Consumer complaint received 2026-05-27 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:
On XX/XX/year>, my account was overdrawn approximately {$420.00}. I immediately corrected this the same night by depositing {$620.00} via ATM at XXXXXXXX XXXX on XX/XX/year>. Chase charged three overdraft fees totaling {$100.00} on this single-night event, which was legitimate. However, from XXXX through XX/XX/year>, while I filed six separate CFPB complaints about the overdraft fees, Chase continued charging additional overdraft fees across six more waves : Wave XXXX ( XX/XX/XXXX ) : {$100.00} charged, later refunded Wave XXXX ( XXXX XXXX ) : {$270.00} charged ; {$120.00} refunded without explanation ; {$150.00} retained Wave XXXX ( XXXX XXXX ) : {$200.00} charged ; marked " duplicate '' complaint without review Wave XXXX ( XXXX XXXX ) : {$34.00} charged on rent payment while dispute pending Wave XXXX ( XXXX XXXX ) : {$130.00} charged across multiple transactions Wave XXXX ( XX/XX/XXXX ) : {$34.00} charged after close of business Wave XXXX ( XX/XX/XXXX ) : {$100.00} charged the same day Chase closed complaint # 6 Total charges : {$780.00} across 7 separate waves over 58 days in response to one single-night event I had self-corrected. KEY PATTERN CHASE 'S OWN DATA CONTRADICTS THEIR DEFENSE : Chase 's official account transaction export shows 68 overdraft fee reversals on THIS SAME ACCOUNT over the past 12 months. Yet in their CFPB response dated XX/XX/year>, Chase stated : " You can request up to three overdraft fee refunds in the current calendar year. '' This is demonstrably false. PATTERN OF SELECTIVE REFUNDS : Chase reversed 68 fees WITHOUT any complaint from me Chase denied refunds when I complained in writing Marked valid complaint ( XX/XX/XXXX ) " duplicate '' to avoid reviewing {$200.00} in fees Refunded only {$120.00} of {$270.00} ( Wave XXXX ) with zero explanation for which fees were selected or why {$150.00} was retained Charged a fee on my {$2800.00} rent payment ( XX/XX/XXXX ) while other disputed fees sat unresolved TIMING MANIPULATION : XX/XX/XXXX : Closed complaint # 4 investigation the same day my payroll ( {$2600.00} ) posted XXXX XXXX : Account remained overdrawn for 7 days with ZERO fees charged ( proves Chase CAN prevent fees ) XX/XX/XXXX : Charged three fees ( {$100.00} ) the SAME DAY they closed complaint # XXXX ( proves Chase CHOSE to charge them ) CHASE 'S WRITTEN ADMISSION ( From CFPB response XXXX, XX/XX/year> ) : " During the review process, we were unable to suspend or prevent overdraft fees from assessing while transactions continued to post to the account. '' This admission means : Every consumer with a federal complaint faces guaranteed fee accumulation with no ability to prevent it. This is abusive. VIOLATIONS : 1. CFPA Section 1031 Abusive conduct : Unable to prevent fees during federal complaint 2. Deceptive practices : False " 3-refund limit '' contradicted by 68 reversals in official data 3. Regulatory evasion : Marking valid complaints " duplicate '' to suppress review 4. Retaliation pattern : Reversed 68 fees without complaint; denied when complained 5. Timing manipulation : Closing investigation on payday ; charging fees same day closure Prior CFPB complaints : # XXXX ( XX/XX/XXXX, original ) # XXXX ( XXXX, XX/XX/XXXX ) # XXXX ( XXXX, XX/XX/XXXX ) marked " duplicate '' without review # XXXX ( XXXX, XX/XX/XXXX ) closed XX/XX/XXXX without resolution # XXXX ( XXXX, XX/XX/XXXX ) marked " duplicate '' # XXXX ( XXXX, XX/XX/XXXX ) closed XX/XX/XXXX without resolution This is complaint # 7 : Continuation of cascade after prior complaints were closed.

Company response to consumer: Closed with explanation