I incline to think the issues are due to rampant system glitches today.

Chase must have done some system updates over the long weekend - as a result, this morning the site was not accessible for good several hours. It was not until mid morning that I could finally log in.

Then my Freedom got a fraud alert decline this afternoon - the text clearance or the email clearance did not work. When I answered the email alert in less than 1 min from its arrival, I got the message that I was answering an OUTDATED email! It instructed CALL US, but no phone number listed to call!!!

Called the number at the back of the Freedom, the waiting time was horrendously long, like 20 min. The first rep hang up on me after he said Chase would call you. Instead of calling the cell, the call went to land line at home which of course I missed it given I was out and about shopping, hence the long not used Freedom got a decline.
The second call wait time was 10 min, but when the rep was about to ask security questions, the line dropped.
Finally got home and called the 3rd time using the land line phone. 15 min wait time. This rep wanted to send a code to my cell so I could read back to her - she was not able to send it, despite the same cell got the fraud alert text earlier. So she told me to hang up, then she would call the land line number. It took more than 10 min before the call finally came - I was thinking the call would never come...

All in all, today there are lots of issues within Chase whole system. Therefore I suspect the issues in combining points most likely due to glitches.

A couple weeks ago they did some updates which messed up the options for the security code being sent - the email option was gone, leaving only voice call / text option. I was very unhappy by that option taken away so I called to complain. I was told it was messed up by system updates, and it would be fixed. It was indeed fixed after the weekend, on the following Tue or Wed, the email option to receive security code came back.

It looks to me these days Chase IT does not bother to do production dry run when they do system updates. Each time they messed something up. This morning it is a major mess up because nobody can access the site whether thru the web or via mobile app for several hours this morning. Customer service calls had long wait and the reps could not access customer's profile either.