Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding JPMorgan Chase Bank , N.A . ( Chase ) and its continued restriction of my available credit based on alleged fraudulent or pending transactions that Chase claims are impacting my account, while simultaneously refusing or failing to provide any documentation or transactional details sufficient to verify the existence of those transactions. Chase has informed me that my available credit has been reduced or restricted due to alleged transactions or suspected fraudulent activity. However, despite multiple requests to Chase customer service representatives, Chase has failed to provide any meaningful information regarding the alleged transactions at issue. Specifically, Chase has not provided : The merchant name ; Authorization code ; Transaction reference number ; Transaction timestamp ; Transaction amount details sufficient to identify the charge ; Any visible record of the transaction in my online account history ; Any written correspondence, email, statement entry, or other documentation substantiating the alleged activity. I have contacted Chase on multiple occasions seeking clarification and requesting documentation supporting the restriction placed on my credit line. Despite these repeated requests, Chase continues to withhold available credit while failing to provide any documentary basis for the alleged transaction ( s ) or hold affecting my account. At present, I am being deprived of access to my available credit based on allegations that Chase itself can not or will not substantiate with any written evidence. This lack of transparency has prevented me from meaningfully reviewing, disputing, or addressing the alleged activity and raises serious concerns regarding Chases account servicing, disclosure practices, and internal procedures related to fraud holds and credit availability restrictions. In addition to the financial impact, Chases conduct has caused substantial emotional XXXX XXXX XXXX XXXX XXXX Being subjected to ongoing restrictions on my available credit without any explanation, documentation, or ability to verify the alleged transactions has created significant stress and concern regarding my financial standing and access to credit. Chases repeated refusal to provide basic transactional information despite numerous requests has only compounded that distress. Accordingly, I respectfully request that the CFPB require Chase to : XXXX. Immediately provide complete documentation and transactional details supporting the alleged transaction ( s ) or hold affecting my account, including all authorization and merchant data associated with the alleged activity ; 2. Immediately release the hold and restore my available credit if Chase is unable to produce documentation substantiating the alleged transaction ( s ) ; 3. Conduct a review of Chases customer service and fraud investigation procedures to determine why representatives are unable to provide customers with any record, explanation, or documentary support for account restrictions that materially impact available credit and account access. I also request that Chase provide a written explanation identifying the legal and contractual basis for restricting my credit line while refusing to disclose the underlying transaction information allegedly justifying the restriction. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation