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]
Nov 14, 2017, 11:59 am
#1681
Join Date: Oct 2006
Programs: AA EXP
Posts: 1,635
I applied and was approved for two credit cards with Chase. 1. A Chase Sapphire Reserve 2. Chase Ritz Carlton. The first was applied for and approved on 10/26/2017 and the second was applied for and approved on 11/06/2017. I informed Chase that I would be traveling in Canada from 11/07/2017 to 11/13/2017. I was offered rush delivery on the Sapphire Reserve and was delivered to me before my departure date. On 11/12/2013 I received a message that my chase card had been removed from Apple Pay. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15% of my total available credit and was mostly on food and travel. I was also charged the $450 annual fee and had the card less than 10 days.
What is the rest of the story? Had Chase shut you down before?
Nov 14, 2017, 7:17 pm
#1682
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
I applied and was approved for two credit cards with Chase. 1. A Chase Sapphire Reserve 2. Chase Ritz Carlton. The first was applied for and approved on 10/26/2017 and the second was applied for and approved on 11/06/2017. I informed Chase that I would be traveling in Canada from 11/07/2017 to 11/13/2017. I was offered rush delivery on the Sapphire Reserve and was delivered to me before my departure date. On 11/12/2013 I received a message that my chase card had been removed from Apple Pay. I then logged in and found that both accounts had been closed despite me being on travel. I called Chase and was told that the risk analysis department had closed my accounts without any warning. I had not used more than 15% of my total available credit and was mostly on food and travel. I was also charged the $450 annual fee and had the card less than 10 days.
Nov 14, 2017, 8:37 pm
#1683
Join Date: Nov 2017
Posts: 6
Never had a relationship with Chase till these two cards. Clean credit reports, AAoA a little over 6 years. High 700’s across the board. Last hard inquiry was in January for a Barclays Arrival+ which I still have.
Nov 14, 2017, 8:43 pm
#1684
Join Date: Nov 2017
Posts: 6
if you have not been shut down by Chase, then most likely the closure is caused by the rapid succession of applying Chase cards. The risk analysis dept may have done a soft pull to see your overall available credits from all other banks, your debt level, your usage history of available credits, etc etc and then determined you are a high risk customer and decided to fire you. Such closures have been reported happened a lot a few months ago. A good portion of such closures were subsequently reversed after customers and the risk analysis dept have had good talks.
Nov 15, 2017, 3:39 am
#1685
Join Date: May 2013
Posts: 378
I have spoken to them twice since this has occurred. I’ve been asked to drop into a branch to submit my drivers license and passport when I return back home on Friday. I also submitted a CFPB complaint. Will update on the outcome. Was told a re-review would be complete by the 22nd.
Nov 15, 2017, 5:22 am
#1686
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,792
Why would you submit a CFPB complaint and on what grounds before Chase even finished the review? If they asked for ID it sounds like a fairly routine ID verification.
Nov 16, 2017, 6:21 am
#1688
Join Date: Nov 2017
Posts: 6
The first conversation with them did not go well at all. The CSR was having a bad day. Wouldn’t even discuss the issue or submit it for re-review. After that conversation I submitted the complaint. I then called an EO number and got a hold someone who was having a very good day and they transferred me to someone who was much more open to having it re-reviewed. They looked at my bureau that was pulled during application and could not come up with a valid reason for the close down. I did notify them of the complaint and said that would not be a bearing on the outcome. That’s where I am at the moment. Will be heading to the branch this afternoon and will update after.
Nov 17, 2017, 4:25 pm
#1689
Join Date: Nov 2017
Posts: 6
After visiting the branch with my required id this morning I received a call this afternoon stating both cards had been reinstated.
Nov 18, 2017, 3:58 pm
#1690
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
Nov 18, 2017, 7:38 pm
#1691
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Have you read about the follow up by Majo79? Chase reinstated his accounts. Hence the decision to close his accounts obviously are not "firm", as many Chase closures in recent months have been overturned when the risk assessment dept made a mistake and overreached.
Nov 19, 2017, 12:10 am
#1692
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
There will be outliers for sure. However, in most of the cases, when you game the system, be expected for the consequence.
Nov 19, 2017, 9:41 pm
#1693
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Majo79's case is NOT an outlier but quite a rampant happening since a few months ago when Chase risk assessment dept went haywire. His case is NOT even the first case posted on this thread.
