Consumer complaint received 2024-01-17 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: CO

Complaint narrative:
Attn : Chase Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/2023, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. 


From your website address - XXXX XXXX XXXX Fair Lending Overview Introduction Fair Lending is the unbiased treatment of all customers when making credit-related decisions. Fair Lending laws ensure that financial institutions provide fair and uniform services and credit decisions. The fair treatment of our current and potential customers is an integral part of our overall commitment to maintaining the highest standards of corporate responsibility. This extends to every aspect of a credit transaction, including not only how we review credit requests, but also our advertising, handling of pre-application inquiries, loan disbursements, and ongoing servicing of the loan. 
JPMorgan Chase & Co. Fair Lending Statement JPMorgan Chase & Co. ( JPMorgan Chase ) is committed to treating all individuals fairly and equitably in the conduct of its lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act, the Fair Housing Act as well as other factors included in state and local laws. These laws require the equitable treatment of all credit applicants without regard to race, sex ( including sexual orientation and gender identity ), color, national origin, religion, age, marital status, disability, familial status, the fact that all or part of the applicants income derives from public assistance programs or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Denying any person equal access to basic economic opportunities, such as home ownership or credit, is morally repugnant, has no place in our company, and will not be tolerated. Only through the efforts of all of us at JPMorgan Chase can we ensure that every applicant for credit receives fair and equitable treatment and that we have helped each member of the communities JPMorgan Chase serves reach their fullest potential. 
Fair Lending Laws/Regulations Equal Credit Opportunity Act ( ECOA ) This law affects every phase of the lending process and prohibits discrimination on the basis of : Age Race or color Sex ( including gender, gender identity and sexual orientation ) Marital status National origin Race Religion Exercising rights under the Consumer Credit Protection Act Receipt of public assistance ECOA prohibits making credit decisions or discouraging applicants, based on any of the factors listed above.

Company response to consumer: Closed with explanation