Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 on Thursday. I called chase to request a new debit card I payed XXXX dollar fee. For next day delivery. I work for XXXX and XXXX so when I work i can cash out and continue to work. I was waiting for the card and never got it till the following Tuesday. I was not able to work because being the weekend and unable to deposit the money through the card. It held me back. If you look at my bank statement. I didnt do any deposit till I had the card and continue to work. I paid XXXX. Dollars to get it the next day. I was told later that. Chase has a contract with XXXX. The day is sent out is not considered the first day. Till the following day. 
I requested the card first day is Friday. Chase does not allow XXXX to deliver on the weekends even though XXXX does delivery on Saturdays. 
I did not get my card till Tuesday XX/XX/XXXX a hole week went by and could not work because the way they contracted with XXXX. Unlike before you could pick up a new card at there branch. So with that it delays time and with that. Every day that you unable to deposit the money or get paid through the card. Is charged accumulating with no fault of your. Own. 

On XXXX there was some unauthorized charges on my account I had to close my card on XX/XX/2018. I asked for next day delivery. I tracked the package it was here In XXXX XXXX. And set to be delivered. I waited and waited and nothing. Being the holiday XXXX XXXX it was a good time to work. I called XXXX and assure me it was on its way for delivery on Friday after tXXXX XXXX. It didnt get delivered called Friday Sat and nothing. Thats the day I found out. 
That XXXX couldnt deliver the package because The way they contract with Chase. The day it leaves there office its not considered the first day its the day after. Being that it was a holiday Thursday. I had to wait for Friday but because Friday is considered 1 day. And holiday and weekend do not count XXXX is obligated to hold the package till Tuesday the following week. I was extremely upset because i payed for next day and XXXX could not Deliver the package because how they contract with chase. Another way to make things hard for customers. And accumulate fees And also As a consumer. This Quick pay with XXXX. In ways is useless and another way to delay the help you may need from a family member. Meany of times I couldnt avoid getting over drawn because. In order for someone to help you with quick pay like XXXX. If its a different branch it has to be in XXXX XXXX   pacific time if the same in needs to be in by XXXX or XXXX. 
For it to clear the same night. To avoid any over draft fees. I dont know why they promote XXXX quick pay and has to be before XXXX. And if its after XXXX It wont post till next day and could not avoid the fees because any help that you may have need has to be before XXXX XXXX   pacific time zone or. Why bother asking a family members for hello when regardless your going to get charged fees because it wasnt. 
Deposit at the rite time I would have to Look through all my statements to find those moments that. I could have avoided the fess is I knew it wasnt going to help me. 

Its wrong that chase with in 2 months is able to keep out of my money over XXXX Its its robbery in every sense. 
No financial Institutions should be allowed Charge a customer that amount of money. 
When knowing there income is low and Is barely making ends meet. No bank Should be allowed to ruin someone Life because of fees. It should Be a red flag that a bank its screwing people money when there profit have been in only fees

Company response to consumer: Closed with monetary relief