Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

To Whom It May Concern, My Name is XXXX XXXX, and I've been a Chase account holder for nine years. Being XXXX, a father of XXXX-year-old, a XXXX XXXX, and a contributor to society ; life has not been easy. The past year, I've struggled after leaving a job due to a hostile work environment ( which is illegal since its constructive termination ), struggling to make ends meet driving XXXX  while managing said position as well as attempting to balance XXXX XXXX XXXX XXXX. Thinking that my bank would be able to help me out, I contacted Chase numerous times whenever I had a crisis in hopes that they would be able to give me a break. Unfortunately, writing a complaint on the CFPB is the only way for someone to reach out to me offering help even though their solution is always something that doesn't alleviate the situation. 

I recently learned that Chase Bank charged me over {$3000.00} in NSF, ATM, and SP fees From XX/XX/XXXX-XX/XX/XXXX.  Much of these fees are indeed due to hardships ; however, I was never aware of some of these until they showed up on my account. Big banks in America made over 6 billion in these fees last year ; Chase can't forgive 3K of it? 

Being honest, I am strongly considering terminating my business with chase. Since opening an account with XXXX XXXX, I've started to see a difference in regards to which banks value my business as well as works with me more. With XXXX XXXX, I never had to complain to the CFPB whenever I had an issue that I didn't sit well with ; unlike Chase, they take care of it in house, no questions asked. Chase has an opportunity to repair this relationship if Chase were to reconsider their consumer-unfriendly policies for my situation and decides to refund me most, if not all, of the money I've had to endure paying because of their ridiculous fees. 

Chase is only making the poor poorer with their ridiculous fees, and I don't see how they expect to profit when individuals can simply not pay the overdraft fees and let their account close and go into collections. One thing I've learned with collections is that the creditor usually fails to make a profit back from the debtor since the account is being sold for much less than the debt owed. 

All I am asking for is the money I paid back. I work hard ; I go to school while raising a child, and I dealt with financial situations out of my control. With everything that's going on with the pandemic and individuals such as myself not being able to maintain a stable income because of it, It's only fair chase uses my situation as a precedent of a bank that's giving back to those that supports them. 

Below are the financial hardships I experienced since XX/XX/XXXX - Attending School XXXX XXXX ( XX/XX/XXXX- Present ) -Leaving a XXXX XXXX  due to a hostile work environment ; constructively terminated from that job ( XX/XX/XXXX - XX/XX/XXXX ; I ALSO SENT DOCUMENTATION TO CHASE PROVING THIS ) - No Business as a XXXX XXXX  since Coronavirus restrictions ( XX/XX/XXXX- Present ) If Chase fails to refund me a majority of the fees charged, I will close my Bank Account this Upcoming may and refuse to do business with Chase moving forward.