Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2019 Two times a {$34.00} fee Deposit / withdraw manipulation Check stacking scam Chase is still manipulating deposits and withdraws. I suggest everyone file complaints with the Feds everytime this happens. As usual, when I have plenty of funds that there is no way to manipulate fees, my deposits from my online shop or my retirement will ALWAYS POST PRIOR TO WITHDRAWS. But when there is a way to manipulate the two, usually end of month when I am very tight and when I am awaiting a deposit to hit to cover withdraws or checks for that day or week, they will pend the deposit, which they never do if I have plenty of funds. They also will once again " stack '' checks. This month they took a {$300.00} one that was written at XXXX XXXX that day over a {$120.00} that would have cleared no problem if withdrawn first that was deposited at XXXX XXXX  from my city of 300 residents. So instead of not pending my SSI they pend it so it won't clear until the next day, than they take a {$300.00} check that over drafts me by a like {$20.00} before the {$120.00} that would have cleared no problem if presented first and charged me two fees. 
This is EXACTLY WHAT THEY WHERE SUED FOR IN 2012 I have filed a complaint with Feds every time. I print screen through out night to prove that at XXXX XXXX there was no checks presented and my SSI was pending but my available balance was over {$1600.00} due to that pending SSI guaranteed payment but somehow at XXXX XXXX my balance was in the negative, my SSI no longer available balance and I get charged for funds they had sitting at XXXX XXXX. 
I already paid these scumbags with a bailout paid by my sweat. They not only should have been shut down but all CEO 's should have gotten life in prison.. but they just keep XXXX  us and laughing at a half day interests fine in XXXX.. 
I am older at XXXX and not great with modern tech or computers so I am copying and pasting the complaint I sent directly to Chase also below Date : XX/XX/2019 XXXX To : Chase Online Subject : Service Fee Inquiry Message : DOMAININDICATOR : COL ATTACHMENTSIZE:0 ECI:XXXX PCUSTSEG : POH PRODTYPE : RBG SMPODID : XXXX CIPDOMAIN : XXXX PRODUCT CODE:XXXX SUB PRODUCT CODE:XXXX ACCOUNT NUMBER : XXXXXXXXX SERVICE FEE DATE:XX/XX/2019 SERVICE FEE AMOUNT : {$34.00} Once again you are manipulating my account to collect fees that you do not deserve. For one to take the highest of two checks that came in. The lower one written days before and submitted much earlier in day from the City of XXXX which has less than 300 residents and I know for a fact was submitted to bank before XXXX that day.. by taking out a check written much later that day for larger amount prior to the smaller check you have charged me for a fee I should not have gotten. Also you decided once again, to process any deposit as pending when you ONLY DO THIS WHEN YOU CAN XXXX  ME FOR A FEE otherwise it would have cleared prior to any withdrawls as my history shows you do over and over. 
My SSI came in at XXXX of the XXXX and until XXXX XXXX I did not show any over drafts I will once again be making formal complaints to the Federal Government and the legal advisors researching Chase for these issues that you have already been sued for and told to stop. 
You have enough of my hard earned money being bailed out instead of impressioned and shut down. 
Stop XXXX  people. Refund the over draft now.

Company response to consumer: Closed with monetary relief