Consumer complaint received 2025-11-21 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:
A civil XXXX was served on the bank on XX/XX/year>. When the bank processed it on XX/XX/year>, they overdrafted the account instead of leaving the automatic protected minimum required by XXXX XXXX. The account went negative and the bank charged multiple overdraft fees across XXXX business accounts, totaling {$1000.00} to date. The levy later appeared with a new date of XX/XX/year> without explanation. I contacted the XXXX department, XXXX department, and sent secure messages but received no response. The handling of the levy and the fees has caused serious financial hardship. 

I. LEGAL VIOLATIONS XXXX. Violation of California Code of Civil Procedure XXXX Automatic Minimum Exemption California law prohibits a bank from reducing an account below the protected minimum amount when processing a levy : Statutory text : " A deposit account is automatically exempt from levy in the amount of the Minimum Basic Standard of Adequate Care ( MBSAC ) The financial institution shall ensure the debtor retains the exempt amount. '' ( Source : https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? XXXX & lawCode=CCP ) Chase violated XXXX XXXX by reducing my accounts below XXXX XXXX far below the XXXX amount. 

XXXX. Violation of California Code of Civil Procedure XXXX ( a ) This statute mandates that banks XXXX not collect, deduct, or offset any amount beyond what is ordered in a levy : Statutory text : " A financial institution served with a withholding order shall not take any action to collect, offset, or deduct any amount from the judgment debtors account other than as ordered. '' ( Source : https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? XXXX & lawCode=CCP ) Chase violated this by : Deducting overdraft fees directly caused XXXX the levy. 

Allowing post-levy transactions to push the account further negative. 

Re-posting the levy on XX/XX/XXXX, generating additional negative balances. 

XXXX. Violation of California XXXX XXXX XXXX Duty of Ordinary Care Banks must exercise ordinary care when executing levies : Statutory text : " A bank shall exercise ordinary care when handling legal process, including levies and garnishments. '' ( Source : https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? XXXX & lawCode=FIN ) Chase failed its duty by : Failing to apply mandatory exemptions Allowing the account to be overdrawn XXXX to place the account on legal-process hold Re-posting the levy with different dates Ignoring multiple requests for investigation XXXX. Violation of Federal CFPB Regulations ( XXXX XXXX XXXX Regulation XXXX ) Federal law prohibits financial institutions from assessing fees caused by legal-process holds beyond the customers control. 

Fees resulting from a banks legal process handling error are considered improper under Regulation XXXX. 

XXXX. DAMAGES SUFFERED As of today : Total Overdraft Fees Charged by Chase : {$1000.00} Additionally, Chases unlawful actions have prevented me from paying necessary expenses and have caused : Multiple late fees on credit obligations Inability to purchase XXXX and XXXX medications required daily for my child Inability to maintain stability for my wife, who suffers from a XXXX XXXX XXXX, a history of XXXX XXXX, and requires daily medication Significant harm to our small family business that relies on cash flow to operate These actions have placed my family in dire financial and medical distress. 

XXXX. DEMAND FOR IMMEDIATE REMEDY Pursuant to applicable federal and California XXXX, I demand the following within XXXX business days : XXXX. XXXX reversal and refund of all overdraft fees : XXXX : {$1000.00} XXXX. Restoration of all negative balances to {$0.00} XXXX. Written explanation detailing why XXXX XXXX exemptions were not honored XXXX. Written confirmation that no further fees will be assessed If this matter is not resolved immediately, I will pursue : A formal written demand for damages under CA Civil Code CFPB escalation DFPI enforcement escalation Private legal counsel for statutory damages Potential civil action for negligence, breach of statutory duty, and bad-faith processing of legal process Since submitting my complaint, I have confirmed clear statutory violations by Chase Bank XXXX XXXX. Chase violated California XXXX XXXX, which mandates an automatic minimum exempt amount when processing civil levies. Despite this, Chase reduced my accounts below XXXX. 

XXXX. Chase violated XXXX XXXX ( a ) by deducting and offsetting funds not authorized by the writ, including overdraft fees directly caused by the levy. 

XXXX. Chase violated California XXXX XXXX XXXX, which requires banks to exercise ordinary care when executing a levy. Chase failed to apply exemptions, failed to place proper holds, and re-posted the levy improperly. 

XXXX. Total overdraft fees assessed now total {$1000.00}, across XXXX business accounts, all tied to Chases improper levy handling. 

XXXX. My wife and child have medical conditions requiring ongoing daily medication, and Chases actions have directly resulted in inability to pay for these needs. 

I request that the agency require Chase to : XXXX full refund of all overdraft fees Restore negative balances Provide written explanation of why XXXX XXXX exemptions were ignored Implement corrections to prevent further harm

Company response to consumer: Closed with monetary relief