Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I write to lodge a formal complaint concerning the unauthorized reduction of my Chase Sapphire Reserve credit line to {$100.00}, a drastic measure improperly taken in response to my request to lower only the Cash Advance Limit. This error has constituted a material breach of our cardholder agreement, and has inflicted substantial financial loss, personal inconvenience, and emotional XXXX. 

Factual Background On XX/XX/year>, I contacted Chase Sapphire Reserve customer service to request a reduction of my Cash Advance Limit to the minimum permissible amount. Before concluding the call, I explicitly confirmed with the representative that : 1. The action applied exclusively to my Chase Sapphire Reserve credit card ; 2. Only the Cash Advance Limit would be reduced. The representative assured me that my Cash Advance Limit had been lowered to {$100.00}.

That same evening, my card was repeatedly declined when attempting a {$4.00} grocery purchase, and I received numerous payment failure notifications for other pending orders. Upon contacting customer service, I learned that my entire credit linenot merely the Cash Advance Limithad been reduced to {$100.00}.

The first agent was unable to restore my credit line and transferred me to the Lending Department. There, I provided income documentation and submitted a formal credit-line increase application, which was immediately rejected. A supervisor and agent subsequently spent over 40 minutes investigating, ultimately providing only a Case Number and describing my situation as highly unusual and unprecedented in ten years.

Additional Consequential Damages Canceled Online Orders : The {$100.00} credit-line cap caused multiple online merchants to automatically decline or cancel my orders for insufficient credit. Among these were limitededition items that sold out, resulting in irrecoverable financial loss and lost opportunity.

Family Hardship : During the grocery incident, I carried only my Chase Sapphire Reserve card, trusting its reliability. With no alternative payment method, I was unable to purchase essential groceries, forcing my family to forego dinner, which caused significant XXXX  and dissatisfaction. In addition, this incident has harmed my reputation within the community. Many people know me personally, and they are left wondering what financial difficulties I must be facing if I am unable to pay even {$4.00} for groceries. 

Breach of Service Expectations : As a Sapphirelevel cardholder, I reasonably expected premier service and uninterrupted access to credit. Instead, I suffered a glaring service failure.

I am filing a formal complaint with the Consumer Financial Protection Bureau ; and if necessary, I will pursue all available legal remediesincluding claims for breach of contract, negligence, and emotional XXXX  the appropriate judicial forum. 

I request reasonable goodwill compensation, in light of Chase 's unauthorized reduction of my credit linewhich constitutes a material breach of our cardholder agreementand the significant hardship and contract violations that resulted therefrom.

Kind regards

Company response to consumer: Closed with non-monetary relief