Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Complaint Against JPMorgan Chase Bank , N.A . Unnotified {$16000.00} Credit Limit Reduction and Harm to Credit Utilization To Whom It May Concern, I am submitting this complaint regarding the conduct of JPMorgan Chase Bank , N.A . ( " Chase '' ) in connection with my Chase Sapphire credit card account ( last four digits XXXX ). I believe Chase has acted unfairly and possibly in violation of federal consumer-protection laws by reducing my credit limit by {$16000.00} without prior written notice and without any evidence of default or delinquency. 
________________________________________ 1. Description of the Issue On or about XX/XX/year>, I learned that my Chase Sapphire credit limit had been reduced from {$24000.00} to {$8000.00}, a decrease of {$16000.00}. I received no advance notice or adverse-action letter at the time of the reduction. I only discovered the change when I contacted Chase to inquire about my account. 
I have never missed or been late for a payment, and my account was well below the previous limit. I maintain a strong credit history and low utilization across my personal XXXX account. This abrupt reduction has now increased my credit-utilization ratio through no fault of my own, creating an appearance of high utilization that is already damaging my credit score and creditworthiness. 
Although my Cardmember Agreement does state that Chase may review or adjust my credit limit at its discretion, federal law and the Equal Credit Opportunity Act require that I be notified in writing of any adverse action, including a limit decrease. I was not notified prior to this reduction, nor provided with a written adverse-action notice at the time of the decision. Instead, I received a letter only after I contacted Chase to question why my credit line had been reduced. 
Furthermore, Chase appears to have accessed or reviewed my credit information from other credit cards without my explicit consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ). This statute clearly limits when a creditor may obtain a consumer report, and such access is only lawful when it is ( 1 ) in connection with a credit transaction initiated by the consumer, or ( 2 ) for the purpose of reviewing an existing account with that same creditor. Because I neither applied for new credit nor authorized Chase to conduct a cross-card or multi-account review, any such inquiry would exceed their permissible purpose under federal law. 

________________________________________ 2. Potential Violations and Legal Grounds 1. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) ; Regulation B, 12 C.F.R. 1002.9 Requires creditors to provide a written adverse-action notice when reducing a credit limit based on a credit report or account review. Chase failed to do so.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) Requires accurate furnishing of information. If Chase reports high utilization or over-limit status caused by its unilateral reduction, such reporting would be misleading.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1666b ; Regulation Z, 12 C.F.R. 1026.10 Requires timely disclosure of material account changes. Chase provided no such notice.

4. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts or practices. Sudden, unnotified limit reductions for accounts in good standing may constitute such acts.

________________________________________ 3. Requested Action I request that the CFPB : 1. Investigate Chases failure to provide prior notice of the {$12000.00} limit reduction.

2. Determine whether Chase is circumventing adverse-action notice requirements through internal account reviews.

3. Require Chase to explain in writing the reason for the reduction and whether it was based on a credit report or internal data.

4. Direct Chase to restore my previous credit limit or mitigate harm to my utilization ratio.

5. Ensure no inaccurate information is furnished to credit bureaus.

6. Take enforcement action if Chase violated the ECOA, FCRA, or TILA.

________________________________________ Legal Footing Summary Law Protection Application ECOA 1691 ( d ) Requires written adverse-action notices. Chase gave no advance notice of {$16.00} K reduction.

FCRA 1681s-2 ( a ) Mandates accurate reporting. Ensures Chase cant misrepresent your utilization.

TILA 1666b Requires notice of material account changes. Chase failed to disclose before taking action.

CFPA 5531 Prohibits unfair or deceptive acts. Applies to harm caused to credit for accounts in good standing. 
________________________________________ Sincerely, XXXX XXXX : All Rights Reserved XXXX XXXX XXXX : All Rights Reserved XXXX XXXX

Company response to consumer: Closed with explanation