Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am the sole owner of XXXX XXXX XXXX ( Chase account XXXX ), which I use as a personal business entity and liability shield. This entity holds ownership interests in other businesses but operates independently and does not share financial responsibility for unrelated entities. While preparing my XXXX tax filings, I identified recurring and unexplained monthly fees ranging from approximately {$100.00} to {$200.00} being charged to my Chase business account. Upon further review, I determined that these charges had been occurring over multiple years. I contacted my Chase Business Relationship Manager, XXXX XXXX, to investigate the issue. During our discussions, he confirmed that my account had been set up in a way that caused it to be charged fees associated with other, unrelated business accounts. He acknowledged that this appeared to be an error on Chases part and could not explain why the accounts had been linked in this manner. The accounts improperly associated with my business include : XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXX has no operational or financial relationship with XXXX XXXX XXXX ( XXXX ). Additionally, XXXX XXXX XXXX does not directly own or maintain any financial relationship with XXXX XXXX ( XXXX ) that would justify the transfer or assignment of fees to my account. I never authorized any arrangement that would allow fees from other business entities to be charged to XXXX XXXX XXXX. These charges were applied without my knowledge or consent. On XX/XX/XXXX, Chase issued a reimbursement of {$100.00} labeled Fee Reimbursement. This action indicates that Chase recognizes, at least in part, that fees were improperly assessed to my account. However, this reimbursement is wholly inadequate relative to the total amount of unauthorized charges, which span multiple years. Based on my review, I estimate that the total improperly assessed fees are approximately {$1500.00}. A partial refund of {$100.00} does not resolve the issue or make my business whole. Despite acknowledging the apparent error, Chase has limited corrective action to this minimal reimbursement and the cessation of future charges. I was informed both by my Business Relationship Manager and my local branch that they lack authority to issue a full refund, and that such action would require higher-level approval. This issue has caused financial harm as well as administrative burden. I have had to spend significant time reviewing historical statements, identifying discrepancies, and attempting to resolve the issue with Chase. It has also complicated my tax preparation and financial recordkeeping, creating unnecessary uncertainty and additional effort. At this point, I consider these charges to be improperly assessed due to a significant error in how my account was set up and managed by Chase. Chase facilitated the misallocation of fees from unrelated business accounts to my account without authorization. Requested Resolution I am requesting that Chase : Conduct a full historical review of all fees improperly charged to XXXX XXXX XXXX ( account ending in XXXX ) Provide a complete reimbursement of all incorrectly assessed fees, estimated at approximately {$1500.00} Provide a clear written explanation of how this error occurred Confirm that my account is no longer linked in any way to unrelated business accounts If this matter is not fully resolved, I am prepared to pursue all additional remedies available to me

Company response to consumer: Closed with explanation