Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATE! THE ROOT EVENT AND SELF-CORRECTION On XX/XX/XXXX, my Chase XXXX Checking account ending in XXXX was overdrawn by approximately {$420.00}. I corrected this within hours by depositing {$620.00} cash at a XXXX ATM in XXXX, Florida at XXXX AM on XX/XX/XXXX. XXXX credited the deposit the next business day due to cutoff time policy and charged XXXX {$34.00} fees totaling {$100.00}. That single event has now generated {$780.00} in total overdraft fees across XXXX waves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wave XXXX ( XX/XX/XXXX ) : {$100.00} XXXX fees. Refunded XX/XX/XXXX after XXXX CFPB investigation. XXXX XXXX ( XXXX XXXX, XXXX ) : {$270.00} XXXX fees. Accumulated during XXXX XXXX investigation. XXXX refunded {$120.00} on XX/XX/XXXX with no explanation of the {$150.00} retained. XXXX XXXX ( XXXX XXXX, XXXX ) : {$200.00} XXXX fees. CFPB complaint marked as duplicate, never reviewed. XXXX XXXX ( XXXX XXXX XXXX ) : {$34.00} XXXX fee on {$2800.00} rent payment to Vibe Residences. XXXX XXXX ( XXXX XXXX XXXX ) : {$130.00} XXXX fees. XXXX XXXX {$21.00}, XXXX {$24.00}, XXXX XXXX {$14.00}, XXXX {$17.00}. XXXX XXXX ( XX/XX/XXXX ) : {$34.00} XXXX fee on XXXX FL XXXX XXXX {$8.00} purchase. XXXX charged : {$780.00}. Refunded : {$220.00}. Outstanding : {$560.00}. WHAT CHASE 'S OWN DATA PROVES Chase has reversed overdraft fees on account XXXX a total of XXXX times, totaling {$2300.00}, across XXXX separate reversal events documented in the official Chase account export XXXX. The single largest event was XX/XX/XXXX, when Chase reversed XXXX fees totaling {$570.00} in XXXX day without any CFPB complaint on file. Chase 's claim that refunds are limited or that no qualifying circumstance exists is directly contradicted by its own transaction record. The official Chase account export XXXX XXXX documents XXXX following reversal history on this account : XX/XX/XXXX : XXXX reversals = {$470.00} XX/XX/XXXX : XXXX reversals = {$130.00} XX/XX/XXXX : XXXX reversals = {$260.00} XX/XX/XXXX : XXXX reversals = {$200.00} XX/XX/XXXX : XXXX reversals = {$570.00} XX/XX/XXXX : XXXX reversals = {$100.00} XX/XX/XXXX : XXXX reversals = {$100.00} XX/XX/XXXX : XXXX reversals = {$400.00} XX/XX/XXXX : XXXX reversals = {$100.00} ( CFPB # XXXX ) Chase has never required a finding of bank error to issue these reversals. The claim that no qualifying circumstance exists for the current {$560.00} is not supported by the account 's own history. CHASE 'S WRITTEN ADMISSION OF SYSTEMIC HARM In responding to CFPB complaint XXXX, Chase stated XXXX during the review process it was unable to suspend or prevent overdraft fees from accumulating. This is an admission that the cascade is a designed system feature. Every consumer who files a CFPB overdraft complaint against Chase is guaranteed to accumulate additional fees for the duration of the review up to XXXX days with no ability to stop it. This is an abusive practice under XXXX XXXX XXXX ( XXXX ) regardless of contractual opt-in authorization. Chase 's XX/XX/XXXX CFPB response was issued the same day my XXXX and XXXX payroll deposit of {$2600.00} posted, bringing the account from negative {$600.00} to positive. The account had been in a deep negative balance for weeks while fees accumulated. Chase closed the investigation when the account recovered not when the consumer dispute was resolved. XXXX INDEFENSIBLE FACTS XXXX. XX/XX/XXXX : Chase refunded {$100.00} and charged a new {$34.00} fee on the SAME calendar day. This is documented in the transaction record. XXXX. XX/XX/XXXX : Chase charged {$34.00} on a {$2800.00} rent payment while holding {$390.00} in unresolved disputed fees on the same account. XXXX. XX/XX/XXXX : Chase refunded {$120.00} of {$270.00} with no written explanation of which fees were selected or why {$150.00} was retained. XXXX. The XXXX shows XXXX prior fee reversals totaling {$2300.00} yet Chase told the CFPB there is a limit on refunds and no qualifying circumstance exists. RELIEF REQUESTED XXXX. Full refund of {$560.00} in outstanding fees : {$150.00} Wave XXXX remainder ( unexplained retention ) {$200.00} Wave XXXX ( dismissed as duplicate, never reviewed ) {$34.00} Wave XXXX ( rent payment fee ) {$130.00} Wave XXXX ( XXXX fees while complaints pending ) {$34.00} Wave XXXX ( XX/XX/XXXX XXXX fee ) XXXX. Proper investigation of complaint XXXX ( incorrectly marked duplicate ). XXXX. CFPB enforcement review of Chase 's admission that its system can not suspend fees during active federal investigations a systemic UDAAP violation under XXXX XXXX XXXX. XXXX Review of Chase 's practice of issuing partial unexplained refunds in response to CFPB complaints while retaining the balance without criteria.

Company response to consumer: Closed with explanation