Product: Checking or savings account

Shortly after I opened a checking account with Chase Bank, I set a recurring internal transfer from within the Chase mobile app of $ XXXX from my Chase checking account to Chase 's investment brokerage service ( both accounts are viewable from within the Chase mobile banking app ). 

Not long after setting up this recurring transfer of $ XXXX from my checking account to this Chase investment account, I realized it was way more than I could afford to be transferring out of my checking account per day to the investment account to still pay my bills and keep my checking account in the green. 

However, when I tried to turn off the recurring daily transfer from my checking account to the Chase investment account, I realized there does not appear to be a way to do so. I am very experienced in fintech and my career revolves around financial services and technology, so it wasn't simply user error. 

I have called Chase 's customer service on the checking side, the credit card side ( more on that below ), and the investment customer service side ; I have spent hours and hours on hold or being bounced between departments within the bank, each time promised once more they'll " get me right over to someone who can help '' only to be transferred and put on hold again. I have been told multiple times by Chase representatives that they'll look into the issue and fix it, but I have never heard back on the matter. After pleading for a fix to this issue several times, and Chase representatives agreeing that it's a big problem and they don't see a way to turn off the outgoing transfers either yet couldn't do anything about it other than transfer my call to some other department that agrees the same but also can't do anything to help, I gave up on trying to get the glitch resolved. 

With {$50.00} coming out of my checking account a day, and no way to shut off the daily outbound transfers, and also no way to instantly transfer the funds back to my checking account ( both outbound and inbound, the automatic daily transfers take time before hitting the destination account, meaning that I can't access that money while its in-transfer or sitting in an investment account I do not even use, and it can add up fast because it's impossible to keep up with each day to move the money back. 

In XXXX of this year, I became the XXXX XXXX XXXX XXXX XXXX XXXX and also had a random accident that resulted in a XXXX XXXX  with XXXX XXXX that last several months. Not only was my income down from not being able to look at a computer or phone screen per doctor 's orders, and paying for all the expenses of having a XXXX  XXXX, but I also had to keep up with Chase 's auto transfer bot ever day, as it was causing me to incur overdraft fees when I should have had money in my account. 

The overdraft fees I have incurred due to not being able to turn off {$50.00} coming out of my checking account after withdrawing my consent verbally on a recorded line with Chase customer service on multiple occasions yet continue to persist have caused a lot of issues for me and my credit score.

For one thing, I have paid a huge amount of overdraft fees that seem to have a snowball effect and lead to more overdraft fees. I was not able to make the payments on the Chase credit card connected to my checking account because I was instead paying overdraft fees charged to my checking account because Chase was moving {$50.00} a day to a Chase investment account. 

I do not see this as being a fair way to do business, pushing someone into red by transferring their money to a different account, then charging a slew of overdraft fees and not resolve the issue even after I withdrew my consent for the daily transfers to continue. 

Thank you for researching this matter. It has been the source of an enormous amount of stress in my life and any help in resolving this issue would be extraordinarily appreciated. 

-- -- -- Fair Resolution to Issue : - I need the automatic daily transfers from my checking account to Chase investment account to be fixed and turned off ; - I need Chase to refund the overdraft fees I have incurred over the past 2 years due to this automatic daily transfer of {$50.00} from my checking account ; - I need to be able to resolve the balance outstanding with my Chase credit card which became impossible to make the payments with the overdraft fees I was being incurred as my money was being drained from my checking account due to the unauthorized ( de-authorized, at least ) funds transfers ( at a rate of $ XXXX ) over the past 2 years and the result was more overdraft fees. 

- I received notice Chase is now going to " charge off '' the account which I want to pay, but after missing a few payments due to all of the fees, and during a period when my income was low due to recovering from an accident and parenting a newborn baby, Chase sent me an invitation to negotiate a " re-payment plan '' that would require me to agree to may payments toward a way larger amount than the actual balance of the credit card pre-default ( I assume they added in fees and interest and anything else imaginable ). Again, I believe it was an unfair process because I had complained to the Chase credit card representatives multiple times that I was having trouble making payments due to the overdraft fees that were resulting from this automatic daily transfer situation. 

- Negative Credit Reporting Must Stop and Erased Because this is Clear Bank Error With Consumer Harm.