JPMorgan Chase & Co. Bank Account Or Service Complaint

JPMorgan Chase & Co. Bank account or service department,

Checking account Problems caused by my funds being low New York

I have been having a lot of problems with Chase bank employees, inconsistent practices and advice. On -, - charged me for a - membership when I was trying to rent a movie. The charge was -. I immediately called - and was told that it would take 14 business days. I could n't afford that. It was right after -. I made purchases on - using my - account so there were several different debit transactions that were all done separately. I had enough trouble keeping track of that. Not knowing what else to do, I called Chase to tell them what happened and how - said they could n't refund for 14 business days. The associate told me that I had to file a claim. I explained to both associates, the one that answered the phone and the one that opened the claim, I did call - and they said it would take 14 business days. They filed the claim and told me they would issue a temporary credit until they could retrieve the funds from the merchant.


Fast forward to today, - -. I get up for work and my bank account is in the negative. There was a credit reversal. I called and found out that - refunded the money on the - and Chase added the credit on - two days after I called. They said they sent me an email telling me that they would be taking the funds back. I did n't get the email. I have had problems with my email account since this year someone filed a fraudulent tax refund under my social security number. I have had many problems with my gmail account and believe that may have compromised as well. Either way, I did n't see the email so this was a complete surprise. Chase however, said that it was my responsibility to monitor my account and see that they had credited me after the refund. I was also told that I should NOT have filed a claim since that is only done in cases of fraud. I explained that I was n't the one that made that decision. I called and told them what happened and that it was Chase employees that decided what to do. How is that my fault? I asked them about overdraft fees after this, since there was an error and they said I would be responsible. I spoke to fraud after that to go over the situation and was told by that associate there is an annual limit on overdraft fees that the bank can charge. I was not aware of this. She transferred me back to the general customer service number. That associate told me she is n't sure why I was told that but that overdraft fees are not capped and they can charge up to 5 per day. She advised me to go to the branch and freeze my account. I called again as I was on the way and was told that I could not do this since it was n't due to fraud. I asked for a supervisor immediately. This was n't the first time I had received conflicting information. The supervisor told me I COULD actually freeze the account which would avoid any overdraft fees. So I turned around and went back. Now, because of the fee reversal and my negative account I could n't put gas in my car and the light had come on. When I arrived at the branch, the associate told me that you could NOT freeze an account unless it was because of fraud. I could n't believe that a supervisor told me I could do something that I could not and how poorly trained Chase associates truly are. I have paid hundreds of dollars in overdraft fees and I 'm sure I 'll end up paying more. They are taking advantage of the fact that I 'm in a very tough financial situation and profiting from it.