JP Morgan Chase Bank Al Capone Inc. Unjustly destroyed an excellent credit rating.. Internet

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Dear .

We regret your dissatisfaction with the credit line decrease assigned to your account ending in...

"Our credit decision was based in whole or in part on information obtained in a report from the consumer
reporting agency listed below. The reporting agency played no part in our decision and is unable to supply
specific reason(s) why we have denied credit to you."

Experian: (888) 397-3742, P.O. Box 2002, Allen, TX 75013

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the
consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you
request it no later than 60 days after receiving this email. In addition, if you find that any information
contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with
the reporting agency.

Please keep in mind that according to your Credit Agreement, we can amend the terms of your account at any
time. We will notify you of what these amendments are according to the requirements of applicable law.

Additionally, upon submission of your original application, you agreed that we may request consumer
credit reports from one or more credit reporting agencies in connection with your application and the administration
of your account. You also authorized us to exchange credit information concerning you, or your account, with others,  such as merchants and credit reporting agencies.

If you have any questions or concerns, please contact our Customer Service Department at 1-800-955-9900. Our
Customer Service Department is available 24 hours a day to assist you.

Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

The Federal Equal Credit Opportunity act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the
capacity to enter into a binding contract); because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit
Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the
Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450,
Houston, Texas 77010-9050.

We comply with Section 326 of the USA PATRIOT Act. This law mandates that we verify certain information about you while processing your account application.

If you have any further questions, please reply using the Secure Message Center.

Thank You,

Portfolio Lending

1-800-955-9900

Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

The Federal Equal Credit Opportunity act prohibits creditors from discriminating against credit applicants on
the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the
capacity to enter into a binding contract); because all orpart of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit
Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the
Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450,
Houston, Texas 77010-9050.

We comply with Section 326 of the USA PATRIOT Act. This law mandates that we verify certain information about you while processing your account application.