Checking or savings account -- Managing an account -- Complaint #17314817
Complaint Overview
Complaint ID: 17314817
Company: Jpmorgan Chase & Co.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
State: California
ZIP Code: 940XX
Date Received: 2025-11-17T12:00:00-05:00
Date Sent to Company: 2025-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Chase just began ( XX/XX/year>? ) charging a fee simply to keep a checking account open. I didn't see any notification, I just noticed a fee. I spoke to them multiple times on the phone. Chase customers now must maintain a minimum daily balance of {$1500.00} or get paid by a specific non-wire ACH direct deposit every month of {$500.00} minimum, or {$5000.00} minimum beginning day balance in order to avoid a {$15.00} fee. My employer used to pay me in check and over the past few years just got used to XXXX. XXXX does not meet Chase 's criteria. Chase reversed the sneaky fee as a one time courtesy when I called and said I had no idea. But my employer is having great difficulty paying me without avoiding fee, even tried with wire because direct deposit was not an option. And then even more fees were incurred on both ends. My employer 's bank ( XXXX XXXX XXXX ) claims lists ACH and wire as the same so it conflicts with Chase 's criteria. It seems this criteria is easy for people with greater income and with official corporate employers. But even with an employer who files taxes properly, this new criteria seems discriminatory against low income employees and employers who can not afford payroll department and service. Chase language from their website : " {$15.00} or $ 0 Monthly Service Fee You can avoid the fee by doing one of the following each monthly statement period : XXXX XXXX deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment or XXXX XXXX, or ( iii ) third party services that facilitate payments to your debit card using the XXXX or XXXX XXXX, OR a balance at the beginning of each day of {$1500.00} or more in this account, OR an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying Chase checking, savings and other balances ''
Frequently Asked Questions
What is Complaint #17314817 about?
Complaint #17314817 was filed against Jpmorgan Chase & Co. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-17T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.