Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/2022 I am Federally Protected Consumer and I have been discriminated against and my rights as a consumer have been violated by Chase Sapphire. 
Acct # XXXX as they lowered my credit limit on my account in XX/XX/2022 they NEVER SENT ME an Adverse Action Notice. Under the Equal Credit Opportunity Act this is considered discrimination against me as a consumer. 
Furthermore, Chase sapphire never informed me of my rights. Chase sapphire has the obligation to correct action. According to the CFPB ECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Acct. In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action [ s ] include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit.

Pursuant to 15 U.S. code 1681b no consumer reporting agency may furnish any consumer report unless there is a court order or with my written instructions as a consumer to whom report relates to ; meaning Chase sapphire fraudulently and unlawfully accessed my consumer report acting as my agent or my representative making any or all consumer reporting agencies believe that Chase Sapphire had my written consent to access my private information as a consumer ; violating 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

I have made multiple attempts in writing including certified mail starting in XX/XX/2022 to let Chase Sapphire know about the many issues under 15 USC 1691 ( e ), The Equal Credit Opportunity Act 1602 ( e ), 15 U.S code 1692 ( d ), TILA 1026.9 ( h ), ( 2 ), ( i ). 

Despite my good faith and effort to remedy this situation, Chase Sapphire has decided to willfully ignore my request and disregard/ignore the penalties for not complying with the ECOA, TILA, and the U.S code . According to ECOA regulation states that Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action. Not only is Chase Sapphire discriminating against me by unlawfully lowering the limit on my own credit, but they are also using defamation by ruining my credit worthiness, tarnishing my name and causing harm emotionally and physically by furnishing any information without my prior written consent according to USC on my consumer reports which is " false misleading representation 15 U.S Code 1692E.

15 U.S code states that I have the right to privacy. I never gave my lawful, legal consent, authorization to Chase sapphire to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties, and there is no Law that states a " a drop in consumer credit score '' is valid reason to deny, cancel or cause an adverse action against a consumers credit. Chase sapphire legally, or lawfully can not state that either. FEDERAL LAW supersedes their " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by Chase Sapphire against me and my Consumer Rights. 
As a natural person and consumer protected under the ECOA, TILA, and the U.S code I have the right to enforce my rights!

Company response to consumer: Closed with explanation