Last edit by: StartinSanDiego
This thread is now archived. Please follow the topic here: https://www.flyertalk.com/forum/chase-ultimate-rewards/1986148-chase-closed-my-credit-card-account-s-tales-speculation-2019-thread.html
If you feel your account has been unfairly closed, consider filing a complaint with the Consumer Protection Financial Bureau:
CFPB's complaint form: http://www.consumerfinance.gov/complaint/
When someone reports an account closure here, a lot of the same questions get asked. It might be useful to answer some questions in advance. This could help figure out what happened or how to proceed:
2013.9
2013.12 2014.6
http://www.flyertalk.com/forum/chase...ta-points.html
On 1/4/15, LivelyFL noted that 34 posts have referenced account closures (updated 1/25/15):
1, 55, 80, 108, 117, 129, 146, 165, 182, 212, 221, 222, 232, 235, 262, 272, 281, 326, 364, 410, 411, 428, 475, 477, 482, 513, 552, 586, 620, 648, 656, 662, 714, 718, 784 and 815.
Mortgasm provided more detail as follows:
001 - moarmiles little explaination - 'inconsistent spending'
055 - brettskyg chase gift cards tiny ms
080 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - rodsren
129 - Kybosh chase gift card checking
146 - mintcilantro - checking 6k/month MS, BB payments from another ss#, some MO/AP, 7new cards in 90days, short cycling
165 - newcomr - checking
182 - thehawk75 - heavy MSw/other banks,
212 - LRD - 2x spend of 20k /month (on two cards), checking
221 - iceman 77_7, no info
222 - jk2 no info
232 - hitman1420 checking , heavy MS activity (no number)
235 - clearlyanewb checking, MS activity (10k AGC and more), light credit history, 10 recent inquiries
262 - brc01 - shortcycling, some MS (18k/month over a few cards), 1
272 - rambo - 70% MS on 5 cards, WM BP of 16k/month on 5 cards
281 - prestonv - heavy MS - 20k/month on multiple chase cards, heavy WMBP (ink stayed open)
326 - pacupgo - false alarm, no shutdown
364 - edh101985 - tiny MS (bonus only) , 4 chase cards in 6 months,
410 - msetr - lots of freedom/ink ms
411 - standaman360 - international wires (business), million dollar balances,
428 - queensgambit - gambling transactions, UR point transfer from SO, 5 chase apps 3 new chase cc in 45 days, Blogger points coach
475 - dogloverjb - checking, international wires,
477 - ftomasz - 14 inquiries in 8 months, 5 chase, minimal MS, rapid upswing in credit, paying from multiple accounts
482 - liw5215 - Heavy MS, re-entered after 13 months
513 - thegasguru - checking, $3k/month MO to checking, NO MS, AP,
552 - LAXtoWorld - 3 cards in 30 days
586 - adavydov7 checking, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
If you feel your account has been unfairly closed, consider filing a complaint with the Consumer Protection Financial Bureau:
CFPB's complaint form: http://www.consumerfinance.gov/complaint/
When someone reports an account closure here, a lot of the same questions get asked. It might be useful to answer some questions in advance. This could help figure out what happened or how to proceed:
- Did you transfer UR points to someone with a different address? Different last name?
- Did you sell UR points to someone?
- Approximately what percentage of your charges earned less than 5x points in the past 12 months?
- Did a Chase or non-Chase bank recently close one of your credit cards?
- Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
- Is your total credit line with Chase much higher than with other banks?
- Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
- If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
- Did you recently start spending a lot more with Chase than in typical months?
- Is your monthly balance frequently close to your credit limit?
- Approximately what percentage of spending was on gift cards this year?
- How much of your bill do you typically pay using WM or KMart bill payment if any?
- Do you have a Chase mortgage or other account that might be profitable to Chase?
- Has your credit score or credit profile changed recently? As in: significantly more debt, more open credit lines, or a large drop in your credit score?
