Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

Complaint:
This bank has consistantly manipulated my direct deposits in order to charge fees. I have an online XXXX shop with direct deposits which can have deposits one to five times a week depending on sales. All deposits are submitted to bank between XXXX XXXX and XXXX XXXX and I am sent an email stating funds have been sent to bank in addition to the money shown on the funding page of my site showing when they remove from my shop account and send to bank. 
When I have suffecient funds already in bank, when there would be no way to manipulate deposits and charges, checks etc Chase will deposit these direct deposits prior to any other charges EVERY TIME My bank history shows this to be consistant but when I am going to be short for a charge if the deposit is not deposited first THEY HAVE BEEN CONSISTANTLY CHARGING ME FOR ANY CHECKS OR WITHDRAWLS PRIOR TO MY DIRECT DEPOSIT. And ONLY when they can be sure to charge me a fee if they do not deposit first. Case in point is a fee I acquired on XX/XX/2019. I had apx {$95.00} available that morning. I got my confirmation from my XXXX account that funds where sent to bank at XXXX XXXXm. I had a check written to the XXXX XXXX XXXXXXXX for utilities for {$120.00} in which I know was not deposited until after XXXX to our town of apx 300 people at the small local bank. 
I check at apx XXXX XXXX  on XX/XX/XXXX and there is no withdrawl but the deposit was shown as pending. I check again at apx XXXX this XXXX and Chase has taken the check and processed it first and the direct deposit after!! AGAIN!! But both where showing as processed. I once again, I have to do this time to time I live on SSI and my income is low and so I live hand to mouth and pray I sell something on XXXX to eat all month. I wrote them and told them to STOP CHEATING ME and manipulating. The refused to refund charge. In addition they have now moved the direct deposit not only behind check and the service fee of {$34.00} but it is now showing as pending again along with another direct deposit that was processed on XX/XX/2019 at XXXX : XXXX But I can go back, month after month, for two years and every time I have sufficient funds and there is no way to charge me a fee, my direct deposits from XXXX are processed prior to any other charges!!! 
This is something Chase was sued for. It is unethical and maybe not illegal maybe it is. They should not have the ability to process a deposit however they want, when they want in order to charge fees. If they deposit the direct deposit prior to charges 99 percent of time but yet don't only if they can XXXX me that is deceptive practice. I should be able to count on the fact that my direct deposits will ALWAYS BE DEPOSITED THE SAME WHICH IS PRIOR TO CHARGES not be screwed by this corrupt institution. 
I want my fee returned and I want this bank to be told they can not do whatever the XXXX they want when they want to XXXX consumers. 
I have been getting these direct deposits over 2-3 yrs now on a weekly if not daily basis. This account is established and there is no reason for them to pend the amount only in order to charge a fee but not to pend it when they can not. 
Please help. 
I have over a thousand emails showing when my direct deposits are sent to bank but I don't know how to upload and save these or to attach them below. I am in my mid 60s and not very literate on computers or social media etc. I also have years worth of bank  statements online or daily records for at least several months in which you can see that when I have funds available and that there would be no way to XXXX a fee from me, they have ALWAYS deposited the XXXX direct prior to charges and that the only time this is not done is when I am short a few dollars here or there and depend on my direct deposit to be processed as it is all the other times, first before withdrawls. yet they don't and charge me fees. I can prove this over and over.

Company response to consumer: Closed with monetary relief