Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
SUMMARY OF VIOLATION : Chase violated federal law by reducing my credit limit from {$9200.00} to {$8600.00} without providing the required 45-day advance notice under the Truth in Lending Act ( 15 U.S.C. 1637 ). Additionally, Chase falsely characterized a grace period payment as a " late payment '' to justify their illegal actions. These violations have caused severe financial harm including credit score damage and public embarrassment. 
TIMELINE OF VIOLATIONS : XX/XX/XXXX : Last statement showed {$9200.00} credit limit with no mention of changes XX/XX/XXXX : Chase claims to have sent notice of credit limit reduction ( BURIED online notice that required chat assistance to locate ) XX/XX/XXXX : Discovered credit limit reduction to {$8600.00} when purchase when letter was received in the mail Current Status : Balance of {$8100.00} on {$8600.00} limit = 95 % utilization ( was 89 % before ) SPECIFIC FEDERAL LAW VIOLATIONS : 1. TRUTH IN LENDING ACT VIOLATION ( 15 U.S.C. 1637 ( i ) ) : Failed to provide required 45-day advance notice Did not provide any notice until after the change was made Notice was deliberately hidden and " hard to find '' online No email notice sent despite electronic communication preferences Mailed notice dated XX/XX/XXXX did not arrive before credit line was lowered 2. DEFECTIVE NOTICE VIOLATIONS : Notice was NOT " clear and conspicuous '' as required by law Required Chase chat assistance to locate the buried notice Failed to use proper delivery methods ensuring customer receipt Violated Regulation Z notice requirements 3. FALSE REPRESENTATION VIOLATIONS : Falsely characterized grace period payment as " late payment '' Used false " late payment '' claim to justify illegal credit limit reduction Violated Truth in Lending Act provisions against deceptive practices Breach of cardholder agreement terms regarding grace periods 4. UNFAIR AND DECEPTIVE PRACTICES : Deliberately set new limit just above current balance ( 94 % utilization ) Created artificial credit score damage through utilization manipulation Designed limit to cause immediate over-limit risk with any purchase Predatory scheme to damage creditworthiness using false justifications FINANCIAL HARM SUFFERED : 1. CREDIT SCORE DAMAGE : Utilization jumped from 89 % to 95 % overnight Credit score impact affecting future borrowing costs Damage to creditworthiness and financial standing 2. IMMEDIATE DAMAGES : Inability to make necessary purchases Forced to seek alternative payment methods 3. ONGOING HARM : Increased borrowing costs due to credit score damage Limited access to credit for emergencies Continued high utilization ratio damaging credit CHASE 'S PATTERN OF VIOLATIONS : Chase has been repeatedly sanctioned by regulators for similar violations This appears to be systematic non-compliance with federal notice requirements Chase 's conduct suggests willful disregard for consumer protection laws Use of false payment characterizations shows pattern of deceptive practices

Company response to consumer: Closed with explanation