2013.9
2013.12 2014.6
http://www.flyertalk.com/forum/chase...ta-points.html
On 1/4/15, LivelyFL noted that 34 posts have referenced account closures (updated 1/25/15):
1, 55, 80, 108, 117, 129, 146, 165, 182, 212, 221, 222, 232, 235, 262, 272, 281, 326, 364, 410, 411, 428, 475, 477, 482, 513, 552, 586, 620, 648, 656, 662, 714, 718, 784 and 815.
Mortgasm provided more detail as follows:
001 - moarmiles little explaination - 'inconsistent spending'
055 - brettskyg chase gift cards tiny ms
080 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - rodsren
129 - Kybosh chase gift card checking
146 - mintcilantro - checking 6k/month MS, BB payments from another ss#, some MO/AP, 7new cards in 90days, short cycling
165 - newcomr - checking
182 - thehawk75 - heavy MSw/other banks,
212 - LRD - 2x spend of 20k /month (on two cards), checking
221 - iceman 77_7, no info
222 - jk2 no info
232 - hitman1420 checking , heavy MS activity (no number)
235 - clearlyanewb checking, MS activity (10k AGC and more), light credit history, 10 recent inquiries
262 - brc01 - shortcycling, some MS (18k/month over a few cards), 1
272 - rambo - 70% MS on 5 cards, WM BP of 16k/month on 5 cards
281 - prestonv - heavy MS - 20k/month on multiple chase cards, heavy WMBP (ink stayed open)
326 - pacupgo - false alarm, no shutdown
364 - edh101985 - tiny MS (bonus only) , 4 chase cards in 6 months,
410 - msetr - lots of freedom/ink ms
411 - standaman360 - international wires (business), million dollar balances,
428 - queensgambit - gambling transactions, UR point transfer from SO, 5 chase apps 3 new chase cc in 45 days, Blogger points coach
475 - dogloverjb - checking, international wires,
477 - ftomasz - 14 inquiries in 8 months, 5 chase, minimal MS, rapid upswing in credit, paying from multiple accounts
482 - liw5215 - Heavy MS, re-entered after 13 months
513 - thegasguru - checking, $3k/month MO to checking, NO MS, AP,
552 - LAXtoWorld - 3 cards in 30 days
586 - adavydov7 checking, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
Chase closed my credit card account(s) [Archived 2013-mid 2019]
#136
Join Date: Jun 2012
Posts: 140
Not a non-disclosure-and nothing to do with legal action.... In fact, I never got around to filing my claim against Chase. However I do not trust that Chase doesn't have people on this board who read about MS. If you want to know how I got my points back PM me. I already told several people. If I post it here, I can be fairly sure that this little "glitch" will be plugged fairly quickly and will not benefit anyone.
#137
Join Date: May 2000
Location: HH Gold, Marriott Gold, PC Plat, Emirates Silver
Posts: 2,679
If you want to keep this from Chase, how will you know that the person who PMs you is not from Chase?
#138
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
I agree with brettskyg. This info is of interest to only very few. Our situation is unfortunate and I sure hope nobody gets in it. On top of that, the 'trick' is not confirmed yet and, I am pretty sure, won't work for me.
I am glad at least somebody was able to get their points back. I wish more people would.
I am glad at least somebody was able to get their points back. I wish more people would.
#140
Join Date: Jun 2012
Posts: 140
If on the chance though what happened to me is a system wide glitch than can be replicated, It is my way of giving back to this community. Either way, the procedure is really very simple, and I am interested to know if it worked for anyone else?
#141
Join Date: Jan 2014
Posts: 14
very smart move, i mainly lurk but have realized that once anything good/important hits FT or FW itll get shutdown asap.
#142
Join Date: Sep 2013
Programs: AS, AA, UR, SPG,
Posts: 101
I don't know what you guys are doing to get your accounts closed... but remember
Pigs get fat... and hogs get ...
heavy MO depositing is something I keep away from..
Pigs get fat... and hogs get ...
heavy MO depositing is something I keep away from..
