:47:27.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"19464","tags":"Servicemember","has_narrative":true,"complaint_id":"3899379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-10-14T22:15:49.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["Basically this was false <em>advertising</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[20.13519,"3899379"]},{"_index":"complaint-public-v1","_id":"1674843","_score":19.976446,"_source":{"product":"Credit card","complaint_what_happened":"I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.","date_sent_to_company":"2015-11-29T15:05:59.000Z","issue":"Advertising and marketing","sub_product":null,"zip_code":"028XX","tags":null,"has_narrative":true,"complaint_id":"1674843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2015-11-29T15:05:58.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I believe this is unfair <em>advertising</em> and <em>marketing</em>. i was promised one thing and it was not delivered."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>"]},"sort":[19.976446,"1674843"]},{"_index":"complaint-public-v1","_id":"5204405","_score":19.941666,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bank of America, for at least the past one to two years, has allowed consumers to check for \" personalized credit card offers '' via its website. This, on the surface, appears to be a way to see if consumers are pre-qualified or pre-selected for credit card offers with Bank of America by way of Bank of America performing a soft inquiry on the consumer 's credit report. Throughout the \" personalized offer '' application process, I have been asked each and every time to provide my sensitive and confidential identifying information -- full name, date of birth, last XXXX digits of my Social Security number and home address and phone number. According to the personalized card offer process, entering this information will tailor credit cards to me according to my desired features in a credit card and according to my specific credit score. After entering all of the required information and proceeding with the personalized credit card application, the next screen does not, in any way, indicate that there are no \" personalized credit card offers '' for me ; it gives the false and misleading impression that I have received their \" personalized card offer '' according to the credit bureau information they have obtained on me at the time I submitted my personalized credit card offer application. After submitting my application and form with my personal information, Bank of America then takes me to the next screen that says : \" XXXX, we recommend Unlimited Cash Rewards credit card XXXX Bank of America XXXX XXXX XXXX credit card, '' with an image of that particular credit card. Once again, Bank of America is falsely and intentionally leading me to believe that the Bank of America XXXX XXXX XXXX credit card was selected personally for me based on information Bank of America obtained during the soft credit inquiry that was obtained at the beginning of me completing the application and form for their personalized credit card offers. Because of this deliberately false and misleading marketing practice, I was enticed and led to reasonably believe that Bank of America did, in fact, match me with a personalized credit card offer and that I was encouraged to apply for the credit card based on the information they obtained about my credit history and other identifying information. I then applied for the credit card, under the misleading and false advertising by Bank of America that I was pre-selected and/or pre-qualified for their credit card offer. I entered in further personal information about myself on their credit application, which was required of me by Bank of America, in order to proceed with the false and misleading marketing and advertising that I had received a personalized, customized offer for their Bank of America XXXX XXXX XXXX credit card. In the end, I was denied for this product for reasons listed in the attached denial letter sent to me by Bank of America. I have used Bank of America 's \" personalized credit card offers '' tool many, many times over the past two years. Each time, Bank of America has used knowingly false and misleading advertising and marketing to make me believe I had received a personalized credit card offer, based on my personal credit information, for which I'd be approved under their credit underwriting guidelines -- why else would Bank of America require all of my personal and confidential data and then invite me to apply for their credit card and NOT say there were no personalized credit card offers available to me? At no point does Bank of America 's website or online forms, or after the submission of my online forms, say that there is no personalized credit cards offers for me ; this is extremely misleading and deceptive marketing and lending practices. If Bank of America had indicated that no personalized credit card offers existed for me, and none of their screens \" recommended '' a card to me, I would not have applied for their credit card products and thus not incurred the numerous hard inquiries from Bank of America on my credit report. Furthermore, Bank of America offers absolutely no way to speak to anyone directly about these misleading and deceptive marketing and lending practices ; they only offer a way to mail a letter to a post office box. I have attached one of the many credit denial letters I've received from Bank of America, along with screen shots of every step of the misleading and deceptive \" personalized credit card offers '' process on their website.","date_sent_to_company":"2022-02-09T22:33:08.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"5204405","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-02-09T20:58:49.