Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have requested a credit line increase to {$10000.00} ( minimum ) several times in the past month. I told your employees that I cancelled my amex card and would need more available credit ( because Ill be using this card more ), yet, my credit score is still messed up because of your company and your employees keep telling me they can not even see if its possible to increase my limit ( much less increase it outright ) without pulling my credit and risk the possibility of messing it up even further - because my attorneys have pulled it like twice and you all still have false information on my report thats negatively affecting it. What this behavior is, is the following : you are denying me the ability to increase my credit limit without your system first auto-reviewing/pulling my credit information, information which is currently ( and still XXXX inaccurate because your company misreported it. Therefore, when you do this ( as I told your representatives ), ultimately, you are asking me to do something will further negatively affect my creditworthiness and have little to no chance of having any positive benefit on me/get me what I need. I spoke with a supervisor on the phone who was incredibly rude with me named XXXX, about this issue and she literally just kept repeating the cookie cutter call center phrases that they are taught to say. She didnt want to help me, and she treated me in a way that caused me to feel like a nuisance and/or otherwise unwanted guest/customer. And most importantly, I would like to add that this woman, XXXX, refused to connect me to another representative, even after I expressed a desire to speak to literally anyone other than her ( I told her it didnt matter if this person was a peer, regular level phone rep, etc ). I told her that I wanted to talk to anyone other than her, and you know what she did? She cut me off mid sentence, read the Thank you for calling Chase today sir, I am glad I was able to provide assistance. You have a nice day ... cookie cutter call center phrase and hung up on me before I could say anything else. This is unacceptable. She refused to let me talk to someone else. And the only reason I called you all in the first place is because your system improperly reflects my balances all the time ( in ways that make literally zero sense - the other day I had a balance of {$1700.00} and an available credit line less than {$1000.00} ( w/ no major account changes/payments/purchases pending ). This is absurd. I refuse to work with a {$2200.00} credit limit with like zero chance of your system auto-approving an increase ( due to your past and continued XXXX XXXX  ) and that same system not even posting and/or reflecting my balance correctly. This is XXXX. I just have your bank {$10000.00} today, and I am trying to spend my money, but I cant because you are preventing me from doing so ( without reason ). You are still responsible for my high utilization rates, as I have called in and asked about the increase many times. This supervisor, XXXX, should be the one thanked first this complaint. Had she not hung up on me ( and your subsequent phone menus not been so terrible ), I would not have officially reported this issue, as I just spoke with the executive director earlier today, XXXX, with whom I have been addressing the issues that occurred back in XXXX. I was hoping I could deal with this without having to do this ... You employee, XXXX, was rude, though. She didnt want to help and she refused to let me talk to anyone else. And then she hung up on me.

Company response to consumer: Closed with explanation