Consumer complaint received 2025-07-31 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: OR

Complaint narrative:
In the last 3 months, Chase Bank prior to this month has charged me over a XXXX. Dollars and overdraft fees alone this month alone. My bank account is negative XXXX. Dollars in the last 5 days because of chase using their discretion. On my account and allowing them to sit here with their discretion to continue to overdraw, my account and then continue to charge me. It's {$34.00} every time. The thing they overdraw, my account, even though I have verbally on the phone and verbally in person, ask them, do not do this. I am on social security, XXXX and have low-income. I don't even get my full amount now. I will only be getting XXXX. Dollars for this month to make my bills because of chase and their discretion. What happened to the customer and the customers discretion? And the customer 's wishes, I love how I am. Don't get to choose what happens with my money, but my bank, it gets to choose. What happens to my money? My bank gets to choose that. And I am stuck paying them {$320.00} because they want to at their discretion, Allow my account to be overdrawn when I have asked over and over again for this not to happen. I have been with this bank for over 15 years. And this has only been an issue this last year, and I find it funny that it's only been an issue after chase has been Taken to court and sued for malpractices of billing. Never before have I had this issue. Now every time Prior to this, chase has always declined any transaction to my account. with an insufficient funds notice. I was specifically told by chase themselves that in order to stop this current issue, I needed to turn off overdraft protection. Which I specifically requested, and I specifically did in person at a bank. And yet, this issue has only grown worse. And now I'm being told that that wasn't even going to resolve the issue by yet another Chase Bank. I can't seem to get a straight answer out of anybody. They've also changed their policy to where now you can only get three overdrafts, reversed a month. Which I didn't know change, nor did I sign on to that or agree to that when I signed my contract with washington mutual before chase bought them out. I was promised and signed into a grandfathered right with chase. When they bought Washington, mutual out. So why is it that everything that I was told would not change with my account has been changed? And even more so, in the last year since chase has been sued, and why is it that chase is still doing this illegal practice, even though they've been sued for it, which is violating their court agreement they singed when they pleed out and settled out side the courts. So that they didn't have to go any further in court. Cause why would chase risk being futher investigated only to relize they are fruding hundreds of thounds of good people that with out us they would have nothing no power no money no bank. I've also been getting charged ATM fees even though I'm not using atms like I can go to a regular gas station or a store. And I can use my card there and then all of a sudden, I've got an ATM fee when I didn't even use an ATM, I literally paid at a freaking register using my card and chase won'reimburse those fees to me. Because i'm sorry, you can't pull XXXX XXXX dollars out of an atm.

Company response to consumer: Closed with monetary relief