Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding overdraft fees assessed by JPMorgan Chase on my checking account. Chase charged me a total of {$400.00} in overdraft fees. After I raised the issue, Chase refunded only {$100.00}, leaving {$300.00} in fees still charged against my account. I am seeking a full refund of the remaining {$300.00} and a formal review of how these fees were assessed. I recently returned to the workforce after a prolonged period of unemployment and have been working to regain financial stability. That transition has involved catching up on obligations, rebuilding cash flow, and trying to restore a normal financial footing after a difficult stretch. In that context, these fees were especially damaging. Instead of helping me stabilize, Chases fee practices compounded the hardship. What is particularly troubling is that several of the overdraft fees were grossly disproportionate to the underlying transactions. Based on my account activity export, Chase assessed {$34.00} overdraft fees on transactions including : * a {$7.00} transaction * XXXX separate, seemingly duplicate {$13.00} transactions * a {$6.00} transaction * a {$6.00} transaction * a {$19.00} transaction * a {$21.00} transaction * a {$27.00} transaction In several instances, the {$34.00} fee was far greater than the transaction it purportedly covered. A {$34.00} fee on a {$6.00} or {$7.00} transaction is not reasonable by any common-sense standard. When the fee is XXXX, XXXX, or even XXXX times the amount of the item, it stops looking like a protective banking service and starts looking punitive and exploitative. I also transferred funds into the account in an effort to cure the negative balance and bring the account current. Even so, Chase still imposed hundreds of dollars in fees and then offered only a partial refund. Returning {$100.00} out of {$400.00} is not a meaningful resolution. It does not address the disproportionality of the fees, the financial hardship caused, or the broader fairness issue. I have maintained a relationship with Chase in part because I believed banking with a large, traditional institution would offer stability, sound judgment, and fair treatment during difficult periods. I have wanted to continue that relationship, at least in the interim and ideally longer term, because of the perceived security and establishment that comes with a traditional bank. This experience has seriously undermined that trust. I am asking for the following resolution : XXXX. A full refund of the remaining {$300.00} in overdraft fees. XXXX. A transaction-level explanation of how each fee was assessed. XXXX. A review of whether Chases overdraft practices were applied fairly and reasonably in light of the amounts of the underlying transactions and my effort to bring the account current. These charges were excessive, disproportionate, and harmful. I am asking for a full corrective remedy.

Company response to consumer: Closed with explanation