Nov 27, 2017, 6:02 am
#1694
Join Date: Nov 2017
Programs: UA Plat, SPG/Marriott Gold, IHG Plat
Posts: 5
Seeking Advice for a Similar Shutdown
Happy almost December!
Recently I've had an experience with Chase shutting down both of my existing CC accounts, very similar to that of @Majo79.
I was approved for the Sapphire Reserve back in September, and then the IHG more than a month after. I always carried a relatively low balance compared to credit line and paid my balance on time, if not early. I have never done any shady spends, and I don't believe in churning card thereby hurting credit card companies.
Note that, I did, however, make a rookie mistake by applying for the Marriott card within a month of having my IHG approved--needless to say, my tertiary card application was denied on the grounds of having "too many apps with a 30-day period". (In retrospect, my applying for a tertiary Chase card within a relatively short period of time and calling the reconsideration line might have triggered the following
About a day or two after my phone convo regarding my Marriott application (probably exactly a week ago by now), I put in a travel notice for my week-long European trip, only to have been placed on a "Periodic Review" the same evening. About three days ago I found out through the online portal that for both of my existing CC accounts:
As of right now, I haven't recieved a phone call or anything in writing from Chase. All I see is the above message through the online portal.
This is beyond frustrating, as I believe that I've been nothing but a good customer (700+ score across the board) to Chase, and see no reason other than the risk of having too many applications within a short period (a decision I now regret, of course! )
I was happy to read that some fellow flyers here found success in having their cases reevaluated and accounts reinstated. I was wondering if you could provide insights as to whom I should reach out directly (what is the best EO number? Is it (800) 242-7399?) and what the best strategy that I should employ would be to go about having my case reviewed and escalated?
Thanks in advance!
----
TL, DR:
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:
Recently I've had an experience with Chase shutting down both of my existing CC accounts, very similar to that of @Majo79.
I was approved for the Sapphire Reserve back in September, and then the IHG more than a month after. I always carried a relatively low balance compared to credit line and paid my balance on time, if not early. I have never done any shady spends, and I don't believe in churning card thereby hurting credit card companies.
Note that, I did, however, make a rookie mistake by applying for the Marriott card within a month of having my IHG approved--needless to say, my tertiary card application was denied on the grounds of having "too many apps with a 30-day period". (In retrospect, my applying for a tertiary Chase card within a relatively short period of time and calling the reconsideration line might have triggered the following
About a day or two after my phone convo regarding my Marriott application (probably exactly a week ago by now), I put in a travel notice for my week-long European trip, only to have been placed on a "Periodic Review" the same evening. About three days ago I found out through the online portal that for both of my existing CC accounts:
Your account is closed.
If you have a balance on this account, please continue to make your payments by the due date each month.This is beyond frustrating, as I believe that I've been nothing but a good customer (700+ score across the board) to Chase, and see no reason other than the risk of having too many applications within a short period (a decision I now regret, of course!
)I was happy to read that some fellow flyers here found success in having their cases reevaluated and accounts reinstated. I was wondering if you could provide insights as to whom I should reach out directly (what is the best EO number? Is it (800) 242-7399?) and what the best strategy that I should employ would be to go about having my case reviewed and escalated?
Thanks in advance!
----
TL, DR:
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? No
- Did you sell UR points to someone? No
- Approximately what percentage of your charges earned less than 5x points in the past 12 months? 90%
- Did a Chase or non-Chase bank recently close one of your credit cards? No
- Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards? No? (30% Max.)
- Is your total credit line with Chase much higher than with other banks? Yes (my only other credit card account is with a major US bank; 3k limit, very good history)
- Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.) 3 in total; first two approved (2nd card approved almost instantly)
- If you have a Chase checking account how much did you typically deposit in money orders per month, if any? JUST opened my checking AND savings accounts with Chase, in person, and with intentions to 1) take advantage of the $500 bonus and 2) to start a Private Client relations (this was all 1.5-2 weeks before account closure/rejection of 3rd card.)
- Did you recently start spending a lot more with Chase than in typical months? No
- Is your monthly balance frequently close to your credit limit? No, never
- Approximately what percentage of spending was on gift cards this year? 15%. All was for legitimate personal use and via MileagePlusX
- How much of your bill do you typically pay using WM or KMart bill payment if any? Never
- Do you have a Chase mortgage or other account that might be profitable to Chase? No
- 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? No
Nov 27, 2017, 12:13 pm
#1695
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
It sounds as if your USA credit history is short, and your file is thin. Did you recently move to the USA from another country, perhaps the country you intend to visit?