This afternoon at around 3PM I finally got around to going to my local Chase branch and opening up a personal and business checking account to earn a total of 50,000 miles. I did this last year and it was among the easiest 50,000 miles I’ve ever earned, so I figured this would be an easy repeat.
I got to my local Chase branch and after waiting for about 30 minutes was helped by one of the “bankers.” I handed him my printed coupon codes for both the personal and business checking accounts. Over an hour later (yes, this agent was very, very, very slow) we had both accounts opened and the agent entered the specific coupon code that needs to be entered on each account to earn the 25,000 bonus Continental miles. Everything worked fine for the personal account and he printed out the receipts indicating that I’d receive 25,000 bonus miles. He did the same for the business account (using the business account coupon code) and it returned an error message on the screen saying the code couldn’t be used. Very strange. I assumed maybe the code just wasn’t right or had somehow already been used, so I drove home in rush hour to print off two more codes (he couldn’t just print them off at the branch for “compliance” reasons). He assured me I’d just need to bring the code by and he’d enter it and it wouldn’t take more than five minutes.
I returned at around 5:45PM, 15 minutes before the bank was supposed to close, with two more coupon codes (just to be on the safe side), and he tried to enter them again, but we got the same error message. He got on the phone to ring up someone at Chase, and after a few minutes was done. He informed me that since I opened an account last August, I couldn’t open another one, as I needed to wait a year. I referred him to the terms and conditions, which clearly state:
Limit one business checking account-related premium per customer per calendar year.
Per calendar year. He agreed with me. He got back on the phone and gave them another ring. After an extended hold and lots of nodding on his part, he hung up yet again. This time he informed me I’m only entitled to one premium, so I can’t get a bonus on a personal and business account. Bull. I once again refer him to the terms and conditions for both offers, which state that only one premium is allowed per type of account (meaning one for personal and one for business). He agrees with me once again. At this point it’s after 6PM and the bank is really closed, so I’m sitting there with him, as the manager sits at the desk across tapping his fingers wanting to go home.
He calls them yet again, and I think he started to realize I wasn’t going to take crap, so he better come up with a good reason for denying me. After talking on the phone with the agent for a few minutes the agent indicated you couldn’t get two of the same premiums. I asked where it stated that, and I knew it was total BS, as hundreds (if not thousands) of FlyerTalkers, including me, have opened up both personal and business checking accounts and gotten 50,000 miles. Anyway, after he faxed the agent the offer I had and argued on the phone for a while, he came back and said they couldn’t honor the promotion and there was absolutely nothing they could do.
He said if I wanted to close down the account I’d have to go back tomorrow, as the bank was closed for the night. Talk about brilliant customer service. Denying a customer an offer without any sort of explanation. Lovely. And I was actually planning on making Chase my primary bank this time around. But not so much anymore.
Any thoughts? Kind of tough to argue when they insist there’s nothing they can do, despite not providing a good reason for the denial. Do I just cancel my business account tomorrow? Go to a different branch instead? Anyone encountered a similar situation?