Consumer complaint received 2026-05-13 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:
Due to the fact that I manage my ( 2 ) Disability Benefits, Veterans and Social Security, from my home office, over the last 12 months, I keep an accurate record of my account spending and balances throughout the entire month. The reason that I do this is because as a former XXXX XXXX XXXX a XXXX XXXX XXXX XXXX for over 8 years, and a former XXXX XXXX XXXXXXXX for over 4 years, I am very experienced and skilled in accounting procedures and maintain those records from home. Having to file a previous complaint with the Consumer Financial Protection Agency, concerning matters of my Social Security Benefits being compromised, financially, by having shortages detected, on several occasions, monthly, I elected to request that my Social Security Benefits be transferred over into my J.P. Morgan Chase Checking Account. By enjoining my Veterans and Social Security Benefits into my Chase Checking Account, I would be more trusting knowing that my benefits would become more secure and without any sort of financial issues of possible and alleged fraud taking place, since I have had my Chase Checking Account for over 10 years. However, over the last few months, possibly since XXXX XXXX XXXX I have experienced my benefits being allegedly lowered a nd shortened, from my Home Office Accounting Records, by sums of XXXX XXXX XXXX XXXX XXXX XXXX As a result, my Chase Checking Account and my Home Office Accounting audits have not been balanced, because of the alleged shortages where benefit incomes are either not being accurate in terms of what actual monies are recorded, in my opinion. In my opinion, I believe that one or two factors have taking place, every month, regarding my ( 2 ) disability benefits. One, is the belief that someone, in the digital process, is committing acts of fraud, by using the computer to allegedly record my benefits, on a consistently monthly basis. By this process, every beginning of the month the computer will accurately record the exact dollar amount of regular benefits, digitally ; however, monies are being allegedly extracted, in small dollar amounts, but not recording any monies taken, because the fraudster ( XXXX ) counts on my never looking at my Chase Statements, on a monthly basis. However, the alleged fraudster ( XXXX ) do not realize that I keep accurate accounting records at my home office, down to the very XXXX. This is one way, in my opinion, that I believe someone is extracting benefit funds from my checking account. Or Two, in my opinion, I believe that an alleged fraudster ( s ) is taking monies from my checking account, right after Chase produces their monthly Statements, usually by the XXXX of every month. I believe that the alleged fraudster ( s ) counts on, again, that I never check my accounting statements from Chase, online, when I don't really need to, because I keep accurate record keeping at my office. For this reason, the alleged fraudster ( s ), in my opinion, believes that they can take advantage of extracting funds from my checking account, after Chase digitally records statements, because I have paperless statement features, online. Because of any of these ( 2 ) factors alleged, I believe that the fraudster ( s ) believe they have a good chance of covering up the theft and recovering, by creating and sending me emails alerting me that my account has " Insufficient funds '' in my account, and I am charged {$34.00}, each time for transactions that I protect by having " Overdraft '' feature with Chase. So, the alleged fraudster ( s ) shortens my checking account, either at the beginning of the month, by digitally recording my benefit funds accurately, on regular monthly basis, knowing exactly what those benefits are, but allegedly extracting small amounts of these funds illegally. Thus they believe they are somehow benefitting from the alleged theft by charging me insufficient funds fees in order to cover-up the fraud, while Chase sees and believe that my account is being recorded and reported as insufficient, which is not the case, because I have the exact balance recorded in my office. Or, two, the fraudster ( s ) are allegedly waiting until Chase put ( digital ) reports of monthly statements, on or around the XXXX of every month, whereby they allegedly believe that since I have not been checking my account, afterwards, would be the perfect time and opportunity to allegedly extract funds from my checking account, and create insufficient funds alerts, via emails, in order to cover-up factors of theft in which Chase would never suspect. Either way, in my opinion, I believe that the alleged fraudster ( s ) are covering up their theft, now on a monthly basis, by following patterns of thinking that I am not concerned about my benefit funds, because they are being recorded the same every month ; however, they are not factoring in that I keep close eyes on my spending and balances monthly with accuracy. An incident had just occurred, by this action on or around XX/XX/XXXX, when I purchased food from my local XXXXXXXX XXXX XXXX XXXX XXXX for a certain purchase amount. That afternoon, I received an email alerting me that I had, once again, " Insufficient Funds '' from my checking account. After I returned to my Home Office and recorded my new purchase from XXXX XXXX XXXX XXXX and available balance, my account was once again " Short, '' After noticing this email I immediately alerted Chase by email to the Fraud Division, explaining that I just received an alert for insufficient funds. Reason is, because I had initially alerted Chase Fraud Division, earlier, about the incident discovered, and explained to them that " I Expected This Would Would Happen, '' once again, that funds were allegedly being extracted from my checking account. At this point, I am waiting on Chase to send my ( 6 ) months of Statements, because I am not really comfortable that the alleged fraudster ( s ) would not have an advantage of intercepting my request and digitally record what is reported on the online account, instead of getting them from Chase Fraud Division. I truly trust Chase Fraud Division to investigate this matter fully and assist with exposing any alleged fraudster ( s ) with theft of my benefits, as well as prosecute that person to the full extent of the law. Chase have always been there, in the past, for my overall needs, especially circumstances like this. I am sure they will continue doing a good job in protecting me and all account holders from crimes of fraud. I count on them each and every day. In conclusion, initially, I have been in contact with Chase Fraud Division, since this incident emerged. I also explain to them the reason that I do not check my account regularly, because I am an experienced bookkeeper, from my former businesses, and I always audit my accounts from my home office, until discrepancies arise. nth when they realize that I am not checking my Chase Checking Account Statement each month.

Company response to consumer: Closed with explanation