Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase filed a dispute on XX/XX/XXXX without my knowledge, consent or approval to do so. Upon me being notified I called Chase to confirm that I did not file a dispute against the merchant. 
Prior to XX/XX/XXXX the merchant in question sent documents to Chase with disparaging legal documents and called in on me which caused Chase to decrease my credit limit suddenly. Which was a substantial amount decrease that has adversely negatively affected my credit score to this present day. 
The merchant sent documents to Chase regarding a Dispute that I did not authorize. I requested the documents and Chase Bank sent the documents to me from the merchant. However, the documents do not have any date or time the documents were sent. Nor is there a date or time when the documents were sent to Chase Bank. I have sent Chase Bank three emails since XX/XX/XXXX to present and Chase Bank have not responded or provided the information, I requested multiple times. I seem to be treated very differently by Chase Bank since these disparaging documents has been sent to Chase Bank. But Chase is not given the date or time when the documents were sent to the bank. 
The merchant claims to have won the dispute. But Im not sure how the Merchant claims to have won a dispute in their favor when I did not Dispute the charge against them in the first place. Despite not receiving the service for which I have paid for. I really need to know what is going on and Im being ignored by chase and not being provided an explanation regarding this matter. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. None of these issues above apply to me. 
1. I have never ever missed a payment on any account.

2. I pay off more than the amount owed every month 3. I have never asked or requested a deferred payment plan. 
4. I paid off 10 thousand dollars in XX/XX/XXXX. 
5. My credit limit was 30 thousand dollars for almost 10 years. 
6. Chase deceased my credit limit from 30 thousand to XXXX. 
7. My previous balance was 23,000 before I paid the 10 thousand XX/XX/XXXX. 
8. Three months later on XX/XX/XXXX Chase decreased my credit limit and did not notify me prior before it was decreased. 
9. This has adversely affected me causing my credit usage to go higher affecting my credit score. 
10. I have never been late on any of my credit cards in life. I also paid off a car in XX/XX/XXXX without any missed payments. 
11. I feel I was also targeted because Im XXXX, and that the merchant sent in disparaging documents regarding a legal matter that caused the credit limit decrease as well. 

I really need to know what is going on? Im being ignored by Chase and not being provided an explanation regarding this matter. Requesting an Explanation from Chase Bank regarding this matter.

Company response to consumer: Closed with explanation