Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (MN)

I have been a Chase personal checking customer for barely over a year now, and they have used it as my primary checking account for my employment direct deposit/tax refunds/mobile deposits and as the primary account to pay all my bills. l have received direct deposits from my job biweekly ever since I opened this account, and have actively used it to pay my bills. On XX/XX/year>| had a dispute claim I filed earlier get reversed in the middle of the night for the amount of {$260.00} from XXXX, which resulted in my checking account going negative. Ever since this day I have had several other unexplained/unwarranted fees on top of other separate dispute claims reversed within the past couple of days after XX/XX/year>. I called Chase customer service immediately on XX/XX/year> and spoke to several representatives from the customer service department and the claims department, who both refused to provide explanation to these charges and fees that plummeted my main checking account to a negative balance of nearly - {$500.00}. Due to nobody assisting me or giving me at the very least an explanation to these reckless fees I filed a complaint online with the XXXX. I recieved a call barely an hour after filing this complaint with the XXXX  online on XX/XX/year> and had a voicemail left by a executive department representative named " XXXX who stated she recieved my complaint and will look into it and call me back. 
I was at first grateful and under the impression someone from Chase bank was willing to provide basic customer service but ended up very wrong when 2 days later which is today XX/XX/year> | called this same representative in the morning to get more information but when we finally connected I received nothing but a bureaucratic scripted response from this XXXX department representative named " XXXX '' who stated she recieved my complaint and will look into it and call me XXXX was at first grateful and under the impression someone from Chase bank was willing to provide basic customer service but ended up very wrong when 2 days later which is today XX/XX/year> I called this same representative in the morning to get more information but when we finally connected I received nothing but a bureaucratic scripted response from this representative named XXXX stating she was waiting for the claims department to provide her info, which I questioned again explaining to her that this is my main checking account that I pay my bills with, and am a blue XXXX worker living paycheck to paycheck barely getting by and needed access to my money to pay my rent which was due XX/XX/XXXX. This reckless and without notice barrage of fees and dispute claim reversals on my checking account resulted in a negative balance of again nearly - {$500.00} which is putting me at the brink of becoming homeless. I spoke to her respectfully but at the same time seeking a very least understanding of my situation to explain and remove the warrantless fees that had at this point eaten up my tax refund which I received on XX/XX/year> as well as my {$260.00} Minnesota state rebate check given to low income individuals which I mobile deposited today XX/XX/year> and urgently needed access to pay my past due rent for my apartment, which I'm over a week late at this point. After explaining this I again was given the same scripted response from XXXX, which led me to request a supervisor who I hoped would provide a resolution but was given a rude and dismissive response by XXXX who barely muttered she would have a XXXX call me back today if available then hung up. This is the actions of a supposedly higher ranked XXXX department representative for Chase. I am being treated as a nuisance for trying to not become homeless. Barely XXXX hours later today XX/XX/year> I recieve a email and text that stated to contact chase support immediately to prevent account closure. I call customer service and am told my account is in the process of being closed without needing to provide a reason, and that my money in my account will be held for at least XXXX business days then " if any money left after review '' will be mailed to me. I am now blindsided by this predatory/unethical decision made my who I'm assuming is the representative named XXXX who claims to work for the XXXX office as retaliation. I had absolutely no warning or reason to even XXXX my main checking account, which again to reiterate I receive my employment direct deposit as well as just recently today received my state tax refund to is now being closed and my money held without explanation. The customer service department and the claims department both stated they don't have control or any information to provide to me and that I am unable to view my account statements online or transactions and am not entitled to review what is happening to all of my hard earned money that I desperately need to pay my rent and avoid eviction. I truly believe these events all occurred due to a power tripping reckless/careless representative who claims to be in the XXXX department retaliated against me for filing a complaint online and out of spite using her position with Chase bank XXXX XXXX my checking account without reason. This is again a couple of days after XX/XX/XXXX, when my rent and bills are due which I barely get by with my current jobs pay. This whole experience is not something any consumer should have to be dealing with considering how impactful their money is when relating to their ability to even survive. I understand the Banks security measures needed to be enforced for their reasons but they should NOT have the ability to without any discretion hold a consumers money without providing a tiny hint of why this is being done to begin with, considering it could very well need to have legal action taken. Consumers are beyond vulnerable to XXXX dollar bankers such as JP Morgan to disable access to their money without explanation is not something a supposedly equality preaching country such as XXXX should still allow to this day. This type of power imbalance is beyond predatory and a imbalance of power leaving consumers vulnerable to life altering consequences. XXXX needs to be implemented to protect the civilians basic human rights to at least require a bank to provide a hint of information to why they think they can without notice hold your money. I am now on the brink of eviction and homelessness due to the fact JP Morgan Chase Bank states they are allowed to withhold my money without any notice and not even required to provide a lick of reason for this action. I live paycheck to paycheck and have worked over XXXX hours a week consecutively just for my money to be withheld by a XXXX dollar bank company that has no restrictions to its power over their consumers. I am doing everything possible to seek legal action over this unacceptable predatory behavior that XXXX does not care enough to provide basic legal rights to consumers ability to live.