Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/year>, I received a telephone call from Chase Investigative Services advising me that they received the complaint from CFPB case number XXXX, concerning the fraud report. At this time, I am waiting for the requested ( 6 ) month of statements for my accounting audit comparison with my in-home bookkeeping accounts. I am sure that Chase will send the statement to my home office, sometime this week or next. No problem. However, I would like to alert CFPB in connection to CFPB Case XXXX, and for a third time, within the last three months, I have been receiving strange emails from what appears to be Chase, alerting me to potential and possible " Scamming '' information and how fraudsters are allegedly carrying out their thefts, as warnings. The main reason that I am submitting this particular new complaint, is the fact that I've become skeptical and highly concerned about these notices, within the last three months of receiving these emails, warning me of the possibilities. Due to getting these particular emails, right after receiving them, I have been discovering my checking account funds becoming lowered, allegedly, by fraudster, prior to the statement dates. In my opinion, I believe that these alleged " Fraudster ( s ) '', after getting these notices, will, once again, attempt to extract funds from my checking account and hit me with " Insufficient Funds '' and charged me with " Overdraft Fees '' in order to allegedly cover-up the fraud. In my opinion, I truly believe that these emails concerning scamming alerts are sent to me, in order to distract me and throw me off from detecting that allegedly the fraudsters are attempting to extract funds from my account again. This is because, as of today, after checking my email : XXXX, I received yet another alert notice who appears to be from Chase concerning potential " Scamming '' information. Because of getting another alert such as this, today, I believe that my checking account shall be in the process of being lowered, once again, allegedly, by fraudsters, when my home office account clearly shows accurate funds from everyday spending and balances, at my office. At this point, after getting this latest notice, I anticipate that the alleged fraudsters will attempt to, once again, extract funds from my Chase Checking account and charge me for " insufficient funds, '' when my records show a surplus, instead of a minus in my account, under documentation proof. In my opinion, I am informing CFPB as well as anticipating that funds will allegedly be extracted from my account, following my automatic debits to the creditors of XXXX XXXX XXXX, XXXX loan Company and my XXXX Investment Accounts. This appears to be the periods that I will receive, as in previous months, " XXXX Funds '' notices from Chase and Overdraft Fees will ensue, before the end of the month, prior to my ( XXXX ) scheduled benefits hit the banks computer, when actually, my records from XXXX XXXX XXXX, will show a reported surplus balance, not any shortages. In conclusion, I have informed Chase, in a previous email, when they are ready, that I would forward over and send documentation of my bookkeeping records as proof of evidence, showing my spending and monthly ending balances.

Company response to consumer: Closed with explanation