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]
#331
Suspended
Join Date: Mar 2013
Posts: 465
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 ?
what to do ?
#332
Join Date: May 2014
Posts: 26
quote [ Chuck Mango ] are you recycling your credit limit ?
probably not since I do not know what you mean
@skibum7732 ... I wonder ... why immediately after a new app ?
Now I have moved out my pts though ... even if it began as a glitch they are now most likely more seriously red flagging
thx for your feedback ... hope you are right though ski bum & I have a chance to salvage my relationship
probably not since I do not know what you mean
@skibum7732 ... I wonder ... why immediately after a new app ?
Now I have moved out my pts though ... even if it began as a glitch they are now most likely more seriously red flagging
thx for your feedback ... hope you are right though ski bum & I have a chance to salvage my relationship
#334
Join Date: Nov 2012
Posts: 294
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 ?
what to do ?
#335
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
I was told by the judge that my points have 0 value. SCC only deals with monetary issue, I should file in circuit court to get my points back and these rewards won't matter that much to me if I don't have it(it's true, I still have to move on to my life without it).
Although it is true in most T&Cs mention that your points/miles carry no value, it does not automatically mean it is a closed case on the value, as:
1. Points/miles have a cash equivalent value based on the reward. For example, 10K points for $100 statement credit. So in the perspective of the Defendant (banks), it carries a value, even for internal accounting only.
2. A lot of banks allow points/miles purchase. Their prices are the value perceived.
Seriously, I have my enough share to say all Small Claims judges I deal with don't know a jack thing about law.
I will suggest to take further actions based on what is allowed. For example, in CA, a losing plaintiff can't appeal, but can ask the court to change the judgment by pointing out the errors.
#336
Join Date: May 2014
Posts: 26
no cycling going on as to the meaning UA gave ... just maybe got a little jittery... though act still locked up tight 3 days now ... just the biz act ... personal ones accessible still ... 0 balance on biz when I know there is spend ... have auto pymts on it ... guess will see how it goes ... strange !
#337
Join Date: Oct 2013
Posts: 920
Guess it's time to take my business elsewhere! I shut down my Chase checking account since I won't be playing with them for a couple years.
#338
Suspended
Join Date: Dec 2013
Posts: 632
Dumped 300k points last night. Not taking any chances with the recent reports of both Citi and Chase shutdowns.
#339
Join Date: May 2014
Posts: 26
Eureka !
Avoided recon like the plague but Sm'd a few times ... very courteous , enquiring etc ... noticed after the pts unavailable message that there was a new ( unknown to me ) Ink # listed online ... cautiously optimistic ( or wondering whether it was an auto switch over from MC to VISA ) I tread lightly ... called the app status tele # yesterday ... was put on hold , waited for " specialist " ... told them I did not have the time just then but would call back later ... then today ... the " Holy Grail " ... well only if I also get the 60 K ! ... will keep y'all posted ... sweated bullets over this one & am done with churning' etc for a while ... time to sit back & enjoy the summer earning 5 X ! ... good luck to others waiting to hear !
PS ... received all the messages with different timings as to when I would be notified ... did the call from my landline yesterday .. did this confirm security questions perhaps ? ... that did seem to be a concern for them ...
Sadly , prior to ... I panicked & ditched all previous pts ... oh well ... onwards into the fog ! ... @ least the newly parked pts are very usable in the near future ... new trip plans !
#341
Join Date: May 2014
Posts: 26
@ UMC
that was a h ____ of a long updating period ... 2 weeks & counting !
like I said ... sweating bullets & am done ... you all continue to have fun
like I said ... sweating bullets & am done ... you all continue to have fun
#342
Join Date: Oct 2011
Posts: 4,166
Approved for the new Ink V ... e mail confirmation today
Avoided recon like the plague but Sm'd a few times ... very courteous , enquiring etc ... noticed after the pts unavailable message that there was a new ( unknown to me ) Ink # listed online ... cautiously optimistic ( or wondering whether it was an auto switch over from MC to VISA ) I tread lightly ... called the app status tele # yesterday ... was put on hold , waited for " specialist " ... told them I did not have the time just then but would call back later ... then today ... the " Holy Grail " ... well only if I also get the 60 K ! ... will keep y'all posted ... sweated bullets over this one & am done with churning' etc for a while ... time to sit back & enjoy the summer earning 5 X ! ... good luck to others waiting to hear !
PS ... received all the messages with different timings as to when I would be notified ... did the call from my landline yesterday .. did this confirm security questions perhaps ? ... that did seem to be a concern for them ...
Sadly , prior to ... I panicked & ditched all previous pts ... oh well ... onwards into the fog ! ... @ least the newly parked pts are very usable in the near future ... new trip plans !
Avoided recon like the plague but Sm'd a few times ... very courteous , enquiring etc ... noticed after the pts unavailable message that there was a new ( unknown to me ) Ink # listed online ... cautiously optimistic ( or wondering whether it was an auto switch over from MC to VISA ) I tread lightly ... called the app status tele # yesterday ... was put on hold , waited for " specialist " ... told them I did not have the time just then but would call back later ... then today ... the " Holy Grail " ... well only if I also get the 60 K ! ... will keep y'all posted ... sweated bullets over this one & am done with churning' etc for a while ... time to sit back & enjoy the summer earning 5 X ! ... good luck to others waiting to hear !
PS ... received all the messages with different timings as to when I would be notified ... did the call from my landline yesterday .. did this confirm security questions perhaps ? ... that did seem to be a concern for them ...
Sadly , prior to ... I panicked & ditched all previous pts ... oh well ... onwards into the fog ! ... @ least the newly parked pts are very usable in the near future ... new trip plans !
#343
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,044
I can't follow that at all. Gave up. I'd be even the OP couldn't read it back tomorrow and understand it.
#344
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
Approved for the new Ink V ... e mail confirmation today
Avoided recon like the plague but Sm'd a few times ... very courteous , enquiring etc ... noticed after the pts unavailable message that there was a new ( unknown to me ) Ink # listed online ... cautiously optimistic ( or wondering whether it was an auto switch over from MC to VISA ) I tread lightly ... called the app status tele # yesterday ... was put on hold , waited for " specialist " ... told them I did not have the time just then but would call back later ... then today ... the " Holy Grail " ... well only if I also get the 60 K ! ... will keep y'all posted ... sweated bullets over this one & am done with churning' etc for a while ... time to sit back & enjoy the summer earning 5 X ! ... good luck to others waiting to hear !
PS ... received all the messages with different timings as to when I would be notified ... did the call from my landline yesterday .. did this confirm security questions perhaps ? ... that did seem to be a concern for them ...
Sadly , prior to ... I panicked & ditched all previous pts ... oh well ... onwards into the fog ! ... @ least the newly parked pts are very usable in the near future ... new trip plans !
Avoided recon like the plague but Sm'd a few times ... very courteous , enquiring etc ... noticed after the pts unavailable message that there was a new ( unknown to me ) Ink # listed online ... cautiously optimistic ( or wondering whether it was an auto switch over from MC to VISA ) I tread lightly ... called the app status tele # yesterday ... was put on hold , waited for " specialist " ... told them I did not have the time just then but would call back later ... then today ... the " Holy Grail " ... well only if I also get the 60 K ! ... will keep y'all posted ... sweated bullets over this one & am done with churning' etc for a while ... time to sit back & enjoy the summer earning 5 X ! ... good luck to others waiting to hear !
PS ... received all the messages with different timings as to when I would be notified ... did the call from my landline yesterday .. did this confirm security questions perhaps ? ... that did seem to be a concern for them ...
Sadly , prior to ... I panicked & ditched all previous pts ... oh well ... onwards into the fog ! ... @ least the newly parked pts are very usable in the near future ... new trip plans !