Consumer complaint received 2026-05-21 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: AL

Complaint narrative:
Since XX/XX/year>, I have been charged approximately {$1100.00} in overdraft fees by Chase Bank. Throughout this entire period, I maintained consistent weekly direct deposits every Thursday, along with additional deposits, demonstrating reliable and ongoing account activity. The overdraft fees were not the result of habitual mismanagement. They were caused by a recurring timing issue : automatic payment drafts from third-party companies would clear before my scheduled Thursday deposits posted a structural timing problem, not reckless spending. I contacted Chase to request a goodwill review and refund of these fees. After multiple exchanges, Chase refunded only {$100.00}, less than 10 % of the total fees charged, and then formally closed the inquiry, stating they would " no longer respond to this specific inquiry. '' Chase 's representatives cited a " standard guideline '' for fee reversals but declined to escalate the matter to a supervisor or conduct a full account review, despite my request. The final response acknowledged that my account would eventually " become eligible for another courtesy refund, '' confirming that a fee waiver system exists but was not meaningfully applied to my situation. I believe Chase 's refusal to conduct a fair review of nearly 5 years of overdraft fees, given my consistent deposit history and the nature of the charges, is unreasonable and not in keeping with fair customer service practices. I am requesting that the CFPB facilitate a full review and appropriate refund of the remaining fees. Below are some of the responses received by Chase/ their employees " Hello XXXX XXXX Thank you for contacting us to request a refund for the recent fees. We'll be glad to review your request. We're giving you a refund for the Overdraft Fees of {$100.00} we charged you. We are unable to waive any more fees on the account. Chase follows a standard guideline in regards to fee reversal across all lines of business. We ask that you trust this decision is impartial. XXXX, here are ways to avoid this fee in the future : - Enroll for account alerts by email, text message or push notifications through the Chase Mobile ( R ) app ( 1 ). Account Alerts ( 2 ) will warn you when your balance falls below a certain amount or when your account is overdrawn. - If the account is overdrawn by more than {$50.00} at the end of a business day, make a cash deposit or transfer funds from another one of your Chase accounts so that your account is overdrawn by {$50.00} or less by XXXX XXXX. Eastern Time the next business day to avoid an Overdraft Fee. Different cutoff times may apply for other types of deposits. - Visit chase.com/overdraft for help with managing your account. We appreciate you being a Chase customer. Thank you, XXXX XXXX Email Servicing '' " Hello XXXX, Thank you for contacting us. Let us provide you with more information. Our records show that have been provided in the past. While we are unable to provide additional reversals at this time, we'll be more than happy to assist you once the account becomes eligible for another courtesy refund. XXXX, we understand your concern and respect your position. But because there is no further action required on the account, we will no longer respond to this specific inquiry. We appreciate you being a Chase customer. Thank you, XXXX XXXX Email Servicing ''

Company response to consumer: Closed with monetary relief