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I then applied for the <em>credit</em> <em>card</em>, under the misleading and false <em>advertising</em> by Bank of America that I was pre-selected and/or pre-qualified for their <em>credit</em> <em>card</em> offer. I entered in further personal information about myself on their <em>credit</em> application, which was required of me by Bank of America, in order to proceed with the false and misleading <em>marketing</em> and <em>advertising</em> that I had received a personalized, customized offer for their Bank of America XXXX XXXX XXXX <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[19.941666,"5204405"]},{"_index":"complaint-public-v1","_id":"9845195","_score":19.85093,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital one has used my personal information for direct marketing purposes.. \n\n\n\n\n( Capital one : For our marketing purposes to offer our products and services to you, to make reports to credit bureaus and credit reporting agencies and all third party affiliates of CAPITAL ONE. ) CAPITAL ONE is in violation of selling private information for direct marketing purposes with prejudice intent, They made late payment balance before XXXX days and have made multiple reports within XXXX  days after first initial report. \nInaccurate late payment reporting, selling my personal information to third party affiliates By law Credit bureaus are prohibited from selling your personal information for direct marketing purposes.JXXXX XXXX XXXX Capital One has violated fair credit reporting Act, *privacy violation- unauthorized pulls on my credit report -failing to notify me as the consumer about negative credit information CAPITAL ONE - has also reported an old discharged account, for current records, and have created a prejudice credit limit cap on my new credit card from old closed account. \n\nFailing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. \n\nIncorrect late payment *Discrimination bias, from previous account *Misleading advertising","date_sent_to_company":"2024-08-19T16:37:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"9845195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-19T15:57:12.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>credit</em> limit cap on my new <em>credit</em> <em>card</em> from old closed account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[19.85093,"9845195"]},{"_index":"complaint-public-v1","_id":"3136481","_score":19.697668,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. \n\nIt appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. \n\nHowever, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. \n\nCFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. \n\nThank you! \n\nXXXX","date_sent_to_company":"2019-01-29T17:19:59.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"37069","tags":null,"has_narrative":true,"complaint_id":"3136481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-01-29T16:11:39.000Z","state":"TN","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Chase is <em>marketing</em> <em>credit</em> cards to those of us with good <em>credit</em> like it's going out of style. Be careful - the <em>marketing</em> is not clear. IF you already have a SWA Chase personal <em>card</em>, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[19.697668,"3136481"]},{"_index":"complaint-public-v1","_id":"12314039","_score":19.659723,"_source":{"product":"Credit card","complaint_what_happened":"My mother XXXX XXXX was a Capital One customer until she passed away in XXXX. Her legal address was my residence. I have requested that Capital One remove my address, email address, and phone number from all further communications as all accounts were closed when she passed. \n\nSince then I have received at least XXXX marketing communications via standard mail and some via email. Prior to this most recent communication received, I spoke with their Compliance Department and filed a complaint regarding further communications. A form was sent via email to complete of which I did, as they were in violation of TCPA. \n\nYesterday, I received yet another marketing/advertisement via standard mail for a credit card. I can no longer deal with such an inept organization and am asking the CFPB to investigate and fine Capital One for deceptive and inappropriate advertising to a deceased individual.","date_sent_to_company":"2025-03-04T19:35:03.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"12314039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-04T19:27:15.000Z","state":"MI","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["Since then I have received at least XXXX <em>marketing</em> communications via standard mail and some via email. Prior to this most recent communication received, I spoke with their Compliance Department and filed a complaint regarding further communications. A form was sent via email to complete of which I did, as they were in violation of TCPA. \n\nYesterday, I received yet another <em>marketing</em>/advertisement via standard mail for a <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[19.659723,"12314039"]},{"_index":"complaint-public-v1","_id":"7687971","_score":19.65385,"_source":{"product":"Credit card","complaint_what_happened":"I have my Amazon store credit card set to autopay my statement balance each month to avoid interest fees. I recently received email marketing from amazon recommending to me to shut off my autopay to take advantage of promotional financing. The email is worded in a way that suggests I've done something wrong and am not getting the best deal by using autopay and paying off my statement balance each month. This is misleading advertising that encourages consumers to grow credit card debt under the guise of a missed opportunity. If I need financing options, I will seek them out. Credit card companies should not be making financing recommendations as they have a clear interest in giving poor advice.","date_sent_to_company":"2023-10-12T18:05:14.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"60622","tags":null,"has_narrative":true,"complaint_id":"7687971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-12T17:47:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["This is misleading <em>advertising</em> that encourages consumers to grow <em>credit</em> <em>card</em> debt under the guise of a missed opportunity. If I need financing options, I will seek them out. <em>Credit</em> <em>card</em> companies should not be making financing recommendations as they have a clear interest in giving poor advice."