Consumer complaint received 2026-05-28 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:
NOT A DUPLICATE!! CONTINUATION OF ABUSIVE CASCADE FEES CHARGED AFTER PRIOR COMPLAINT CLOSURE AND DURING FEDERAL INVESTIGATION On XX/XX/year>, Chase closed my prior CFPB complaint # 6 ( XXXX ) without resolving any fees. On the SAME DAY ( XX/XX/XXXX ), Chase charged THREE NEW overdraft fees totaling {$100.00}. On XX/XX/XXXX ( the day before closure ), Chase charged THREE MORE overdraft fees totaling {$100.00}. New total : {$200.00} in fees charged while prior complaint was pending. This establishes a CONTINUATION PATTERN showing Chase charges fees specifically when federal complaints are pending. CRITICAL TIMELINE : - XX/XX/year> : Chase closes complaint # 6 ( labeled " closed with explanation '' but provided no explanation for {$150.00} retained from earlier wave, {$200.00} from duplicate marked wave, or any other disputed fees ) - XXXX XXXX XXXX : Chase charges {$200.00} in NEW overdraft fees ( same days complaint was closing ) - XX/XX/year> : OCC case XXXX is opened based on my correspondence WHAT THIS PROVES : Chase charged {$200.00} in NEW fees WHILE under federal investigation. This demonstrates : 1. Chase deliberately times fee charges to coincide with complaint closure 2. Chase continues predatory practices even after regulatory involvement 3. Chase is aware of federal investigations and charges fees anyway PAYCHECK TIMING PATTERN ( ALGORITHMIC PREDATION ) : I receive payroll EVERY THURSDAY at XXXX XXXX. Chase 's pattern : - Account goes negative mid-week ( Tuesday-Wednesday ) - Chase charges overdraft fees ( Wednesday-Thursday BEFORE payroll posts ) - My XXXX payroll posts Thursday ( + {$2600.00} ) - Account recovers to positive - Fees stop This week : - XXXX XXXX : Account became negative through normal spending - XXXX XXXX : Chase charged {$200.00} in overdraft fees ( 6 separate fees ) - XX/XX/XXXX ( Thursday ) : Payroll posted ( + {$2600.00} ) - XX/XX/XXXX : Account recovered to positive - No new fees charged after payroll This is not coincidence. This is algorithmic timing designed to maximize fees before customer can recover through payroll. EXPANDED TOTAL EXPOSURE : XX/XX/XXXX - XX/XX/year> = {$980.00} in overdraft fees across 9 separate waves Wave XXXX ( XX/XX/XXXX ) : {$100.00} Refunded Wave 2 ( XXXX XXXX ) : {$270.00} ( {$120.00} refunded, {$150.00} retained without explanation ) Wave 3 ( XXXX XXXX ) : {$200.00} ( marked " duplicate '' without review ) Wave 4 ( XXXX XXXX ) : {$34.00} ( charged on rent payment during dispute ) Wave 5 ( XXXX XXXX ) : {$130.00} ( charged while complaint pending ) Wave 6 ( XX/XX/XXXX ) : {$34.00} ( charged after hours ) Wave 7 ( XX/XX/XXXX ) : {$100.00} ( charged same day complaint # 6 closed ) Wave 8 ( XX/XX/XXXX ) : {$100.00} NEW Wave 9 ( XX/XX/XXXX ) : {$100.00} NEW PRIOR COMPLAINTS : # 1 ( XX/XX/XXXX, original ) # 2 ( XXXX, XX/XX/XXXX ) # 3 ( XXXX, XX/XX/XXXX ) marked " duplicate '' # 4 ( XXXX, XX/XX/XXXX ) closed XX/XX/XXXX without resolution # 5 ( XXXX, XX/XX/XXXX ) marked " duplicate '' # 6 ( XXXX, XX/XX/XXXX ) closed XX/XX/XXXX without resolution # 7 ( This would have been filed, adding more evidence ) # 8 ( THIS COMPLAINT ) Continuation after all prior closures OTHER REGULATORY ACTIONS : - OCC Case XXXX opened XX/XX/year> - Florida OFR complaint filed earlier - Multiple agencies now investigating VIOLATIONS : 1. CFPA Section 1031 Abusive conduct ( continued fees during federal investigation ) 2. Continuation violation Charging fees same days prior complaint closed 3. Algorithmic predation Timing fees to paycheck cycle 4. Regulatory evasion Marking valid complaints " duplicate '' 5. Bad faith Knowing about investigations and charging fees anyway

Company response to consumer: Closed with explanation