Consumer complaint received 2025-01-14 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: CO

Complaint narrative:
I have a joint credit card XXXX my husband. We have had Chase bank for a few years now, a we just recently started having problems with this bank. The first complaint that my husband filed was for wrong bank overdraft fees. This new one now, is for my Chase Sapphire credit card. The main reason that I got this particular card from Chase, was for travel and minor emergencies, as well as we are in the middle of checking out colleges for my child in different parts of the country. With that being said, I have not had any problems with my card up until now. Upon making my payments earlier than the due date, I recently made XXXX big deposits for a trip we had planned for XXXX. XXXX deposit was for XXXX on XXXX XXXX, and my next big deposit made was on XXXX, XXXX, for XXXX. I thought we were fine as the limit on my card was XXXX, and I had also already made the interest as well as my regular payment on my account for the month. However, smack in the middle of our vacation, when we were XXXX shopping with our kids, XXXX! A purchase we attempted to make did not go through. I checked my card balance the night before, and everything seemed fine, and I had plenty of money left on my card to cover expenses.so we did not know what happened. Total shock! So here we are in the crowded mall on the phone with Chase credit card on 2 days before XXXX, when we were informed that they had lowered my credit limit from XXXX, to XXXX XXXX, and that now I am over my credit limit by almost XXXX. Are they XXXX kidding me! However, no one that we spoke with for over XXXX minutes, could explain to us, why this happened, and why they picked now to do this, with no warning what so ever! That was the amount and more that I should have had on my credit card left to spend. Neither my husband nor I received any type of warning prior to this. No email, text, phone call nothing. Why would Chase do this! My family and I, had to leave our hotel a day early and sleep in the airport with our kids, XXXX Chase stole our money. Any deposits that we made on our hotel and car rental that we're returned after our trip were also XXXX  up by fake over limit fees. My husband and I are beside ourselves with the fact that Chase had the nerve to really do this. How many other people have they done this to? I have trust issues with Chase for good reason, as they have done us dirty before, so I took a picture of my balance as proof the day we left for vacation, to make sure that everything was still good on our card, and that our balance and money were still in tactics. My balance as you can see in the picture that I attached was XXXX of available credit out of XXXX, as of XXXX, XXXX, XXXX. However, once XXXX, XXXX, XXXX, was when we got the rude awakening that our credit balance got dropped out of nowhere. XXXX XXXX calling Chase ourselves. The next picture, which I am sure is Chase attempting to cover their XXXX, is proof that they did not give us any explanation or notice that our credit limit was going to be lowered, and that the money that we put on our card to pay for our trip was goingvto be stolen by them until XX/XX/XXXX, almost a full month later. How is this legal for Chase to do this? My husband and I, are completely beside ourselves as to how credit card companies such as Chase, can keep getting by with this type of pure deceit and XXXX!

Company response to consumer: Closed with explanation