Consumer complaint received 2018-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I phoned Chase bank, and applied a small fee of {$25.00} to pay for a stop payment on a Loan company 's ' payment. XX/XX/XXXX Chase bank overrides customers Stop payment Fee and Explains other than the Fee applied. They argue they are the highest in Fraud and it doesn't matter that i have stop payment the Loan company withdrew the funds as prior payments an electronic check. Each 5 bank members { Employees } .. etc.. They want to perform how ranking its independent duty or rule to my payment of {$25.00} stop payment is???

. Chase bank in freer practice too and has have - been and this is-evidence of open files in complaint are monitoring my account as a practice. The complaint is made in part of 4-403. CUSTOM
ER 's RIGHT TO STOP PAYMENT ; BURDEN OF PROOF OF LOSS.

( a ) A customer or any person authorized to draw on the account if there is more than one person may stop payment of any item drawn on the customer 's account or close the account by an order to the bank describing the item or account with reasonable certainty received at a time and in a manner that affords the bank a reasonable opportunity to act on it before any action by the bank with respect to the item described in Section 4-303. If the signature of more than one person is required to draw on an account, any of these persons may stop payment or close the account.

( b ) A stop-payment order is effective for six months, but it lapses after 14 calendar days if the original order was oral and was not confirmed in a record within that period. A stop-payment order may be renewed for additional six-month periods by a record given to the bank within a period during which the stop-payment order is effective.

( c ) The burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a stop-payment order or order to close an account is on the customer. The loss from payment of an item contrary to a stop-payment order may include damages for dishonor of subsequent items under Section 4-402. 

The account retains a invisible button on this date.Called I DO NOT WANT OVERDRAFT. This button issue is in complaint and unanswered on this date. The button is removed from my platform. Or invisible.. If funds are not available the check is required to be returned. They bank is monitoring the account as in Complaint and unresolved Case File Number going back to XXXX Public Inquiry Unit dealing with the other unanswered and resolved complaints submitted to Chase bank. dealing with those facts. This day is XX/XX/XXXX I have contacted Chase bank in regards to sending me customer satisfaction emails in how am i going to pay for my overdrafts fees in the payments they are watching to add {$34.00} fee for insufficient fund. Now the insight of Chase bank i have accessed the forum to request the bank communicate if i am insufficient in allowing a payment i stopped to be paid and itemizing what Chase bank is going to pay. That i may request in depository rules other than FDIC my income that as a Insurance company can go to limit per day. As in that way i can request your named aka employees in requesting its he or she names pay my payroll per day of what i earn per month to include deductions before deposit. 1. Chase bank is not i to monitor or to inform the non payment of a Loan Company XXXX XXXX XXXX A chase bank returned payment on XX/XX/XXXX allocating i did not get a deposit. Consumer has 2 weeks to make a deposit before it can be returned. Chase bank informed the loan company XX/XX/XXXX that customer did not get a deposit and payment was returned insufficient. This is a violation of consumer privacy laws. Well. At that time Customer had no overdraft protection XX/XX/XXXX as a Chase bank asserted task but in XX/XX/XXXX Customer without giving Chase bank consent retains Overdraft protection. 
I am only 1 person. for all this excise activity. Y Further XX/XX/XXXX a stop payment paid from customer account. Your employees maybe FDIC especially when they think they are consumers rights. In this forum my money is insured in another forum so on that note. I request Chase do not conflict with me to enforce rights on my payment they revoked titled : STOP Payment. 2. Chase bank respect the customer rights in NON overdraft protected until otherwise notified by customer in writing that she wants overdraft protection.. Well. About the stop payment. No payment from the Loan company was taken out of customers account in XXXX. In oversight of Chase bank revoking customers right in that the Fee {$25.00} XXXX when they allowed payment to post and pend payment that is a stop payment and add overdraft protection to the bills for that month to be paid. They do not make Financial decsions for customer and have and i herein in this complaint a request in notice :. The rights i retain i seek and request for other resolutions as i am tasking the issue of this complaint.. Further a request has been applied to the bank over the phone, then online message If Chase is going to enforce and disturb my rights in a stop payment fee of {$25.00} and to allow payment of the stop payment to clear I am not insufficient then The bank is in revocation of my right and to assert to notify me is harassment. How its my money that paid for it and as a request you should use your platform with online message available to notify or imply to customer of her overdraft in the account of insufficient but Chase paid and how i can make a deposit. Well i will make my deposit and apply the regulations to settle i notify you in this way as a civil request being defeated It would be advised the employees task a class of behavioral management in confusing their position to customers rights But since they are in custody and control of my right i believe we have a few regulated problems in request and my own personal input on screen of non overdraft protected. Chase bank says they can revoke may right and decide who they pay out of my account I have a lot of activity they state at another time is not visible but at that time was and lucky i learnt how to copy and paste, hold and keep documents before the task of it disappeared or is no loner available. I have informed Chase bank of a data breach XXXX   XXXX they have yet to resolve those issues reported. I was mailed a bunch of bank statements inaccurate date of opening statement.. This issue is new and in section would apply to Contractual Data Stop Payment _Chase Bank Transfer Agreement of the Stop payment is between parties known as chase employees and herein Clause to adjoin Cell phone transfers as part of its Employed position in dealing with Customer relations Fraud is not fraud because they had not paid the fee for stop payment is personal fraud brought by the employed sanctioned representatives AKA telephone communications etc.. 



The personal data in which they compromised to insight, hack and give civil opinion on the Stop payment Chase bank employees Debt I provide the governing body of those employees to include Misrepresentation, Fraud, and Playing with financial lines, manipulating the the bill of rights in secured deposit in asset under regulations of the undersigned. 

The independent employees includes, name, email and/or phone contact information abstracts the bill of rights underpayment with the amendment to the stop payment of a company from payment. 
On XX/XX/XXXX E mailer form a Chase bank received a call from customer advising the privacy rights and laws to not email me with its insufficient dent in practices the time and place of proposed export of data in fiduciary take place in any jurisdiction processed by any other form performed a electronic risk assessment after and before processing the Customer Data or launching the Services agreement are Chase bank Checking & savings account columns Chase bank credit card department the named indicators employed task to enact I was told to go to the bank and get it.

Data subjects Data subjects include the data exporters customers representative 's and end users, primarily customers of the data exporter, but also including employees, contractors, and collaborators thereof. Data subjects may also include individuals attempting to communicate or transfer personal information to users of the services provided by whay they can do with my money in payments of bills and personal information to clients of them are not customers as i i am client to chase bank. 
by the data importer.Categories of data The personal data transferred includes, name, email and/or phone contact information, time and place of proposed appointment or booking, and other data in an electronic form retains its security documents pursuant to its retention requirements after they are no longer in effect Contractual Encrypt Financial Data 1. Provided by customer, provided by chase bank. 
Chase bank excludes customers right to rightful process of fraud in affidavit of the laws in brief of memorandum of truth and law versa Chase bank public opinion in the right it controls for access the access is defined above in the change of the customers data to the preference it foresee as the right to the posses to the right of customer. 
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Company response to consumer: Closed with monetary relief