Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

Greetings, My name is XXXX XXXX. I've been a Chase College Checking subscriber since I was XXXX ( 8 years ) and throughout that time used the account as my primary housing of income. Since XXXX of XXXX. I've accumulated over XXXX in overdraft fees. When calling support about this matter, I've been simply told that the system is unable to reverse such fees due to Chase having a policy that limits the reversals to a certain amount per customer. Although I will admit that much of these fees were due to bills and expenses I incur monthly, I simply want to let chase know that I've recently experienced a series of life experiences where my income, health and studies have been affected. This past XXXX, I was forced into what my current school, XXXX XXXX University calls a " financial hold ''. Due to my inability to pay a balance of XXXX, I was put in a payment plan where I am required to pay XXXX a month until XXXX of XXXX. During this hold, I was unable to attend classes until the balance was paid off. Before this hold, I didn't incur much overdraft fees from chase. Prior to the financial hold, I've had difficulties staying afloat since I losing a full-time job in XXXX of XXXX. Since then, I've have been driving XXXX full time. In addition to XXXX, I worked on a project with a local Apartment community that only lasted a month. Since XXXX of XXXX, XXXX has been a great way for me to make income, however, I often face financially related problems such as the instant payment option not working, payments posted after the overdraft deadline, and the fact that income is never guaranteed since I am paid a certain rate per ride. This has caused my account to occasionally overdraft since at times rent, car payments, utilities, business expenses, and food sometimes are posted before the money I made that night hits my account. In addition to this problem, living in Arizona doesn't make it easier since we don't observe daylight savings, therefore half the year the business day ends for half of the year at XXXXAST and the other half at XXXXAST. I also had an instance where I received my final check from the apartment project week late. Due to the negligence of that company, I was unable to pay bills such as rent without overdrafting my account. I was very sick briefly in XXXX this past year which led to a huge setback in generating income. Since XXXX doesn't provide sick pay for their dirvers, I simply had to endure this illness with the concern of having my car repossessed or being evicted from my apartment. I've simply given up in contacting support to see if there's anything that could be done since I only receive the same generic answer. I am writing this in today simply due to the fact that I feel that I am not being appreciated as a customer who's been with the bank since High School. I am aware that I've accepted many fees before this. I understand Chase needs to make money, but at the same time, I feel that XXXX in fees is simply a bit much. Although I was able to pay these fees off, the past month I've simply stopped paying bills and letting them go into either collection or paying them late. Its been hard for me, especially due to the fact that I am an expecting father and will be going back to school this upcoming semester. Im at the point where I am considering not doing business with chase any longer and only ask for a fair solution.