Consumer complaint received 2025-11-24 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:
To Whom It May Concern, This is a rebuttal to the previously submitted claim # XXXX, Chase Banks claim that they notified me of a credit limit reduction on my Chase Sapphire personal credit card on XX/XX/XXXX. That claim is false. I did not receive any notificationby email, mail, or secure messageon or around XX/XX/XXXX regarding any reduction to my Sapphire credit line. 

The only communication I received from Chase was after I called to inquire why my limit was suddenly lowered without notice. The representative then sent an email to me in XXXX, long after the limit had already been reduced. I have attached screenshots of both emails that clearly differentiate between : Business credit accounts ( Chase XXXX XXXX XXXX XXXX XXXX ) Personal credit accounts ( Chase Sapphire ) Neither email shows any notification originating on XX/XX/XXXX. 

In addition : I received no letters at my home address. 

I received no letters at my business address. 

No secure message was ever posted to my Chase online portal. 

No adverse action notice was issued as required by federal law. 

Chases retroactive email was sent only after I called and questioned the sudden reduction. 

This proves beyond question that Chase did not notify me prior to, or at the time of, taking adverse action against my account.

Federal Laws Violated 1. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) ECOA requires creditors to provide written adverse action notice whenever they : Reduce a credit limit, Terminate credit, or Make any unfavorable change to a consumers account.

Chase provided no such notice for the Sapphire reduction.

The only letter I received pertained to my business accounts, which is not compliant.

This is a direct violation of ECOA.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681m ( a ) If Chase used my consumer credit report in making this adverse decision, they are legally required to notify me and provide : The name of the credit bureau used, My right to obtain a copy of the report, My right to dispute inaccurate information. 

Chase provided none of this. 

3. FCRA Permissible Purpose 15 U.S.C. 1681b ( a ) If Chase accessed my credit report in connection with this adverse actionand then failed to notify methis access may not meet the standard of permissible purpose under the law.

This is even more concerning because no warning or documentation was ever provided.

Impact on My Credit Profile Chases unauthorized and undisclosed credit limit reduction negatively impacted my credit by : Increasing my reported utilization ratio Potentially lowering my credit score Creating instability on my credit profile Reducing available credit on a longstanding, well-maintained account This harm occurred because Chase failed to properly notify me, failed to issue an adverse action notice, and misrepresented their claim of contacting me on XX/XX/XXXX. 

Requested Action I am requesting CFPB review to require Chase to : Provide proof of any notification sent on XX/XX/XXXX ( none exists ). 

Provide the legally required adverse action notice for the Sapphire account. 

Restore my previous credit limit or provide a lawful, documented justification. 

Explain why no letter was sent to either my business or home address. 

Disclose whether my credit report was accessed and document the permissible purpose. 

Chases actions are not compliant with ECOA and FCRA, and the lack of proper notification has caused direct and measurable harm to my credit. 

The documents attached show that Chase was not in compliance. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation