Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

I made a one-time payment to XXXX online on Sat. XX/XX/2018 for {$140.00} and another one-time payment to XXXX XXXX bank for {$37.00}. At the time there was more than enough to pay both bills. On Wednesday, XX/XX/2018 a check cleared for {$510.00} ; which I did not have enough to cover. I received a notice by Chase Bank that my account was overdrawn at XX/XX/2018 XXXX XXXX. However, instead of 1 overdraft fee, I received 2 overdraft fees and 1 returned payment fee on XX/XX/XXXX. Each fee was {$34.00} for a total of {$100.00} on overdraft fees. 
I contacted Chase Bank on XX/XX/XXXX at XXXX XXXX to ask why there was not 1, but 2 overdraft fees and 1 return payment fee, since I have opted out of overdraft protection and there was only 1 item paid that day. I was told by a supervisor named XXXX from the XXXX, Ohio office that all business transactions paid on the weekend are paid the next business day. This made no sense as the XXXX XXXX payment was returned on XX/XX/XXXX, not XX/XX/XXXX and according to XXXX payment was made on XX/XX/XXXX.  Moreover, the next business day was MondayXX/XX/XXXX, not the XX/XX/XXXXt. Not getting any satisfaction and being told he could not reverse the 1 overdraft fees and the 1 returned payment fee, I insisted on speaking to a manager named XXXX from the same office. XXXX confirmed XX/XX/XXXX was not a bank holiday and gave me a completely different reason for the extra overdraft and returned payment fee. He explained that Chase Bank doesnt process payments necessarily as they come in and that they cash checks & purchases from the highest to the lowest, when they do decide to process payments. Even if this information was correct, which it was not, I asked the manager, "  then why were any payments made on the 2 lowest charges if I did not have overdraft protection and if there was no funds in the checking account? '' I was told that since I make payments every month, they decided to charge the accounts as recurring, auto-pays although I made a 1 time payment. According to the manager any purchase made monthly irrelevant of the day and amount is considered a recurring payment. This is ridiculous. If I buy pizza every month from the local Pizzeria, go food shopping to the same local supermarket every month, or make monthly purchases on XXXX, they, too would be considered a recurring payment. Actually, everything I was told was ridiculous and doesn't correlate to the evidence at hand. Payments were made or returned on XX/XX/XXXX, the check which caused the overdraft didn't bounce until XX/XX/XXXX at  XXXX. After spending 53 minutes, I was told there was no superior above XXXX and that no one could remove these charges period. Since phone calls are monitored, this information can be easily retrieved. 
I have no issue with the {$34.00} overdraft fee charged for the {$510.00}. I was hospitalized and could not pickup & deposit the check necessary to cover the check. However, I should not have been charged an overdraft fee for the XXXX payment and a returned payment fee for XXXX XXXX Bank because of manipulation and fraud. 

I have enclosed a copy of my XXXX bill with date of payment and also my XXXX bill which clearly shows I am not enrolled in auto pay. Plus a copy of XXXX XXXX XXXX statement and Chase email.