#143
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
I would never deposit MO's at any financial institution that I value my relationship with...remember to never dookie where you eat
#144
Join Date: Jun 2012
Posts: 140
Update on Chase and getting points back
A few ppl who contacted me tried the same trick and were also successful. For those that I told who also lost their points and have not tried this yet, I suggest giving it a shot.
#146
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
I got shutdown by Chase last week. I just got back from my japan trip where I spent 5 fabulous nights in Hyatts thanks to Chase Ink.
While I was away, I got a letter in the mail from chase saying my checking and saving account will be closed. The letter was from operational loss prevention.
So I logged in online and looks like all my CCs have been closed. I had 5 personal and ink plus. I was able to transfer 40k+ UR to wife's UA account. I had a decent history with chase, CC since 2008 and checking since 2011.
I think it was due to buying 6k in offfice supplies last month. I used to spend 3-5k at 711 which they clearly didn't mind. 5x probably got me in trouble.
I'm pretty bummed. I was really counting on the annual free nights from fairmont and IHG (as wife has those cards as well).
I earned 500k UR points in last two years and booked 4 biz awards to asia on ua.
While I was away, I got a letter in the mail from chase saying my checking and saving account will be closed. The letter was from operational loss prevention.
So I logged in online and looks like all my CCs have been closed. I had 5 personal and ink plus. I was able to transfer 40k+ UR to wife's UA account. I had a decent history with chase, CC since 2008 and checking since 2011.
I think it was due to buying 6k in offfice supplies last month. I used to spend 3-5k at 711 which they clearly didn't mind. 5x probably got me in trouble.
I'm pretty bummed. I was really counting on the annual free nights from fairmont and IHG (as wife has those cards as well).
I earned 500k UR points in last two years and booked 4 biz awards to asia on ua.
Last edited by mintcilantro; Mar 31, 2014 at 10:02 pm
#147
Join Date: Jul 2012
Location: San Francisco, CA
Programs: Jose Cuervo Gold, Bud Light Platinum, Schwab 401K, VW Bug 2MM
Posts: 1,103
I got shutdown by Chase last week. I just got back from my japan trip where I spent 5 fabulous nights in Hyatts thanks to Chase Ink.
While I was away, I got a letter in the mail from chase saying my checking and saving account will be closed. The letter was from operational loss prevention.
So I logged in online and looks like all my CCs have been closed. I had 5 personal and ink plus. I was able to transfer 40k+ UR to wife's UA account. I had a decent history with chase, CC since 2008 and checking since 2011.
I think it was due to buying 6k in offfice supplies last month. I used to spend 3-5k at 711 which they clearly didn't mind. 5x probably got me in trouble.
I'm pretty bummed. I was really counting on the annual free nights from fairmont and IHG (as wife has those cards as well).
I earned 500k UR points in last two years and booked 4 biz awards to asia on ua.
While I was away, I got a letter in the mail from chase saying my checking and saving account will be closed. The letter was from operational loss prevention.
So I logged in online and looks like all my CCs have been closed. I had 5 personal and ink plus. I was able to transfer 40k+ UR to wife's UA account. I had a decent history with chase, CC since 2008 and checking since 2011.
I think it was due to buying 6k in offfice supplies last month. I used to spend 3-5k at 711 which they clearly didn't mind. 5x probably got me in trouble.
I'm pretty bummed. I was really counting on the annual free nights from fairmont and IHG (as wife has those cards as well).
I earned 500k UR points in last two years and booked 4 biz awards to asia on ua.
#149
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
Only recently I started ramping up 5x office supply. I had stayed away from those due to high cost but with the OM promos, I started buying office supplies. I did only around 5k last year but in first three months of 2014, it totaled ~10k.
I'll never know why they shut me down but I think the triggering point was office supplies. I'm sure other factors weighed in like 20+ active cards.
I got the fairmont card in January and they gave me a generous 25k+ limit, so I thought they were happy with all the MS I was doing. They probably liked the 1x/2x MS, just not 5x.
I only lost 985 UR as they transfer in 1k increments.
#150
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
I am sure that card issuance and account terminations are totally different departments. And the fact that one gave you a card with a certain limit means nothing to the other.