JPMorgan Chase Bank Account Or Service Complaint

JPMorgan Chase Bank account or service department,

Savings account Deposits and withdrawals Colorado

I am a Colorado member of Chase bank and hold - accounts with them : - checking, - savings, - mortgage, - auto loan. I have been a member for about 10 years and have always received satisfactory service. I regularly check my checking account statements for fraudulent activity, but typically just scan the totals of my other - accounts since I do n't have a debit card directly linked to them. I recently noticed that a $20.00 bank fee has been taking from my savings account monthly since - 2014. After speaking to a bank manager, I was told that it was a mistake on the bank 's park ( my account was n't linked correctly ), but he could only refund me funds from the past 4 months. He said that the statute of limitations for fraudulent activity is only a 60 days due to state law. This is understandable if the activity was from an outside source, but being it was admittedly the bank 's fault, they should be liable. My question is, how do I feel safe with a bank that mistakenly takes my money and wo n't give it back? What are the Colorado and Federal laws? Please help! Thank you!