Consumer complaint received 2026-03-08 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: OH

Complaint narrative:
Dear Chase Executive Office, I am writing to file a formal complaint and request an investigation into multiple overdraft fees that have recently been assessed on my Chase checking account. I am a senior citizen living with a disability, and my primary source of income is my monthly Social Security Disability ( SSI ) benefit, which is directly deposited into my Chase account. My deposit averages approximately {$1800.00} each month. Recently, my account balance was impacted by an unexpected claim reversal from XXXX which caused my account to go negative. As soon as I noticed the issue, I contacted Chase customer service and spoke with a supervisor requesting assistance and a courtesy reversal of the overdraft fees due to hardship. My request was denied. Since that conversation, the situation has worsened. My account has now been charged XXXX overdraft fees totaling {$230.00}. Each time my account balance went negative, I made deposits to correct the balance as quickly as possible. Despite my efforts, additional fees continued to be added. More concerning is that my Chase account settings clearly show that my Debit Card Overdraft Coverage is turned OFF. According to Chases own policy displayed in my account settings, when this setting is OFF, everyday debit card transactions that would overdraw the account should be declined and not approved with an overdraft fee. However, Chase authorized several small transactions and then assessed {$34.00} overdraft fees for each one. This appears to contradict the overdraft policy provided in my account settings and raises serious concerns regarding improper authorization and fee assessment. I also visited my local Chase branch to resolve this matter. Instead of reviewing or correcting the issue, I was advised to open a new account. I explained that this is not a customer error but appears to be a banking error regarding how these transactions and overdraft fees were processed. Because my debit card overdraft coverage was turned OFF, the transactions that caused the overdrafts should have been declined rather than authorized with fees. Given that I am a senior citizen living with a disability and rely on my Social Security disability benefits for my basic living expenses, these repeated overdraft charges have created a significant financial hardship. I respectfully request the following : A full investigation of my account activity and overdraft fee assessments Immediate reversal of the seven overdraft fees totaling {$230.00} Written documentation explaining how these transactions were authorized when overdraft coverage was disabled Assurance that additional improper fees will not continue to be assessed Please treat this letter as a formal request for investigation under Chases fair banking and customer hardship review policies. If this matter can not be resolved promptly, I will proceed with filing and pursuing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX so that this matter may be reviewed by the appropriate regulators. I appreciate your prompt attention to this issue and request written confirmation of the resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation