Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir, Madam I have been with Chase since XX/XX/XXXX-XX/XX/XXXX. I moved from XXXX to XXXX, XXXX XXXX, and did not want to change bank. There is no Chase ATM in XXXX where I live. So, the choices are either to go to the branches that are in XXXX or XXXX, or make deposits through cell phone. I used all three of these options. When I re-opened my account in XXXX in XX/XX/XXXX, in response to a piece of information the personal banker was giving me about overdraft fees, I let her know that I appreciate Chase having this service, that I have used it in time of need, but it has cost me a lot of money because of the various fees Chase charged me ; that I will try to stay clear of the overdraft protection program. So, when I deposited checks from my cell phone, I made sure that Chase acknowledges them before I start making purchase. I even, at times, called my contact at Chase to ask if Chase received the check, and how long it takes the bank to acknowledge a check so deposited. Her reply was " one day ''. However as my camera broke, and was out, I had to send the checks through US Mail. Again, also in this situation, I would call my contact, sometimes, at Chase to make sure that Chase deposited my checks. Prior to this, already when I put the checks through US mail, I would ask clerks, at the Post Office, how long it would take from my mail to be in XXXX. Their responses were always " a day ''. I would then wait one more day, or call my Chase contact to make sure my deposit was acknowledged by Chase before going out. So, by XX/XX/XXXX I estimated that if I sent a check through the mail to Chase, within two business day, the money should be available. In XX/XX/XXXX-XX/XX/XXXX, I had some unexpected expenses to face and re-instated the overdraft fees, as the personal banker told me I can do from a computer by myself. But still, the overdraft fees I was charged in XX/XX/XXXX seemed not totally justified. I called the banker I was in touch with at the XXXX branch, and asked her if she could waive those fees. She refused. I did not keep a good track record of my finances then, so I let those charges stand. In the early part of XX/XX/XXXX, my check was late in coming from the Workers ' Comp Board but I still have to run my errands, so I was charged overdraft fees. I called my Chase contact to explain to her the situation. She said she would waive only some of the fees. Which she did. During the course of my interactions withe her, I asked my Chase contact if she could give me an estimate as to how long it takes Chase to acknowledge receiving a deposit made through US Mail, she replied that she can not. 
As soon as I got the late check and two other checks that came thereafter, I went to mail them. So, it was a big surprise to me that on XX/XX/XXXX, when I checked my account, it was {$230.00} negative. I had deposited at least a total of {$880.00} from XX/XX/XXXX to XX/XX/XXXX. I immediately sent an email to my contact at Chase to express my surprise that my account is in the red and let her know that I will be filing a complaint with Federal authorities. It was early in the morning on XX/XX/XXXX. I then checked a few hours later, the overdraft fees were reduced to {$56.00}. The next day, on XX/XX/XXXX, Chase e-mailed me with two notices. of " Insufficient funds ''. I have received those notices in three months. The same day still, Chase acknowledged the latest of my deposits.This was a check of {$280.00} which I put in a US Post Office box on XX/XX/XXXX. 
I also would like to add that the Workers ' Comp Board does not make direct deposits to my bank. 
I firmly believe that Chase has engaged with me in unfair practices and want to push out, through its door because I am not an important customer of it. That is why it is charging me those fees that are largely unjustified. Even my contact will not tell me how long it takes for Chase to acknowledge receipt of a check sent through the mail. 
I will be grateful for any redress you may deem appropriate. 
'I thank you for your time and attention. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief