Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Chase regarding {$310.00} in overdraft fees that were charged to my account under circumstances I believe to be unfair and predatory. My account initially went into overdraft due to a transaction, but as I made deposits, Chase continued charging me additional overdraft fees, keeping my account in the negative and compounding the charges. 

Back in XX/XX/XXXX, I specifically requested to have overdraft protection turned off on my account. At the time, Chase never informed me that the overdraft protection they were disabling only applied to debit card purchases and not to scheduled auto payments. I was led to believe that overdraft protection was entirely disabled on my account. However, during todays call, I was told that my overdraft protection only applied to my debit card and did not cover auto paymentsinformation I was never given in XX/XX/XXXX. 

Ironically, Chase recommended I cancel my debit card to prevent further overdraft charges, yet my debit card had already been canceled due to a fraud alert before these charges occurred. This means the overdraft fees were applied without my debit card even being active, further proving that Chase failed to prevent overdrafts as I had originally requested. 

Throughout today, I spoke with multiple departments at Chase. Initially, I was told that nothing could be done, then that three of the fees could be reversed, then that nothing else could be refunded, and that I should call back to speak with another agent. After speaking to multiple agents, I was transferred to collections, who told me that because I had previously disputed a {$7.00} charge about a month ago, I could not file for an overdraft fee reversaleven though this was entirely unrelated. I was then transferred to claims, who informed me that my prior dispute had no bearing on my ability to request a refund. However, they claimed that the maximum refund I could receive was only the remaining negative balance of {$49.00}, meaning I would still lose nearly {$160.00} due to Chases refusal to correct their mistake. 

At no point did I ever receive a notification from Chase that my account had gone into overdraft. Had I been notified, I could have immediately covered the balance to prevent further fees. Alternatively, had Chase actually disabled overdraft protection as I requested, my transactions would have simply been declined, allowing me to make payments manually instead of unknowingly racking up predatory overdraft fees. 

The reality is that Chase allows accounts to go into overdrafteven when customers have explicitly requested to opt outso they can exploit this system and charge customers hundreds of dollars in fees. Chase has admitted that my XX/XX/XXXX request to disable overdraft protection is on record, yet they refuse to take responsibility for their misleading and predatory practices. 

I am formally requesting that all overdraft fees be refunded, as I was never properly informed that my overdraft protection did not apply to auto payments, and I never consented to this service. Chases handling of this matter has been inconsistent and unacceptable, and I expect immediate resolution.

Company response to consumer: Closed with explanation