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]
Apr 3, 2014, 5:42 pm
#196
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
@thehawk75 ... were any of your cards reporting balances for past few months ? I am wondering if chase did some soft pulls and found that you were hitting non-chase cards hard enough to be considered a risk ?
with the way these shutdowns are coming I am sure many would be caught with their pants down.... oh , and when I think of it I could be next in line...
with the way these shutdowns are coming I am sure many would be caught with their pants down.... oh , and when I think of it I could be next in line...
I have a hunch this is a culling... likely to hear more stories soon.
Given previous stories of Chase account closure, I'll say again that now is the time to move redeem a bunch of one's hard earned URs. And don't make the assumption that many did during the Citi culling a year ago; I don't do as much manufactured spending as thehawk75, so, I have nothing to worry about', or 'I only do a little bit of manufactured spending they won't be looking at me'. Many were sad to have uttered such words when Citi's axe did fall on them as well.
I guess I will know what [I guess I shouldn't share his name in public, but CSR did give it to me] in 'Chase Card Services Executive Office' has to say in about a week when my official letter arrives.
My hunch is it will be short, and boiler plate, and not really say anything other than 'after careful review of your accounts we have decided to end our credit card relationship with you', or something to that effect.
So, can anyone chime in as to how long Chase blacklists last? Is it a permanent thing? There must be some AARP guys around here who can share.
Last edited by thehawk75; Apr 3, 2014 at 5:50 pm
Apr 3, 2014, 6:32 pm
#197
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
All my Chase CC's are now closed.
Have hardly done any MS with chase either in the last 8 months or so.
Just happened today, so, I have no other details.
UR accounts still seemed to be working, so, I've made all transfers and redemptions I could. Miles landed in UA nicely, don't see them at IHG yet...
EDIT: And just realized for added irony, this is about a year to the week that Citi performed the same stunt with me. March/April seems to be a bad bad bad time of year.
Have hardly done any MS with chase either in the last 8 months or so.
Just happened today, so, I have no other details.
UR accounts still seemed to be working, so, I've made all transfers and redemptions I could. Miles landed in UA nicely, don't see them at IHG yet...
EDIT: And just realized for added irony, this is about a year to the week that Citi performed the same stunt with me. March/April seems to be a bad bad bad time of year.
Apr 3, 2014, 7:14 pm
#199
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
I actually like IHG. Had some good luck with points breaks in the past. Didn't transfer much, just a top off.
And at any rate, when one is talking with CSR taking as many notes as they can, while at the same time being told that UR points would be forfeited since account is closed, but, I can see when I'm logged in that I can still redeem them... well... let's just say this was a rushed redemption. Did what I thought seemed best given the crummy circumstances.
Well, closing all of ones CC's for very minimal MS (with them) and no churning in 2 years seems rather nuclear. Perhaps this is the 'atomic bomb'... and clawback would be the 'hydrogen bomb' ?
And at any rate, when one is talking with CSR taking as many notes as they can, while at the same time being told that UR points would be forfeited since account is closed, but, I can see when I'm logged in that I can still redeem them... well... let's just say this was a rushed redemption. Did what I thought seemed best given the crummy circumstances.
Well, closing all of ones CC's for very minimal MS (with them) and no churning in 2 years seems rather nuclear. Perhaps this is the 'atomic bomb'... and clawback would be the 'hydrogen bomb' ?
Apr 4, 2014, 8:22 am
#201
Join Date: Nov 2011
Posts: 1,944
I guess I will know what [I guess I shouldn't share his name in public, but CSR did give it to me] in 'Chase Card Services Executive Office' has to say in about a week when my official letter arrives.
My hunch is it will be short, and boiler plate, and not really say anything other than 'after careful review of your accounts we have decided to end our credit card relationship with you', or something to that effect.
My hunch is it will be short, and boiler plate, and not really say anything other than 'after careful review of your accounts we have decided to end our credit card relationship with you', or something to that effect.
But in both cases you seem to be one of the "lucky" ones, able to redeem points in time.
Apr 4, 2014, 7:59 pm
#202
Join Date: Sep 2012
Location: IAH
Posts: 418
If I'm going out I'm going out on my shield. Its time to order more GC anyway.
Apr 6, 2014, 5:36 pm
#203
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 actually like IHG. Had some good luck with points breaks in the past. Didn't transfer much, just a top off.
And at any rate, when one is talking with CSR taking as many notes as they can, while at the same time being told that UR points would be forfeited since account is closed, but, I can see when I'm logged in that I can still redeem them... well... let's just say this was a rushed redemption. Did what I thought seemed best given the crummy circumstances.
