Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX i was hit with an overdrawn checking account close to XXXX dollars. I immediately contacted chase and i was given the run around. I as told that my account had overdraft, while i had no savings, this overdrawn was created based on withdrawing money from my checking account with a debit card and not a credit card. Then i was told maybe my internet was not working, and i needed to keep an eye on my account, i like to make few points : 1. I have had all my notifications on. all alerts by security team, fraud team and so on. 
I opted out of overdraft meaning that chase would deny any transactions not covered. Chase bank also states debit card transactions do not fall under overdraft These withdrawals was taken out using my debit card cash advance with a pin, Debit card cash transaction are immediate. meaning the money gets deducted and goes into a pending till bank process it. Meanwhile deducting it from available balance. 
Chase bank does not allow you to increase your withdrawal limit, so the consumer is stock and in times of emergency, we rely on atm that are not part of chase and also chase charges enormous amounts of fee for each transaction, I called the bank 6 times and my last call around XXXX XXXX finally the rep stated that the systems issue was the reason because it was not updating balances. I questioned her how can an account go into a negative of close to {$770.00} dollars and no one from chase does not flag it to confirm these transactions, deny transaction and while i rely on my bank to protect me from theft and so on. o that day i received about XXXX credit on XXXX fees that i was charged but still did not resolve my negative balance, on XXXX XXXX I had to borrow {$900.00} dollars from my husband and it came in form of a XXXX deposit to cover this overdrawn. I did not found out the extreme issues that chase was having till later and lack of transparency. My understanding is these alerts are put in place to make it easy to keep track tabs on balance, low balance and so on. All my alerts always been on. 
chase policy on cash advance with a debit card using you pen Dbit card cash advances differ from traditional loans and credit card advances. Thy ar not a loan in th typical sns. They are just a way for you to access cash or paper money. Whn you opt for a dbit card cash advanc, you'r ssntially withdrawing your mony from your chcking account. Unlik crdit card advancs, you can't gt an advanc for mor than you alrady hav in your account. 
when I called the next day i was boldly told i had no overdrawn, when i looked at my transaction chase manipulated my deposits so there would not show i was overdrawn so they can cover their oversight. I wrote messages, the inquiries went nowhere. My last message indicated that there were not going to handle this matter bc there was no overdrawn, I messaged and attached my statement showing that if they took all my deposit and minus all transaction they would exactly come to XXXX overdraw if the zell was not deposited. I still got no answer,. Finally in XXXX XXXXdue to a rep that took another complaint I received a call from some dept that was escalated to internal complaint. XXXX the person i spoke with first denied all the issues as we went over the items she stated " I CANT SEE ANY TRANSACTIONS FROM 2023 '' now i know those transactions are there. banks do not delete them they get audited and I am sickened by all the lie. Chase rather pay XXXX not to admit fault but not help a XXXX XXXX XXXX consumer with an overdrawn which was completely out of my hands, i think there is culture of XXXX. management covers other employees oversight. this was a huge loss for me and from day one they lied to me, they were not transparent and this is a norm. mistakes that favors the bank always are being covered even after clearly showing them. chase bullies middle class Americans bc they can. we have no where to go. the money used to pay chase was money saved for medications. there are lack of effective internal controls and insider abuse. my complaint maybe insignificant but also it could be an issue that the bank refuses to resolve,

Company response to consumer: Closed with explanation