May 15, 2014, 8:16 am
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]
Jul 18, 2017, 11:42 am
#1561
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
I got a letter from Chase Executive office yesterday saying they were looking into my situation as per my request.
Jul 18, 2017, 1:18 pm
#1562
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
Good and good luck to you.
Jul 19, 2017, 12:22 am
#1563
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Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
Why is everyone obsessing over my account, or "the whole story"? This was one of the reasons I didn't want to originally post, but did so out of being kindly asked to help the community. I told why I think.
I have no idea, if you like you can go ask Chase yourselves, I'd like to know please CC me. I'll give you my account info just PM me.
I have no idea, if you like you can go ask Chase yourselves, I'd like to know please CC me. I'll give you my account info just PM me.
Jul 19, 2017, 2:13 am
#1564
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Why is everyone obsessing over my account, or "the whole story"? This was one of the reasons I didn't want to originally post, but did so out of being kindly asked to help the community. I told why I think.
I have no idea, if you like you can go ask Chase yourselves, I'd like to know please CC me. I'll give you my account info just PM me.
I have no idea, if you like you can go ask Chase yourselves, I'd like to know please CC me. I'll give you my account info just PM me.
While I am being skeptical (as I believe I am the first one suggesting another side of the story), I had also provided a solution for your purported reason, which you will have to contact a lawyer in the case that your account closures were due to chargebacks that are justified.
Jul 19, 2017, 2:17 am
#1565
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Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
No mean to offend you. The reality is many so-called victims claimed innocence. It turned out that most of them have done something contrary to Chase's policy.
While I am being skeptical (as I believe I am the first one suggesting another side of the story), I had also provided a solution for your purported reason, which you will have to contact a lawyer in the case that your account closures were due to chargebacks that are justified.
While I am being skeptical (as I believe I am the first one suggesting another side of the story), I had also provided a solution for your purported reason, which you will have to contact a lawyer in the case that your account closures were due to chargebacks that are justified.
I appreciate your suggestion for a lawsuit. My comments weren't exactly directed at you.
Honestly I couldn't care less what people think. It just annoys me that people ask for me to post my situation, and then claim I'm lying or whatever else. It's a little annoying. But honestly at the end of the day, it's the internet so I don't care if people want to play detective.
Jul 19, 2017, 7:09 am
#1566
Join Date: Sep 2014
Location: TPA/DFW/K15
Programs: AA EXP, Mar AMB, HH LT DIA
Posts: 1,649
I appreciate your suggestion for a lawsuit. My comments weren't exactly directed at you.
Honestly I couldn't care less what people think. It just annoys me that people ask for me to post my situation, and then claim I'm lying or whatever else. It's a little annoying. But honestly at the end of the day, it's the internet so I don't care if people want to play detective.
Honestly I couldn't care less what people think. It just annoys me that people ask for me to post my situation, and then claim I'm lying or whatever else. It's a little annoying. But honestly at the end of the day, it's the internet so I don't care if people want to play detective.
The reason I pressed for more info was to look for data points where someone's account may have been closed for one of the non-standard reasons (manufactured spending, bad credit, carrying excessive balances, etc).
Excessive chargebacks could be a reason. But again, if you're success rate is 100% then I doubt that's the reason. You did indicate that you do a lot of chargebacks. Somebody said, and I agree, I believe I do a chargeback maybe twice per year. If you've had even a few chargebacks denied, due to the many you say you make, I would venture a guess that's the reason for closure.
I know this is the internet, but I believe most here who are pressing here are trying to get a new (maybe different) data point rather than honing their internet sleuthing skills.
It's alarming with your credit score that Chase would shut you down (similar situation).
Jul 19, 2017, 7:15 am
#1567
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
Can someone give us what percentage people get their accounts re-instated?
Jul 19, 2017, 9:29 am
#1568
Join Date: Mar 2014
Location: USA
Posts: 14
No mean to offend you. The reality is many so-called victims claimed innocence. It turned out that most of them have done something contrary to Chase's policy.
While I am being skeptical (as I believe I am the first one suggesting another side of the story), I had also provided a solution for your purported reason, which you will have to contact a lawyer in the case that your account closures were due to chargebacks that are justified.
