Here is what I think, they don't care. I think on this forum we hear half truths and what the OP wants us to hear. I always feel there is more to the story when a hammer hits.
Ive been doing this a long time, to the tune of 100s of $1000s a year and I have yet to be contacted, inquired, shutdown due to MS activities. The only questions I got, were early on at my bank, as to why I am depositing all these money orders.
In response to your specific Chase statement .. I have spent over half of $110K at GCM/GC on my Chase Southwest this year. If this doesn't spell MS activities, what does. Ive never heard a peep from Chase and I have my CP for 2018.