JPMorgan Chase Bank Account Or Service Complaint

JPMorgan Chase Bank account or service department,

Checking account Problems caused by my funds being low New York

Overdraft fees. I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. For example, I recently set up an automatic payment for a credit card. I had transferred money to - account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a $34.00 overdraft charge. In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an -, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. It 's infuriating.