Complaint Review: J.P. Morgan Chase Bank - Arcata California
- J.P. Morgan Chase Bank 780 7th street Arcata, CA. 95521 Arcata, California United States of America
- Phone: 1-877-486-0592
- Web:
- Category: Cash Services
J.P. Morgan Chase Bank service charge rip offs and atm charges scams and ripoffs Arcata, California
*Consumer Comment: Here is how to stop it..
*UPDATE Employee: There is no policy that charges clients to use their debit card.
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I have been watching my account this whole year and I have been charged service charge after service charge. 33 dollars every time they say I am over my limit. 2 dollars everytime I use a non bank atm 3dollars for an atm withdrawl and I have had as much as 900dollars in charges in a two week period it is very confusing. When I look at my balance it says I have money and I take that money out and next thing I know I am overdrawn and every trasaction I have on my account has a 33 dollar service charge on it. It is very frustrating. I have been going into the actual bank to withdraw my money since my checks get automatically deposited or else they hold my funds for 3 business days to clear. It seems that every time I use my atm-visa card they charge me 33dollars on top of every single transaction, plus charge me for non bank atm usage. Does anyone else see this as a problem? The balance they show me is always wrong and I end up overdrawing my account and I was going by what they say my statement says. By going through my records from the year I have over 4000 dollars worth of charges that I did not realize that I was being ripped off of. This has to stop, it is wrong.
This report was posted on Ripoff Report on 12/26/2009 07:12 AM and is a permanent record located here: https://www.ripoffreport.com/reports/jp-morgan-chase-bank/arcata-california-95521/jp-morgan-chase-bank-service-charge-rip-offs-and-atm-charges-scams-and-ripoffs-arcata-545358. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 Consumer Comment
Here is how to stop it..
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Sunday, December 27, 2009
It appears as if you have several misconceptions on how a bank account works.
First there is no "over my limit", you have an account balance and if you spend more than you will overdraw your account.
You also appear to be relying on on-line/Phone/ATM for your balance. Since these are generally just "snapshots" of your account at that particular time. There will be times when debits you have made or checks you have written will NOT show up. The way that debits are processed, it is also possible that you will see a debit show up, and then disappear. As much as some people want to think that this is something sinister or intentional on the banks, it isn't.
No where in your report did I see where you said YOU keep a register. If you are unfamilar with what that is, that is basically a book(for lack of a better word) of all of your transactions. Unlike on-line banking if you keep a register you can write down the transaction when you make it. This way regardless of when the merchant decides to submit it, you know it is already spent. Because YOU accounted for it.
The next is deposits. You CAN NOT spend money in your account until it is available. As long as you keep a register, make sure your deposits are available BEFORE you even attempt to spend the money, and never go negative all of those fees will just go away. If you are unfamilar with your banks funds availability policy this is something you need to go in and ask them about.
Now, several banks are giving you the opportunity to "opt-out" of overdraft protection. That is once your balance is negative they will decline your debit card and not allow you to use your ATM card. However, this DOES NOT guarantee you won't overdraft. So even if you do decide to "opt-out" it does not mean you can slack off on using your register.
In addition unless you have some unforseen circumstance there should never be a reason you need to use another bank's ATM and incurr that fee. Because you should plan ahead and if you think you are going to need some cash to take it out when you are near your bank's ATM.
If you do happen to overdraw your account. You need to get it back to positive as soon as possible. Until you are 100% sure that all of your outstanding transactions are posted and you are back with a positive balance. You should only put money in and DO NOT take any more money out. As that tends to just perpetuate the fee-avalance. This may take several days depending on how accurate YOUR register is, and how many merchants have not submited the final debits.

#1 UPDATE Employee
There is no policy that charges clients to use their debit card.
AUTHOR: Mia - (USA)
SUBMITTED: Sunday, December 27, 2009
I believe you are wrong when you say every time you use your debit card there is a $33.00 charge for that purchase. Unless, of course you are not at a Chase ATM and are withdrawing $30.00 in cash....The service charge is $3.00 so there would be a total withdrawal of $33.00. When you use a non Chase ATM the screen tells you of that charge before you continue with your transaction so you are aware of that charge. Now if you are stating that for every transaction you make against available funds, (whatever the amount) using your debit card you are service charged an additional $33.00; then you definitely have a problem. There is no policy that charges clients $33.00 to use your debit card. There is no policy for charging any amount for using your debit card when you have the money in the account. Using your debit card at stores and at Chase ATM's is free....as long as you have the money in the account to cover what you are buying.


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