While I am being skeptical (as I believe I am the first one suggesting another side of the story), I had also provided a solution for your purported reason, which you will have to contact a lawyer in the case that your account closures were due to chargebacks that are justified.
Before you suggest using a lawyer, I hope you should mention that it costs money hiring a lawyer. And unless he researches more about his case, it would be just a waste of money talking to a lawyer now.
Jul 19, 2017, 9:57 am
#1569
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
I just don't like sharing a personal story, only to be essentially called a liar by multiple people. Especially after I didn't want to talk about my personal situation, but that's okay.
Getting a lawyer will be very expensive if Chase does abuse me. Right now everything is going the way it is suppose to. So I'll wait and see what happpens.
Getting a lawyer will be very expensive if Chase does abuse me. Right now everything is going the way it is suppose to. So I'll wait and see what happpens.
Jul 19, 2017, 10:04 am
#1570
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,028
I don't know. Chase won't tell me at this point. But I suspect it's because I don't let companies screw me, so I chargeback. For example on rented cars when there is no toll both, and it's toll by plate I dispute those transactions. And I don't care how small the amount is with merchants. When a merchant erroneously charges me, I chargeback. For the record I've won all my disputes because I was in the right.
You say you dispute these transactions because they are "toll by plate."
Does that mean that none of them are legit? Or that you are able to win all of the chargebacks easily?
Jul 19, 2017, 10:12 am
#1571
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
My mom recently got doubled tolled and charged a $35 fee by Hertz where she stopped and paid the toll, and in addition, Hertz charged a fee! The rental car companies love doing this to people because most people will just pay the fee and move on.
As I said, I don't let businesses screw me, no matter how small the transaction. So this is just one facet of my many chargebacks. I probably routeinly go through 10-20 chargebacks a year. I do believe one time I lost because the hotel made a promise to me over the phone for free nights, and I didn't get that in writing, so I had to pay in the end.
So yes, someone challenged me on always winning. I think I lost once which was last year around spring time.
Last edited by Edgerfly; Jul 19, 2017 at 11:34 am
Jul 19, 2017, 11:23 am
#1572
Join Date: Nov 2015
Location: St. Louis, MO
Programs: Southwest Companion Pass
Posts: 790
You must not rent many cars. It's been a real problem recently where most states have adapted "toll-by-plate" systems. The rental car companies will charge you a fee-sometimes up to $50- for processing your "toll-by-plate" transaction when in reality all you did was drive on a highway and would happy pay the 50 cent-$2 toll. It's flat out extortion, and the rental car companies know it so they never pursue these charges against you if you challenge them through your bank.
My mom recently got doubled tolled and charged a $35 fee by Hertz where she stopped and paid the toll, and in addition, Hertz charged a fee! The rental car companies love doing this to people because most people will just pay the fee and move on. As I said, I don't let businesses screw me, no matter how small the transaction.
My mom recently got doubled tolled and charged a $35 fee by Hertz where she stopped and paid the toll, and in addition, Hertz charged a fee! The rental car companies love doing this to people because most people will just pay the fee and move on. As I said, I don't let businesses screw me, no matter how small the transaction.
Maybe you would be better off not renting cars, or maybe you should plan your route better so you can avoid those charges.
Jul 19, 2017, 11:33 am
#1573
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Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
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So now we know the problem. This is exactly what people were talking about when they said "there must be more to the story". Even though the charges are a money grab, they are legit and legal. They are also listed on the rental agreement. You just don't feel like paying them. So instead, you do a charge back.
Maybe you would be better off not renting cars, or maybe you should plan your route better so you can avoid those charges.
Maybe you would be better off not renting cars, or maybe you should plan your route better so you can avoid those charges.
This is across the board knowledge of people who rent cars as often as I do. Trust me, if anything THESE transactions were not the reason my accounts were all closed.
And for the record when you do dispute these transactions, the rental car companies are the ones who cave, and do not pursue them with the bank because they know they cannot win.
Jul 19, 2017, 11:36 am
#1574
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,028
So if you were in your own car driving and got hit with a "toll by plate" fee, would the situation be different?
Jul 19, 2017, 11:40 am
#1575
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Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
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Posts: 2,019
The problem with the rental car companies is they extort money from you, and use this as an excuse to get anywhere from $20-$50 from you for a 50 cent toll.