Consumer complaint received 2016-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Hi I have been a Chase Personal Checking customer since XXXX. I only use the account occasionally. On XXXX XXXX, XXXX I made on an online payment for {$1300.00}, but apparently did n't have sufficient funds in the account, which triggered in Overdraft Protection ( which I did n't know was on the account and I did not authorize ) on a Chase Credit account. Since then, Chase has been charging me interest and my Credit account was auto-paying the minimum payment, resulting in {$260.00} in interest charges before I discovered this balance ( I had not received any statements or notice ) and tried to pay off the total amount on XXXX/XXXX/XXXX, but somehow that payment got returned ( with no notice ). ( Details of the transactions below ). 

I called up Chase Customer Service this morning XXXX XXXX/XXXX/XXXX XXXX, ended up speaking with XXXX reps ( including being disconnected twice ) and supervisors, who kept on passing me back and forth between the checking & credit depts. I told them I did n't know that I had ODP and did n't authorize it, did n't know about the balance or charges until XXXX XXXX, and do n't think it 's fair that I should pay the interest ( I am fine with paying the balance of the {$1300.00}, which I paid from my Chase Checking account ) while I was on the phone. All the reps could say was that they submitted a request for removing the finance charges, but that the automated system declined and there is no one who can help me, even though they do n't have any documentation for ODP being set up on my account. 

It 's only {$260.00}, but it 's another instance of big banks bullying little customers. 


JP Morgan Chase Bank CREDIT CARD ( ... XXXX ) BALANCE AVAILABLE CREDIT TOTAL CREDIT APR TOTAL FEES - {$1100.00} {$1700.00} {$2900.00} XXXX {$250.00} Date Description Category Amount XXXX XXXX Returned UNCATEGORIZED - {$1100.00} XXXX XXXX Thank You Web Credit Card Pay ... {$1100.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$19.00} XXXX XXXX Automatic Thank Credit Card Pay ... {$31.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$19.00} XXXX XXXX Automatic XXXX Credit Card Pay ... {$31.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$19.00} XXXX XXXX Automatic Thank Credit Card Pay ... {$32.00} APR XXXX Overdraft Interest Charge Finance Charge - {$20.00} APR XXXX Automatic Thank Credit Card Pay ... {$31.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$19.00} XXXX XXXX Automatic Thank Credit Card Pay ... {$33.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$20.00} XXXX XXXX Automatic Thank Credit Card Pay ... {$33.00} XXXX XXXX Overdraft Interest Charge Finance Charge - {$20.00} XXXX XXXX Automatic Thank Credit Card Pay ... {$33.00} XXXX XXXX XXXX Credit Card Pay ... {$2.00} XXXX/XXXX/XXXX Overdraft Interest Charge Finance Charge - {$20.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX/XXXX/XXXX Automatic Thank Credit Card Pay ... {$33.00} XXXX/XXXX/XXXX Pxn UNCATEGORIZED - {$2.00} XXXX/XXXX/XXXX Overdraft Interest Charge Finance Charge - {$21.00} XXXX/XXXX/XXXX Automatic Thank Credit Card Pay ... {$33.00} XXXX/XXXX/XXXX Overdraft Interest Charge Finance Charge - {$20.00} XXXX/XXXX/XXXX Automatic XXXX Credit Card Pay ... {$34.00} XXXX/XXXX/XXXX Overdraft Interest XXXX Finance Charge - {$21.00} XXXX/XXXX/XXXX Automatic XXXX Credit Card Pay ... {$34.00} XXXX/XXXX/XXXX Overdraft Interest Charge Finance Charge - {$21.00} XXXX/XXXX/XXXX Automatic Thank Credit Card Pay ... {$28.00} XXXX/XXXX/XXXX Overdraft Interest Charge Finance Charge - {$15.00} XXXX/XXXX/XXXX Chkg Odp UNCATEGORIZED - {$1300.00} XXXX/XXXX/XXXX Chkg Odp Uncategorized - {$1300.00} DETAILS Appears on your JP Morgan Chase Bank ( CREDIT CARD ) statement as CHKG ODP XXXX on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation