I did not read all 70 pages of posts on this thread, but wanted to add a little something. If someone already mentioned this I apologize.
If Chase, or any other issuer for that matter, cut me off and jeopardized any amount of points I accrued, I would immediately initiate arbitration. I would make sure they knew it would cost them 5 figures to take my points. Arbitration is very expensive and the bank has to pay almost every penny even if the consumer loses.