Consumer complaint received 2019-11-02
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: Non-sufficient funds and associated fees

Complaint:
Chase is by far the most unethical and never accepts responsibility or even partial responsibility for their oversight. This complaint addresses several issues. 

First Chase loves to refer guest to terms and conditions of opening accounts when they know they have been caught being greedy but shifts the fault to the customer. I have attached 2 screenshots for the dates XX/XX/XXXX and XX/XX/XXXX. They have referred me numerous times to my terms and conditions in which they cant find an answer as to why you would post 3 insufficient funds related fees on XX/XX/XXXX when you had the option to only post 2 fees? Funny how management and claims representative cant see the error. Luckily the Customer rep I spoke with on XX/XX/XXXX saw it and immediately refunded the {$34.00} charge. If you look at the transaction history of my account for XX/XX/XXXX. After the first transaction of {$25.00} posted I had {$150.00} remaining, There were 3 transactions to post that day. {$49.00}, {$150.00}, and {$200.00}. 

I wound have posted the {$49.00} so my balance remains in the positive. Then paid the {$150.00} and {$200.00} charging me 2 insufficient funds related fees. Instead you post the {$200.00} first. Do you know why you didnt post the {$150.00}? {$150.00} - {$150.00} = + {$0.00}, you cant charge insufficient fees if balance is still positive. Instead {$200.00} made me negative in balance right away and you can charge an extra fee. This is what the manager and claims rep couldnt answer. The postings were all on the same date. I think thats called charging unnecessary fees? 

Next the 2 unauthorized transactions {$380.00} and {$80.00} in which I disputed and won should be given to me. When they transferred out of my account without my knowledge or permission, my balance was able to cover it. With the addition of Chases Greedy Accounting or charging erroneous and unnecessary insufficient funds fee, my account went into the negative. So much so when I received the credits from these charges my account was still negative. So my dispute has done nothing for me to get those funds back. 

Chase could have returned the XXXX transactions while waiting for the {$380.00} and {$80.00} to post. Chase has denied many subsequent XXXX transactions after my negative balance went above {$600.00}, which by the way is caused by the Greedy Accounting practice developed by Chase. 

Next I had called and spoken to a claims representative, think her name was XXXX on Tuesday, XX/XX/XXXX. Again she couldnt answer my question about the extra insufficient fund fee rather she referred me to the T & C. Plus she said even if what you are saying is correct and you are owed a refund, we are not going to because Chase is closing your account. We do not need to be doing business with your type. Excuse me? My type? Can you elaborate? She changed subjects quickly and said that the 2 $ XXXX unauthorized transactions were found against me and I must pay back. I told her I will handle that separately after we resolve the {$380.00} and {$80.00} issue. Her reply was since Im no longer a Chase customer, she doesnt need to talk to me at all let alone refund me. Then she hung up the phone. 

Does Chase have a habit of hanging up on customers who dont agree with you? Or is it just my kind? Perhaps she thought I was lying because I was XXXX during our conversation? I have a XXXX XXXX in which I XXXX. Last I checked, XXXX XXXX is protected under ADA. Does Chase really want to go that route? 

The reversed credits I am still not paying for it. The reply from previous complaint doesnt really apply because my account access has been restricted and unrestricted many times in which Im sure everytime that done my setting are changed. I confirm with your online IT and even got a ticket number documenting that I was signed up for alerts of transactions over {$1000.00}. How dare Chase say I wasnt signed up. Does Chase want to look even worse? I have screenshots of my alert preferences back from XX/XX/XXXX when I first reported the unauthorized withdrawals.

Company response to consumer: Closed with explanation