Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 Chase Bank Subject : Formal Complaint Regarding Unwarranted Overdraft Fees, Subscription Charges, and Unauthorized Practices Dear Chase Bank, I am writing to express my serious concerns regarding several actions and charges that I believe to be both inappropriate and unfair. I have been a customer of Chase for a significant period, and I am deeply disappointed by the recent treatment of my account. Unauthorized Overdraft Fees : For the past several weeks, my savings account has been charged ridiculous overdraft fees. I have never signed up for an overdraft protection service, nor have I ever provided my consent for any such service to be applied to my account. It is my understanding that overdraft fees are typically only applied when a customer has explicitly agreed to such a service, which was not the case with my account. Furthermore, I do not appreciate the repeated nature of these charges, which have significantly impacted my finances. Given that I did not authorize these charges, I believe they are unlawful and in violation of consumer rights. Unfair Business Practices : Chase is profiting from the money deposited into my savings account, earning interest and engaging in trading with the funds I have stored with your bank. As such, it is unreasonable to then penalize me with additional fees, especially when I never requested any overdraft protection in the first place. The practice of charging customers excessive fees when the bank itself is benefiting from the funds in their accounts should not be allowed. The charges do not reflect good faith business practices or respect for your customers. Subscription Charges : In addition to the overdraft fees, I am currently disputing several subscription charges that were applied to my account. I have not authorized these charges and request that they be fully investigated and removed from my account immediately. I expect a full refund of the overdraft fees charged, along with any related fees, and a resolution to the subscription charges dispute. If this matter is resolved promptly, I am willing to bypass litigation and consider this issue closed. However, if the funds are not returned to my account and the charges are not rectified, I will be forced to take further action and pursue legal recourse in court, including seeking compensation for any costs incurred as part of this lawsuit. Please note, I NEVER requested Chase to pay any charges on my behalf. I am fully capable of managing my account and finances without unnecessary interference from your bank, and I am entitled to fair treatment under consumer protection laws. I request that you review my account immediately and issue the necessary refunds, as well as correct any errors associated with unauthorized services or charges. Please provide a written response within [ insert number of days, e.g., 14 ] days of receiving this letter. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation