JPMorgan Chase Bank Account Or Service Complaint

JPMorgan Chase Bank account or service department,

Checking account Deposits and withdrawals New York

At - - - my checking account w CHASE had a positive balance - I checked. When I woke up in the morning I was negative, charged - insufficient fund fees ( - - - ) = $64.00 for an overdraw of ( - ) $140.00. Within hours I deposited cash and my account was restored to a positive balance. Chase has a policy if funds are presented before - the same day, no charges are incurred. However, CHASE has refused to return the fees charged. I was given - reasons : 1 ) i had used my - courtesy fee reversals, 2 ) The funds needed to be in the account on - -. It was unfortunate for me a - party failed to contractually deposit funds on - - ANd CHASE fails to care whether - of the - reversals were the fault of the bank. CHASE claims they provide all of these online tools to make sure consumers do not incur fees and make their experience better. However they failed to present me with any information ; they did not show these - charges as my pending charges when i checked the status of my account at -. They say they cant. How was I supposed to rectify the problem? Most importantly, i believe charging - Dollars for covering - Dollars for less than - hours is pure usery and a violation of their fiduciary responsibility. Why this fee structure is not scaled is beyond me. Why I am paying over 70 % interest for a transaction that cost the bank pennies needs to be examined by CFPB. This is not about their - - - this is about ethics and the spirit of the law.