On September the 27th, 2010 I was notified via e-mail that my account had been overdrawn. After some research on my part, I realized that someone was attempting to deposit a fraudulent check in to my checking account. I didn't have any funds at the time in my checking account, and I would have thought they would decline the transaction. Therefore, I immediately notified my bank (JP Morgan Chase, N.A.) and they reversed the charge. The next day I noticed I had an insufficient funds charge on my account for $34.00. Turns out that I had applied for a payday loan to cover some expenses and they attempted a fraud by writing a check for 34.19, on my account with the information that I had given them. I never did complete the transaction to take the payday loan.

I once again notified my Chase Bank through the number located on the back of my ATM card. I was told that I needed to go to the branch in person and that the overdraft fee would be refunded. And for my security they would put a freeze on the account, until I visited the branch to open a new account. A few days went by and I received another e-mail notifying me that my account was overdrawn again. I once again notified Chase and was told that although they reversed the original transaction for $34.19, that caused the overdraft. They could not reverse the overdraft fees associated with it because it was not a fault of their own that caused the overdraft to occur. My account now sits at -49.00 (34.00 Overdraft Fee, and $15.00 extended overdraft fee) because of a check they elected to go through at their discretion. If you ask me, they are attempting to profit off of my misfortune at their discretion. So I will be writing on every website and Federal Banking and Business Commission and Regulator at my discretion. I'm mad as hell and I'm not taking it anymore!

Michael S.
Tampa, FL 33701