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Chase closed my credit card account(s) [Archived 2013-mid 2019]

Chase closed my credit card account(s) [Archived 2013-mid 2019]

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Old Sep 5, 19, 11:49 pm   -   Wikipost
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This thread is now archived. Please follow the topic here: https://www.flyertalk.com/forum/chas...19-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:
  1. Did you transfer UR points to someone with a different address? Different last name?
  2. Did you sell UR points to someone?
  3. Approximately what percentage of your charges earned less than 5x points in the past 12 months?
  4. Did a Chase or non-Chase bank recently close one of your credit cards?
  5. Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
  6. Is your total credit line with Chase much higher than with other banks?
  7. Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
  8. If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
  9. Did you recently start spending a lot more with Chase than in typical months?
  10. Is your monthly balance frequently close to your credit limit?
  11. Approximately what percentage of spending was on gift cards this year?
  12. How much of your bill do you typically pay using WM or KMart bill payment if any?
  13. Do you have a Chase mortgage or other account that might be profitable to Chase?
  14. 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?
Related threads: 2013.1 2013.4
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,
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Old May 4, 14, 6:40 pm
  #316  
 
Join Date: Jul 2013
Posts: 1,872
Originally Posted by exmike View Post
wrong thread??
yes
Blueskyheaven is offline  
Old May 4, 14, 7:32 pm
  #317  
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Originally Posted by MkMooney View Post
A broken window also isn't money. You are suing for money to recover your loss, how is confiscating my points different than breaking my window (in the context of the argument at hand)?
If you cannot see the obvious differences between these two things, I do not think that anyone is ever going to explain it to you...so I will just save my breath and move onto another thread

Last edited by skibum7732; May 4, 14 at 10:13 pm
skibum7732 is offline  
Old May 10, 14, 6:15 pm
  #318  
 
Join Date: Apr 2014
Posts: 10
Originally Posted by happy9zz View Post
Current loan amount on all open accounts:
Do you have any big loan amounts such as: home loan, auto loan, student loan? if there is balance on credit cards, will it be considered a loan?

Too many requests for credit or reviews of credit:
Do Chase mean "hard pulls" on your credit report?
To answer these questions from BRC01's letter

I had the 12 of the same letters sent to me - two for each of my six personal cards, one stating that they pulled my TU score, the other that they pulled EX.

I had 55% utilization report on two of my higher CL cards when they did their soft pull, which reported me as having ~15% of my RAI as outstanding debt. For someone with my profile (young, male, moves a lot) that looks pretty risky.

They also didn't like that I had 10 inquiries on EX. I thought I was around 6, but it turns out a few people (mortgage brokers) did HP without me knowing. I'm upset about that, but since the guy I worked with there now left the company, I'm rather out of luck.

I did manage to get my points out - as I had called them the day of shutdown, the online portals hadn't been closed and I took the points as Gift Cards/checks. The GCs came within 5 days, the checks took 15 calendar days.

I'm in the process of cleaning up my TU report (their HP appear on there as well) and should be done within the next 2 weeks. At that time, I'm going to freeze EX, call them back up, and have a little chat. It'll be about 50 days after account closing, and within the 30-60 day time frame they recommended I had to fix EX's excess HPs. I'm not sure how they'll handle having to look at TU (although it helps that the mortgage guy is gone, it's a legit excuse), and they already have my explanation of spending (AGCs, CVS) on file.

One nice thing is I did end up getting miles posted for my last statements - I'd heard that it didn't work out that way, and was pleasantly surprised at my SWRR numbers.

We'll see how the chat goings. If I can't persuade them to open my freedom account back up (one of my oldest CCs), I'll take to Twitter/FB. While they've said I engage in 'risky' behavior (which I'm starting to think is their word for MS), I'll have a clean TU and my utilization levels at 0%.

I'll report back when something changes.
ClearlyANewb is offline  
Old May 10, 14, 7:45 pm
  #319  
 
Join Date: Oct 2013
Posts: 917
Originally Posted by ClearlyANewb View Post
At that time, I'm going to freeze EX, call them back up, and have a little chat.
I'm pretty sure they'll just ask you to unfreeze EX before proceeding with you. Also, can't they just soft pull EX anyways since they've already HP'd you for the previous cards?

AFAIK, a freeze doesn't stop soft pulls.

Anyways, I also saw my statements generate points after being shut down. Going to try to get my accounts reinstated as well.
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Old May 10, 14, 10:59 pm
  #320  
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Originally Posted by ClearlyANewb View Post
To answer these questions from BRC01's letter

I had the 12 of the same letters sent to me - two for each of my six personal cards, one stating that they pulled my TU score, the other that they pulled EX.

I had 55% utilization report on two of my higher CL cards when they did their soft pull, which reported me as having ~15% of my RAI as outstanding debt. For someone with my profile (young, male, moves a lot) that looks pretty risky.

They also didn't like that I had 10 inquiries on EX. I thought I was around 6, but it turns out a few people (mortgage brokers) did HP without me knowing. I'm upset about that, but since the guy I worked with there now left the company, I'm rather out of luck.

I did manage to get my points out - as I had called them the day of shutdown, the online portals hadn't been closed and I took the points as Gift Cards/checks. The GCs came within 5 days, the checks took 15 calendar days.

I'm in the process of cleaning up my TU report (their HP appear on there as well) and should be done within the next 2 weeks. At that time, I'm going to freeze EX, call them back up, and have a little chat. It'll be about 50 days after account closing, and within the 30-60 day time frame they recommended I had to fix EX's excess HPs. I'm not sure how they'll handle having to look at TU (although it helps that the mortgage guy is gone, it's a legit excuse), and they already have my explanation of spending (AGCs, CVS) on file.

