Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX -- -XXXX XXXX VA XXXX Above is both accounts billing address - XXXX XXXX - - - Subject : Formal & Legal Complaint about and against Chase Bank Retaliatory Unilateral Adverse Actions Reducing in my two different credit accounts : each ones Credit limit by {$5000.00} or more ( Accounts Ending in XXXX & XXXX XXXX. 
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/ -_ Dear Chase Bank Executives XXXX When Enough is Enough? It is wasteful to go over and cross my accounts terms and conditions with my rights asserted by the Consumer Finanancial Protection Act of 2010 ( CFPA ) and applicable Chase Bank consent orders with the regulators. It is wasteful for you ( Chase Bank ) to act in manners of revenge from my person because I reported you to the Consumer Financial Protection Bureau ( CFPB ) in what I believed it was your violations of my rights asserted under but not limited to the CFPA. 

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What are the new Chase Bank retaliatory adverse actions made against my person in violation of the CFPA? : - - - 1-without my consent or knowledge and without any business reason, Chase Bank decreased the credit limit on my Chase Credit account XXXX by over {$5000.00} and left me with a full balance of almost 100 % if the new retaliatory credit limit. I rejected and disputed that unilateral retaltiory decision by chase bank and I am complaining about it legally to the CFPB after I called this Bank who refused to even answer my questions and requests. They even refused to let me talk to any chase bank manager over the phone. I exhausted all options to resolve the iSSUEs AND I AM a citizen without any means to fight this Bank now and for that reason I am complaining to the CFPB to take actions on this and return my rights back. 

- 2-By coincidence I found out about the first retaliation when I called about a transaction in that account above ( ends in XXXX ). Also by considence I discovered the second retaltiory decrease of credit limit, since I had paid also the same merchant ( I called to dispute a transaction done using account XXXX ) using my other Chase credit account ending in XXXX or XXXX. 
I was shocked to find out that chase bank decresead in the same way as for account ending in XXXX the credit limit .- 3- as above facts proven in my todays recorded call ( today XXXX XXXX ) to Chase Bank , it is also facts the following : it is discriminatory for chase Bank representative who refused to allow me to explain the reason for my call. Also it is disrespectful his jumping on my conversation to limit what I had to say about his Bank wrongdoings against my person as it appeared at least. He even refused and resisted shockingly to my repeated requests to him to get his manager on the line to talk to me about the issues caused unilaterally by Chase Bank in purpose and recklessly to discriminate against my person because I am a simple citizen and maybe I have no voice in this country so they can abuse me, abuse my rights as they wish without the regulators actions to protect me. 



I attached my recorded call referenced above. It is an evidence to be used in a court of law as this complaint and any response to it. 
- - Chase Bank by its actions would like to starve me to death. I can use the cards anymore and they made me subject to their future new retaliations. It it clear the Chase Bank future motives to starve me and oppress against me by financial legal tools but I have warned and noticed Chase and the regulators of that now. They must act now before Chase succeeds and cause my *death*. 
- **All stated herein is to plaintiff current states belief knowledge and understanding and it is all subject to any change or correction or anything and only by him or his counsel or representative and without any notice and without waiving his rights. 



Best Regards, The plaintiff or XXXX XXXX XXXX complaint filed today XXXX XXXX within CFPB. 
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Company response to consumer: Closed with explanation