Consumer complaint received 2024-07-01 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: CA

Complaint narrative:
On XX/XX/year>, I discovered that my credit card my amazon XXXX  credit limit was reduced to XXXX, rendering the card unusable. This adverse action was taken despite ongoing arbitration proceedings, regarding a billing error. To initiate said billing error, I sent Chases registered agent in California an affidavit which explicitly stated that Chase Bank isn't allowed to restrict, limit, or disrupt my account in any way under 12 CFR 1026.13 ( d ) ( 3 ). My affidavit was received and remains unrebutted. 

Additionally, my second Chase credit card account was also adversely impacted. On XX/XX/year>, I requested an upgrade from Sapphire Preferred to Reserve. However, I never received the new card. I made a follow-up call on XX/XX/year>, to order a replacement card. Although I requested a 2 day delivery, the card never arrived. This is perceived as another adverse action, despite the account being in good standing with no disputes or arbitration proceedings. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 1 ) by penalizing me for withholding payment on disputed amounts during the arbitration process. Additionally, they violated 12 CFR 1026.13d ( 3 ) by reducing my credit limit in apparent retaliation for exercising my rights under Regulation Z. 

Chase Bank 's actions in violating 12 CFR 1026.13 ( d ) ( 1 ) and 12 CFR 1026.13 ( d ) ( 3 ) may also constitute violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ) if these actions resulted in inaccurate information being reported to credit reporting agencies or if proper notification and dispute handling procedures were not followed as required under the CCRAA. 

These actions have resulted in direct financial harm, mental and emotional distress and increased interest charges and the inability to access credit when needed. Despite sending a dispute letter to Chase Bank regarding these adverse actions and violations on XX/XX/year>, I have not received any response or resolution. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 1 ) by penalizing me for withholding payment on disputed amounts during the arbitration process. For this violation, Chase Bank is civilly liable to me under 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( i ), which entitles me to statutory damages of up to {$1000.00}. 

Chase Bank violated 12 CFR 1026.13 ( d ) ( 3 ) by restricting and limiting my account due to an ongoing billing error dispute. For these violations, Chase Bank is civilly liable to me under 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( i ), which entitles me to statutory damages of up to {$1000.00} for each violation. 

Furthermore, It is pertinent to note that I have revoked Chase Banks ( JPMorgan Chase Bank, N.A. ) power of attorney and security interest on XX/XX/year>. Despite this, Chase Bank continues to take unauthorized actions on my accounts, disregarding legal boundaries and instructions provided. This disregard for the revocation strengthens my claims, as it suggests misuse of authority and unauthorized access to my personal information. 

I appreciate your prompt attention to this matter and look forward to your investigation and resolution of this complaint.

Company response to consumer: Closed with explanation