Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
My husband and I hold XXXX checking accounts and XXXX savings account with Chase. When we opened them all in XXXX, we were advised these accounts would be linked. As such, it would allow us to open the XXXX XXXX account for our main account DDA # XXXX ( which has my name and my husband XXXX XXXX XXXX. 
XXXX. On XX/XX/XXXX, this account was charged a service fee of {$25.00}. For the prior 4 years we were never charged a fee. When we called XXXX, they could not explain the fee and reversed it. The banker we spoke with suggested changing to Total Checking Account so we changed it. Still, we were advised all accounts were linked. 
XXXX. On XX/XX/XXXX account XXXX was charged a {$12.00} fee. This account is in my name and my son XXXX XXXX. This fee didn't make sense because all accounts were linked and had enough funds to avoid a fee. When I called Chase, again they could not explain the fee and reversed it. I did question another account ( listed in # XXXX ) because account XXXX had a higher balance but the one below in # XXXX had a lower balance and was not charged. The banker I spoke with wasn't sure why this happened but informed me the account below ( # XXXX ) was all set. 
XXXX. Last week, I noticed a {$15.00} fee on the checking account we had ( which is mentioned above in # XXXX ). It was a Total Checking Account and the fee could be avoided if minimum daily balance of {$1500.00} was maintained. This account is in my name only. With all accounts linked, this should have not been an issue. I was frustrated this was happening and emailed the Chase branch to express my frustration about this happening. I spoke with the XXXX RI XXXX XXXX ( filling in at the XXXX RI XXXX ) and she said that because I mentioned filing a complaint with the regulator, I would need to speak with the Branch escalation department. She also said that because I mentioned filing a complain with the regulator, they could close my account and send a refund check. Lastly, XXXX informed me that the day this was charged the balance was below {$1500.00}. But the day I was charged the balances between all accounts was well above minimum balance. 
XXXX. I called yesterday to request to transfer funds out of account shown in # XXXX as well as our savings account. These funds were moved to acct XXXX. I did this to avoid continuing to receive these arbitrary fees Chase can not explain. They immediately purged the accounts so I no longer have any access to the statements or evidence of the arbitrary fee they charged. Any accounts I have held elsewhere have always maintained statements for a period of time as supporting documentation for the account holder. XXXX 's business practices seem suspicious given the circumstances of what is happening here. 
XXXX. Lastly, my husband XXXX XXXX has a checking account in his name only. This will have to be opened as a complaint in his name. But it is important to note that he receive at least XXXX fees on his account. Similarly, this account was meeting the requirements and when we spoke to Chase they once again couldn't explain the fee but reversed some but not all fees. For the remaining fees he was informed that the branch escalation team would reach out. Someone did but declared he would not reverse the remaining fees. However, this representative also could NOT explain the fees. 
NOTE XXXX : For XXXX years, we were never charged any fees. Now, suddenly we are being hit with all these miscellaneous fees which the bank can not explain. 
NOTE XXXX : After speaking with XXXX XXXX XXXX, someone from Chase has tried calling twice. But I am only able to call and speak with this XXXX rep. I have left a long message from her but have not heard back. I would prefer to formally file a complaint with CFPB in an effort to reverse the remaining fees as well as document these unfair business practices.

Company response to consumer: Closed with monetary relief