One nice thing is I did end up getting miles posted for my last statements - I'd heard that it didn't work out that way, and was pleasantly surprised at my SWRR numbers.

We'll see how the chat goings. If I can't persuade them to open my freedom account back up (one of my oldest CCs), I'll take to Twitter/FB. While they've said I engage in 'risky' behavior (which I'm starting to think is their word for MS), I'll have a clean TU and my utilization levels at 0%.

I'll report back when something changes.
55% utilization on 2 of your high limit cc's with a short credit history is a very bad idea. Its something that everyone should avoid, especially w a thin profile. Most here report well under 10%. Btw., threats of social media will likely get you nowhere. Furthermore, if I was the analyst...you freezing EX would look extremely suspicious.
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Old May 11, 14, 5:56 am
  #321  
 
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Can they check the utilization rate mid cycle? I sometimes carry a relatively large balance prior to the statement closing, but it always gets paid off by the time the statement closes.
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Old May 11, 14, 11:16 am
  #322  
 
Join Date: Aug 2012
Location: BOS
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Originally Posted by dogbyte View Post
Can they check the utilization rate mid cycle? I sometimes carry a relatively large balance prior to the statement closing, but it always gets paid off by the time the statement closes.
Soft pulls from creditors are usually monthly, but it's unlikely that they will line up with your cards reporting their balances. In other words, hard to time.
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Old May 11, 14, 12:06 pm
  #323  
 
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Originally Posted by dogbyte View Post
Can they check the utilization rate mid cycle? I sometimes carry a relatively large balance prior to the statement closing, but it always gets paid off by the time the statement closes.
Some creditors will report mid-cycle. Even before your statement posts.
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Old May 11, 14, 3:26 pm
  #324  
 
Join Date: Oct 2011
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Originally Posted by f0xx View Post
Some creditors will report mid-cycle. Even before your statement posts.
Do you know who reports mid-cycle?
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Old May 11, 14, 3:57 pm
  #325  
 
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Originally Posted by Superorb View Post
Do you know who reports mid-cycle?
Of course.

Note: AmEx is often one billing cycle behind in reporting balances.

Cards that report mid-cycle

Ameriprise (Barclays)
Bank of America (Large charge, lost card, CL re-aalocation)
Bank of America Alaska Air (Eq & Ex 1 day before stmt close, TU 1 day after)
Barclays
Capital One (Personal & Business)
Capital One Union Plus (Day before statement close on TU)
Chase (Unusual activity or $0 balance after payment)
Chase Freedom
Comenity Bank Buckle
Dell
DCU (Last day of month)
(Discover)
Elan
FIA (May report balance when new card is issued due to fraudulent activity)
(GECRB)
HSBC
Lexus
Macy's
Sam's Club
SF Fire CU (24th-28th)
Sportsman's Guide (Comenity)
UMB
US Bank
WFNB
Source
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Old May 12, 14, 7:26 am
  #326  
 
Join Date: May 2014
Posts: 26
Hi ... new here to posting but been reading FT for a while ... just thought to share my experience ... hope this is the correct thread to do so ... logged into my Chase act today ... saw this message ... " your pts balance is temporarily unavailable , please check again later " ... am very worried ... I have not done any heavy MS , have no checking act with them ... have Ink Plus MC since 10 / 12 ... just applied last week for 60 K Ink plus Visa ... have 3 other personal cards ... I guess my ink plus app triggered sthg ?
what to do ?
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Old May 12, 14, 7:29 am
  #327  
 
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Originally Posted by PacUpGo View Post
Hi ... new here to posting but been reading FT for a while ... just thought to share my experience ... hope this is the correct thread to do so ... logged into my Chase act today ... saw this message ... " your pts balance is temporarily unavailable , please check again later " ... am very worried ... I have not done any heavy MS , have no checking act with them ... have Ink Plus MC since 10 / 12 ... just applied last week for 60 K Ink plus Visa ... have 3 other personal cards ... I guess my ink plus app triggered sthg ?
what to do ?
Dump the points!!
Shut down is imminent!

Bummer man!
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Old May 12, 14, 9:54 am
  #328  
 
Join Date: Oct 2011
Posts: 4,167
Originally Posted by f0xx View Post
Of course.



Source
Awesome, thanks. Pretty bummed that Barclays posts mid-cycle. I've been running aGC through them on my Arrival card but always have it paid almost completely before statement closes. I might have to try to stay on top of my high balances from now on. Do you know what would trigger a mid-cycle report for Barclays?
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Old May 12, 14, 10:13 am
  #329  
 
Join Date: May 2014
Posts: 26
quote f0xx [Dump the points!!
Shut down is imminent!

Bummer man! ]
... thx ... thought the same ... moved out what i could ... was blocked from saving all but got the bulk out ( hopefully ! )
see ya chase ... been nice while it lasted !
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Old May 12, 14, 11:38 am
  #330  
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Originally Posted by PacUpGo View Post
Hi ... new here to posting but been reading FT for a while ... just thought to share my experience ... hope this is the correct thread to do so ... logged into my Chase act today ... saw this message ... " your pts balance is temporarily unavailable , please check again later " ... am very worried ... I have not done any heavy MS , have no checking act with them ... have Ink Plus MC since 10 / 12 ... just applied last week for 60 K Ink plus Visa ... have 3 other personal cards ... I guess my ink plus app triggered sthg ?
what to do ?
Its likely a system update of some sort. I've seen this message before, so before panicking check back later. However, I never leave large UR balances just in case
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