Credit card -- Trouble using your card -- Complaint #17152698
Complaint Overview
Complaint ID: 17152698
Company: Jpmorgan Chase & Co.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: California
ZIP Code: 91206
Date Received: 2025-11-10T12:00:00-05:00
Date Sent to Company: 2025-11-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Against JPMorgan Chase for Failure to Provide Required Notice and Improper Credit Limit Reduction To Whom It May Concern, I am submitting this formal complaint regarding the unlawful reduction of my Chase credit card limit from {$8200.00} to {$1700.00} without proper notification or valid justification, which is a clear violation of federal law. On XX/XX/XXXX, at XXXX AM, I received a call from a male representative named XXXX from the Chase Bank review department. During this call, he questioned me extensively about a late payment reported to another bank When I contacted Chase customer service on XX/XX/XXXX, I was told the reduction was due to inactivity on the card. However, this claim is baseless as my account had active charges dated XX/XX/XXXX. This contradiction calls into question the legitimacy of their reasoning and further highlights XXXX failure to provide accurate information. As per Regulation Z, part of the Truth in Lending Act ( XXXX CFR XXXX ( c ) ( XXXX ) ) and the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ), Chase was required to provide me with written notice at least 45 days in advance of this significant change. They did not comply with this legal mandate, depriving me of the opportunity to respond or adjust my finances accordingly.
Frequently Asked Questions
What is Complaint #17152698 about?
Complaint #17152698 was filed against Jpmorgan Chase & Co. regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-11-10T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.