I am unable to log in to my Chase online accounts today.

The error message says "Your log in and password are inactive" and asks me to call 1-877-691-8086 and choose option 3, then option 1.

When I called, I was initially met with a message which said this dept is closed. I was then transferred to a banker, who asked for my debit card number and after a moment said I would have to go into a Chase branch with my debit card so that they could assist me further.

I asked what for, and she said she was unable to tell me anything, that when I go to a branch, the branch staff will call her department and they will assist me at that time.

I asked what I should take to the branch; she said debit card and ID.

I pressed a little and she said something about verifying account activity but otherwise held firm to the instruction to go into a Chase branch.

I asked if I could still access my account at the ATM since I have a check to deposit. She said yes, that would be fine.


Am I being closed down? Has anyone else been called into a branch, and if so, what happened?


Here's an idea of the accounts I have with Chase:

5 cc's: BA Visa, Sapphire Preferred, Freedom, United, Hyatt. I mainly use first three and pay everything off every month.

I use my Chase checking as my primary checking account, salary goes into it etc.
On payday I transfer some money out to Bank Direct and some money to a local credit union account which I use for paying a few household expenses.

I have Bluebird, and earlier this week I linked my Bluebird to my Chase checking so that I could transfer a small amount each month for the free Bluebird ATM access. The small verification amounts have not shown up yet.

Could this be the problem?

I play the VR game when/if I can find any locally, but I'm careful to spread it over cards from Citi and Amex in addition to Chase.

This week I ordered two of the fee-free $500 Chase gift cards; one on my BA Visa and one on Freedom. Total of $1,000. They have not yet arrived.

Does any of this sound like something that should get me summoned to a branch?

This doesn't sound like it. Can you log into any accounts? Normally Chase seems to just slam the door - limited or no notice, no report to a branch, no make one last deposit, etc.

This sounds like an issue with your debit card. Maybe an identity theft problem? Many years ago a friend of mine had to go to a branch with ID, SS card, debit card to deal with an identity theft issue. But this was in the late 1990's before most banking was online.

Good luck and please report back!

+1 This doesn't appear to be them closing you down. Possible fraud prevention- maybe your account was compromised or had a login from a bad IP address and they want to confirm everything is legitimate.

(I posted on MP as well...)

How much in total did you buy in gift cards/re-load cards the last couple of months with Chase? Sometimes when it hits a certain number it flags the system. Typically a YMMV situation. For you, it CAN be a pre-cursor to a shut down however, most shut downs happen right away and there is no "please call to reactivate" so your situation could be different. But one thing is for sure, go to the branch tomorrow, find out and let us know to edumacate us on what happened! =)

No online access at all, to any accounts, but ATM access to my checking account seemed to be functioning normally this evening.

Fingers crossed it's fraud prevention and I'm panicking for nothing.

I've put $1450 in reloads and $1,000 in gift cards through Chase cards in the last two months, which seems rather small potatoes but you never know.

I'll update tomorrow after I've been in to the branch.

I think if they were to completely close off your access to your money that would get them in some hot waters a financial institution, but I'm no expert.

I'm very interested to know what happens. Not too sure why Chase would care about what we pay for as long as we pay, which is why Amex FR are always cleared for those that aren't lying about their income on apps.

CVS appears to the one that shut down VR, and put limits on GC purchases, OD did the same thing. It wasn't Chase or other credit card companies doing it...

Would be nice to get an update from op as to why they suspended his accounts.

OP is a she.

Update: it was fraud-related. There was no mention of any spending patterns at all.

The problem was the link to Bluebird I had initiated earlier in the week. Once I confirmed that I recognized it and had initiated it myself, access to my account was restored.

They asked for a Bluebird statement, which I didn't have, so logging into my account in front of the Chase branch agent to prove that it was mine and genuine satisfied them.

OP...thanks for the update

No problem. Thanks for all the opinions and perspective.

good to hear, female OP!

lol

The pattern you listed above is small potatoes compared to many here.
So, no doubt, if Chase did a shut down for that, we would likely see a lot more coming.

Congrats! You are still in business (even with small potatoes, Lol).

Glad to still be in business!

In checking my records I actually put just over 5k through WFPP in addition to what I listed above. But that's still a drop in the ocean compared with many players; you're right about that.

I'm just glad to be a victim of Chase's somewhat over-active fraud detection system, rather than hearing from their St Louis office.

Thank you for the update. It's good to hear that Chase is not coming up with new ways to close people down. I was worried for a little bit.

+1
Oh yeah so was I!