Consumer complaint received 2026-04-24 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: FL

Complaint narrative:
FOLLOW-UP COMPLAINT - ACCOUNT ENDING XXXX - CASCADING OVERDRAFT FEES This complaint follows a prior CFPB complaint filed on XX/XX/year>, regarding XXXX overdraft fees totaling {$100.00} on my Chase Total Checking account ending in XXXX. That complaint was resolved on XX/XX/year>, with Chase issuing a {$100.00} courtesy refund. However, the resolution was illusory. The original XXXX fees created a cascade of XXXX additional overdraft fees totaling {$270.00} that Chase assessed during and immediately after the investigation period. I am {$170.00} worse off today than I was before the original CFPB complaint was filed. FULL TIMELINE On XX/XX/year>, my account was overdrawn by approximately {$420.00}. I made a {$620.00} cash deposit at a Chase ATM in XXXX, Florida on XX/XX/year>, at XXXXXX/XX/XXXX, fully covering the negative balance the same night. Chase credited the deposit the following business day due to cutoff time policy and assessed XXXX overdraft fees of {$34.00} each, totaling {$100.00}. I filed a CFPB complaint on XX/XX/year>. Chase did not resolve that complaint until XX/XX/year>, XXXX days later. During that entire period, the {$100.00} in unresolved fees kept my account balance artificially depressed. Every transaction that cleared during that window did so against a balance that had been reduced by {$100.00} in fees that Chase had not yet acknowledged or reversed. This directly caused the following XXXX additional overdraft fees to be assessed : XX/XX/year> : - {$34.00} overdraft fee for XXXX XXXX XXXX card purchase of {$150.00} ( transaction date XXXX XXXX ) - {$34.00} overdraft fee for Cash App payment to XXXX XXXX of {$40.00} ( transaction date XXXX XXXX ) - {$34.00} overdraft fee for XXXX XXXX purchase of {$160.00} ( transaction date XXXX XXXX ) XX/XX/year> : - {$34.00} overdraft fee for XXXX XXXXXX/XX/XXXX payment of {$17.00} - {$34.00} overdraft fee for XXXX XXXX XXXX card purchase of {$12.00} ( transaction date XXXX XXXX ) XX/XX/year> : - {$34.00} overdraft fee for XXXX XXXX XXXX card purchase of {$23.00} ( transaction date XXXX XXXX ) XX/XX/year> : - {$34.00} overdraft fee for XXXX XXXX XXXX purchase of {$20.00} ( transaction date XXXX XXXX ) - {$34.00} overdraft fee for XXXX XXXX XXXX Company purchase of {$14.00} ( transaction date XXXX XXXX ) Total additional overdraft fees assessed : XXXX fees XX/XX/XXXX{$34.00} XX/XX/XXXX {$270.00} CRITICAL FACT : On XX/XX/year>, the exact same day Chase issued the {$100.00} refund for the original CFPB complaint, Chase simultaneously assessed a new {$34.00} overdraft fee for the XXXX XXXX XXXX transaction. Chase refunded XXXX prior fees and charged a new fee on the identical calendar day. Chase 's XX/XX/XXXX response stated the refund was a courtesy and not based on an error, and that no further refunds would be issued. This position was used to foreclose further relief while Chase continued to benefit from the compounding fee cascade its own XX/XX/XXXX-day delay enabled. Had Chase reversed the original XXXX fees promptly, or suspended overdraft fee assessment while the account was under active federal review, none of the XXXX subsequent fees would have been assessed.

Company response to consumer: Closed with explanation