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[19.65385,"7687971"]},{"_index":"complaint-public-v1","_id":"21163680","_score":19.485546,"_source":{"product":"Credit card","complaint_what_happened":"Focus : consumer financial harm, reliance on marketing, Regulation Z. \n\nSubject : Complaint Misleading Marketing of Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding materially misleading marketing by Chase Bank for XXXX XXXX XXXX credit card and the impact on the advertised XXXX welcome bonus. \n\nIssue : Marketing stated that the XXXX XXXX card could be used immediately in-store and online, including via XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX. No card-specific disclosures indicated limitations requiring physical card receipt for online wallet use. \nI attempted multiple times to add the card to online wallets using mobile and web platforms. Across multiple merchant types ( travel, retail, clothing ), the card never appeared in my XXXX XXXX to even attempt a purchase. Their phone representatives confirmed I had added the card correctly to my wallet. It did appear in the wallet for tap to pay only, not online purchases, as advertised. \nA second tier Chase representative confirmed that online wallet functionality would not work until the physical card was received, while stating that certain merchants may not be supported, without disputing that it failed for all online merchants. Tier 3 escalation was due to a time-sensitive purchase. No other option to complete the purchase was provided. I was forced to use another banks card, preventing me from meeting the XXXX bonus requirement. \nChases Digital Wallet Terms confirm that the issuer controls eligibility and can block transactions, meaning this limitation is the responsibility of Chase, not XXXX or XXXX. \nRegulatory Basis : Regulation Z ( 12 CFR 1026.16 ) : Advertising must clearly disclose material conditions affecting promotional offers.\n\nUDAAP : Misleading marketing constitutes unfair or deceptive acts.\n\nImpact : The undisclosed limitation prevented me from using the card online and earning the advertised bonus, despite reasonable reliance on Chases marketing. \n\n\nSincerely, XXXX XXXX ATTACHMENT : Copy of the time sensitive purchase that I exhausted all available avenues with Chase to complete with the Sapphire Card but could not due to their undisclosed limitations that they are in fact in control of. \n\nInteraction Timeline : Called XX/XX/year> Email to CEO XX/XX/year> Complaint reply received : Reference Number : XXXX XX/XX/year> I responded to their reply via email : XX/XX/year> Final response from Chase received XXXX XX/XX/year>","date_sent_to_company":"2026-04-11T19:53:50.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"21163680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-11T19:32:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Focus : consumer financial harm, reliance on <em>marketing</em>, Regulation Z. \n\nSubject : Complaint Misleading <em>Marketing</em> of Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding materially misleading <em>marketing</em> by Chase Bank for XXXX XXXX XXXX <em>credit</em> <em>card</em> and the impact on the advertised XXXX welcome bonus. \n\nIssue : <em>Marketing</em> stated that the XXXX XXXX <em>card</em> could be used immediately in-store and online, including via XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Advertising</em> and <em>marketing</em>, including promotional offers"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Confusing or misleading <em>advertising</em> about the <em>credit</em> <em>card</em>"]},"sort":[19.485546,"21163680"]},{"_index":"complaint-public-v1","_id":"1893606","_score":19.427855,"_source":{"product":"Credit card","complaint_what_happened":"American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email marketing into. They have widely advertised their cash back reward card but have not indicated that an email address for AMEX 's use and convenience is required to redeem your earned cash back credits. Yet I just tried to redeem my cash back credit through their online website and was not allowed to do so without providing them with an email address they like better than the one I gave them ( a non-working one appropriate for the junk email dumping AMEX wishes to use it for ). \nWhy is a company as deceptive, unfair and abusive in its practices as AMEX allowed to violate people 's privacy and put them at risk by demanding an email address for their own marketing purposes? Why are people being forced to pay for more of AMEX 's advertising than they want to or should be required to?","date_sent_to_company":"2016-04-24T19:52:30.000Z","issue":"Rewards","sub_product":null,"zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"1893606","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-04-24T17:19:19.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email <em>marketing</em> into. 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However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. \n\nWhile he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to \" Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because \" I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. \n\nI suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not \" immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. \n\nUnfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.","date_sent_to_company":"2020-02-19T20:13:41.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"3537053","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-02-19T19:49:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the <em>marketing</em> was correct because \" I would be able to use the <em>card</em> immediately after receiving the physical <em>card</em> in XXXX days. 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