And at any rate, when one is talking with CSR taking as many notes as they can, while at the same time being told that UR points would be forfeited since account is closed, but, I can see when I'm logged in that I can still redeem them... well... let's just say this was a rushed redemption. Did what I thought seemed best given the crummy circumstances.
Apr 6, 2014, 6:17 pm
#204
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
Apr 6, 2014, 6:46 pm
#205
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
Lately there are a lot of account closures due to stacking promo codes. You may want to read threads in IHG forum.
Apr 6, 2014, 10:44 pm
#206
Join Date: Mar 2012
Location: Boulder
Programs: AA Plat, CX Silver
Posts: 2,361
Guess my non-reply didn't throw any red flags since my accounts are still open, though I just moved about half my UR points out to be safe.
Apr 7, 2014, 12:50 pm
#207
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
Or if not high balances/spend maybe some type of negative marks from previous shutdown on IDA/ARS, credit reports, ChexSystem etc that were discovered during a soft pull? There are also reports of Chase calling Bold card holders and asking questions. Maybe Chase's analytics are getting better or they are just devoting the resources to follow up.
Having now received a letter, dated a week before my cards stopped working, it appears this action came from the banking side. Letter says they're going to close my checking/savings account come 'late April'. It appears my cards worked for a week after the date at the top of the letter.
Now... what was I doing with my bank accounts? Nothing!! Basically just a place that held money. Very few transactions over the past year. During the MVD days I did make a few CA's there, and deposited a few MO's there... but again this activity stopped nearly a year ago, and, not much was done there anyway since I spread things out among various banks.
No other bank accounts have been closed, so, not sure what would be in Chex... but now given this Chase action I'm going to have to make sure they don't put anything slanderous like 'suspected fraud'. I've checked the big 3 reports, nothing derogatory. Only non-stellar items are the Citi 'closed by grantor' CC accounts. Never checked IDA/ARS. Perhaps it's time to do so.
As far as the 'official letter' goes.. even more brief than Citi when they closed my CC's.
Originally Posted by JP Morgan Chase Bank, N.A. Chase Operating Loss Prevention
Dear thehawk75
We recently reviewed your account and determined that we will bee closing it on '[Late April]'. Please accept are apologies for the inconvenience.
We want you to have enough time to complete pending transactions and open an account at another bank. Here are some actions to take in the coming days...
etc.
etc.
etc.
We recently reviewed your account and determined that we will bee closing it on '[Late April]'. Please accept are apologies for the inconvenience.
We want you to have enough time to complete pending transactions and open an account at another bank. Here are some actions to take in the coming days...
etc.
etc.
etc.
I'm trying to correspond with them to see if there's anything I can do to remedy the matter, or, in the least if they can inform me as to what they found when they reviewed the account if it was a matter of public record so that I can correct misinformation... but... as of this point I'm not optimistic. As of now planning to move all money out before the account closure date and close the accounts myself the day before their action date so in hopes that it appears as me closing the bank accounts instead of Chase on the Chex system.
Apr 7, 2014, 7:03 pm
#208
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Reading this thread has made me somewhat paranoid. I'm worried because it seems all or most if the shutdowns have been related to having a checking account with Chase. I've had my checking account with Chase for a long time, ever since college. Initially, I was with WaMu, which got bought out by Chase.
Nevertheless, I deposited some MOs and did a few CAs last year, but then moved all my activity to other smaller, local banks. Most if my AP deposits also went to my Chase account, but I've moved that to a different account now. I don't know if I should preemptively close my checking account.
Nevertheless, I deposited some MOs and did a few CAs last year, but then moved all my activity to other smaller, local banks. Most if my AP deposits also went to my Chase account, but I've moved that to a different account now. I don't know if I should preemptively close my checking account.
Apr 8, 2014, 8:07 pm
#209
Join Date: Sep 2012
Location: IAH
Posts: 418
I'm worried because it seems all or most if the shutdowns have been related to having a checking account with Chase.
Nevertheless, I deposited some MOs and did a few CAs last year, but then moved all my activity to other smaller, local banks. Most if my AP deposits also went to my Chase account, but I've moved that to a different account now. I don't know if I should preemptively close my checking account.
Nevertheless, I deposited some MOs and did a few CAs last year, but then moved all my activity to other smaller, local banks. Most if my AP deposits also went to my Chase account, but I've moved that to a different account now. I don't know if I should preemptively close my checking account.
Apr 8, 2014, 9:05 pm
#210
Join Date: Feb 2004
Location: DFW
Programs: AA Plat/6MM, Marriott Titanium, IHG Diamond
Posts: 3,240