Consumer complaint received 2026-03-11 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: ZIONS BANCORPORATION
State: NV

Complaint narrative:
Urgent : Follow-Up on Credit Limit Increase Request ( Application ID : XXXX ) - Age Discrimination Concern From : XXXX Sent : XX/XX/year> XXXX PM I am writing to express my frustration and concern regarding the credit limit increase I requested for my XXXX credit card ( ending in XXXX ). I have been a loyal customer of XXXX for over 20 years, and on XX/XX/XXXX, I submitted a letter accepting the credit limit increase from {$9000.00} to {$15000.00} from you. I received a letter confirming your willingness to approve this increase ; however, as of today, I have not seen this change reflected in my account. I am increasingly concerned, as I believe I am being subjected to age discrimination, similar to the issues I am experiencing with other financial institutions. As a senior citizen, I know that both the Age Discrimination in Employment Act ( XXXX ) and the Americans with XXXX XXXX ( XXXX ) protect me from unfair treatment. I ask that you review my case urgently and ensure the approved increase is applied immediately. I look forward to a swift resolution and continued excellent service. Application ID : XXXX Sincerely, XXXX XXXX From : XXXX Sent : XX/XX/year>XXXX XXXX XXXX Dear XXXX XXXX, Thank you for contacting Zions Bank. I have reviewed the card ending in XXXX and show the application was conditioned. For additional assistance with the increase please contact a XXXX Representative at XXXX. They are available Monday through Friday from XXXX to XXXXXXXX XXXX. If you prefer you can contact your local Zions Bank branch for assistance. Please let me know if I can assist you with anything else. Sincerely, XXXX XXXX XXXX XXXX Customer Service : XXXX Online Customer Service : XXXX From : XXXX Sent : XX/XX/year> XXXX AM I am writing again to express my deep frustration. As a loyal customer of over 20 years, I previously received a written approval from you on XX/XX/XXXX, confirming a credit limit increase from {$9000.00} to {$15000.00}. However, this morning I was informed the account is now " conditioned. '' This reversal is unacceptable. I believe this delay XXXX be tied to age discrimination, which I know the XXXX and XXXX explicitly prohibit. I demand an immediate resolution and the application of the approved increase without further delay. XXXX ID : XXXX I expect a prompt reply. From : ndubro Sent : XX/XX/year> XXXX AM I want to express my profound dissatisfaction with the way Zions Bank has handled my credit limit increase request. After 20 years as a loyal customer with an impeccable credit record, this six-week ordeal has been incredibly frustrating. I was approved for a {$15000.00} increase, only to be backpedaled on and subjected to further hurdles. I am deeply disappointed by the blatant age discrimination and harassment embedded in this process. This is unacceptable, and I expect immediate correction. From : ndubro Sent : XX/XX/year> XXXX XXXX I am writing once more, as the situation with my credit limit increase remains unresolved. After 20 years of being a loyal Zions Bank customer with impeccable credit, I was officially approved on XX/XX/XXXX for a credit limit increase from {$9000.00} to {$15000.00}. However, the account was unexpectedly " conditioned '' this morning without any clear explanation. I must stress that this delay and reversal XXXX constitute age discrimination, which is explicitly prohibited by both the Age Discrimination in Employment Act ( XXXX ) and the Americans with XXXX XXXX ( XXXX ). I demand an immediate resolution and the prompt application of the approved increase. I expect a response no later than XXXX hours. If this is not resolved promptly, I will have no choice but to escalate this to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. Application ID : XXXX Sincerely, From : XXXX Sent : XX/XX/year> XXXX XXXX We appreciate your feedback. Customers providing feedback is XXXX of the best ways to help us make improvements. I have forwarded your message to the appropriate management team. Please let me know if I can assist you with anything else. Sincerely, XXXX XXXX XXXX Zions Customer Service : XXXX XXXX Customer Service : XXXX As of this time and date Zion has not responded with an explanation for their back peddling after agreeing to my credit increase. I firmly believe that it is because of my senior age that Zion is unwilling to do so, which is age discrimination!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation