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]
Sep 23, 2014, 8:05 am
#601
Join Date: Mar 2013
Posts: 50
Thanks guys! Combined all of our non-UR Chase points into a UR account and transferred out last night. I guess all that remains is to bide our time until they close our CCs.
I did call the Loss Prevention Department and they gave me all the same gibber-gabber about Chase choosing to not disclose the reason for their decision etc. I asked if my credit cards were next and they did say that they should still be good to go, but I am taking that with a grain of salt but keeping my fingers crossed. Plan for the worst, hope for the best
I did call the Loss Prevention Department and they gave me all the same gibber-gabber about Chase choosing to not disclose the reason for their decision etc. I asked if my credit cards were next and they did say that they should still be good to go, but I am taking that with a grain of salt but keeping my fingers crossed. Plan for the worst, hope for the best
Sep 23, 2014, 9:29 am
#602
Join Date: Jul 2010
Posts: 2,108
Out of curiosity, what program did you transfer all of your points into?
Sep 23, 2014, 12:15 pm
#603
Join Date: Mar 2013
Posts: 50
United...thought about BA, but I already have about 500k in there and only use those for short-hauls so adding more wouldn't have been real practical since I would never use them all up.
Sep 23, 2014, 1:50 pm
#604
Join Date: May 2013
Posts: 747
Hyatt, United, or Amtrak are the widely accepted 'best' programs to transfer UR to, outside of topping off balances.
Sep 23, 2014, 1:56 pm
#605
Join Date: Sep 2014
Posts: 14
Adavydov7, just wanted to see if we could get some more details of why this may have happened to you. Did you charge Amazon Payments onto any of your chase credit cards? Also, what about your gf and mom? Did they charge AP onto your chase credit cards (or were they authorized users on your chase cc's)? Did you also do any significant MO or cash deposits into your chase checking account?
Sep 23, 2014, 2:20 pm
#606
Join Date: Mar 2013
Posts: 50
@shoosh: sure I'll provide as much detail as I can/remember.
I would say that the majority of the AP charges were NOT to my Chase cards. It was pretty much different cards every single month (whichever ones I was trying to satisfy spend for that particular month). So there were a lot of Amex, Citi, Barclays and Chase cards mixed in. So yes there were Chase cards, but they were in the minority of all the cards I was cycling through when doing AP. Same for my GF and mom (they basically had the same exact cards I did, because when I apply for cards I pick 2-3 good ones and get them for everyone at the same time to save myself time and hassle). I will say that the cards used didn't always correspond to the name on the AP account (for instance I may have sent money using my CC from my mom's AP account), though I don't know if that is neither here nor there.
Absolutely no MO or Bluebird activity on any of the three checking accounts.
Not really any significant deposits relative to balances. My girlfriend would send me money for expenses/bills I paid via Quickpay outside of the AP amounts that were transferred into her checking, but my mom never did this.
I think that about covers it, if I were to speculate based on some of the responses here and just thinking through how a bank would go about doing this, I would have to say the reason my account was probably flagged is due to the regular nature of AP deposits into each of our checking accounts followed immediately by their transfer into my checking account from my GF's and mom's accounts. If I had it to do over again I would skip the last step of Quickpay-ing all the transferred in money and just pay the CCs used for AP directly from each respective checking accounts. Note: I think this is the thing that pisses me off most about the whole situation, true or not, but I believe I am basically being blackballed for having used Chase's transfer service that they've been touting all over the place for months (years?) now!
I would say that the majority of the AP charges were NOT to my Chase cards. It was pretty much different cards every single month (whichever ones I was trying to satisfy spend for that particular month). So there were a lot of Amex, Citi, Barclays and Chase cards mixed in. So yes there were Chase cards, but they were in the minority of all the cards I was cycling through when doing AP. Same for my GF and mom (they basically had the same exact cards I did, because when I apply for cards I pick 2-3 good ones and get them for everyone at the same time to save myself time and hassle). I will say that the cards used didn't always correspond to the name on the AP account (for instance I may have sent money using my CC from my mom's AP account), though I don't know if that is neither here nor there.
Absolutely no MO or Bluebird activity on any of the three checking accounts.
Not really any significant deposits relative to balances. My girlfriend would send me money for expenses/bills I paid via Quickpay outside of the AP amounts that were transferred into her checking, but my mom never did this.
I think that about covers it, if I were to speculate based on some of the responses here and just thinking through how a bank would go about doing this, I would have to say the reason my account was probably flagged is due to the regular nature of AP deposits into each of our checking accounts followed immediately by their transfer into my checking account from my GF's and mom's accounts. If I had it to do over again I would skip the last step of Quickpay-ing all the transferred in money and just pay the CCs used for AP directly from each respective checking accounts. Note: I think this is the thing that pisses me off most about the whole situation, true or not, but I believe I am basically being blackballed for having used Chase's transfer service that they've been touting all over the place for months (years?) now!
Sep 23, 2014, 3:40 pm
#607
Join Date: Sep 2014
Posts: 14
Sorry to hear that chase did this to you.
Another question I had...after your gf and mom quickpayed into your account, did you pay off their AP credit card charges from your chase checking account?
Another question I had...after your gf and mom quickpayed into your account, did you pay off their AP credit card charges from your chase checking account?
Sep 23, 2014, 3:59 pm
#608
Join Date: Mar 2013
Posts: 50
Yep, I paid their AP charges from my Chase account.
Sep 23, 2014, 4:11 pm
#609
Join Date: Sep 2014
Posts: 14
I still find it strange chase would do a shut down for this. Does anyone else find this strange as well or am I missing something regarding why this would get flagged?
Sep 23, 2014, 4:41 pm
#610
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
I think it's not just the AP deposits, but the fact that you did immediate transfer out of the funds after the deposit. In all of my prepaid card account shut downs, the primary trigger was velocity of funding/liquidation.
Upon further reflection, now that basically all of the prepaid card plays are over with (can't fund via credit card any more), I guess I should be proud to say that I've been shut down by pretty much all of them. So...it's not that the opportunities passed me by, it's that I maxed them out while they were available. Never before have I been so pleased with such a recurring string of failures before.
Sep 23, 2014, 5:08 pm
#611
Join Date: Sep 2014
Posts: 14
Velocity of funding/liquidation for prepaid cards like Myvanilla Debit?
Why would immediate transfer of funds out after the deposit/quickpay trigger the checking account shutdown?
Why would immediate transfer of funds out after the deposit/quickpay trigger the checking account shutdown?
Sep 23, 2014, 5:21 pm
#612
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
We will never know the true trigger, but a deposit from AP which is immediately then ACH'd out to another bank just looks suspicious, if you're looking for such things. Looks like you're trying to move money around just for the sake of moving money (ie, laundering) - as opposed to handling personal finances.
It's just my guess, but AP alone or ACH transfer alone = not that big a deal.
AP + immediate ACH = suspicious
Sep 24, 2014, 12:50 am
#613
Join Date: Jul 2013
Posts: 1,872
if this it not mentioned, how old were your chase accounts?
Sep 24, 2014, 7:25 am
#614
Join Date: Mar 2013
Posts: 50
Chase checking accounts or my chase credit cards that I used for AP?
My checking account was about 10yrs old, mom's was older, gf's was probably around 7-8yrs old.
My checking account was about 10yrs old, mom's was older, gf's was probably around 7-8yrs old.
Sep 24, 2014, 2:26 pm
#615
Join Date: Mar 2014
Posts: 226
Wow, yours is a little more convoluted than mine, but like many on here, I would xfer money out of AP (and my families' AP accounts), and then use Venmo to consolidate in one checking account to pay off the CCs. Sorry to see AP disappearing, but it will also reduce the amount of these transactions I'm running through checking.