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]
Dec 7, 2014, 2:42 am
#707
Join Date: Oct 2014
Posts: 201
I got a warning letter about transfers from my UR to someone else's...yes I sold 140K URs to someone else. The warning letter stated that continuous transfers would lead to account closure..so ok, I'll be a good boy. Today when I called Chase, they said you have to talk to the "security team". I didn't and my account is still active. I am concerned if I talk to that "team" they're talking about, I might be asked what I did with the points. How do I proceed with this? Any experiences?
Dec 7, 2014, 6:27 am
#708
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
I got a warning letter about transfers from my UR to someone else's...yes I sold 140K URs to someone else. The warning letter stated that continuous transfers would lead to account closure..so ok, I'll be a good boy. Today when I called Chase, they said you have to talk to the "security team". I didn't and my account is still active. I am concerned if I talk to that "team" they're talking about, I might be asked what I did with the points. How do I proceed with this? Any experiences?
Dec 7, 2014, 10:54 am
#709
Join Date: Jul 2013
Posts: 1,872
I got a warning letter about transfers from my UR to someone else's...yes I sold 140K URs to someone else. The warning letter stated that continuous transfers would lead to account closure..so ok, I'll be a good boy. Today when I called Chase, they said you have to talk to the "security team". I didn't and my account is still active. I am concerned if I talk to that "team" they're talking about, I might be asked what I did with the points. How do I proceed with this? Any experiences?
Dec 7, 2014, 7:09 pm
#710
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
I hope that's sarcastic!
Either way, please do NOT post your letter here! You've admitted that you've done something against their terms - don't help them link this admission to your account.
I hope your estimate of how many miles you sold is a little bit off the real value so that they can't like you based on that either.
Either way, please do NOT post your letter here! You've admitted that you've done something against their terms - don't help them link this admission to your account.
I hope your estimate of how many miles you sold is a little bit off the real value so that they can't like you based on that either.
Dec 8, 2014, 10:46 am
#711
Join Date: Sep 2014
Posts: 51
Has anyone here gotten their accounts closed for bill pay from too many sources? My friend got all of his chase accounts closed for bill pay from too many sources (1 serve, 1 redbird).
Last edited by letopeto; Dec 8, 2014 at 3:47 pm Reason: wrong cards total
Dec 8, 2014, 2:03 pm
#713
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
There was a poster in that situation several months ago. Read back you will find the related posts. Paying from multiple sources was one of the reasons given for account closures.
Dec 8, 2014, 4:55 pm
#714
Join Date: Jul 2014
Posts: 3,688
brother's business and personal cards were all closed today with a note about 'abuse' which I don't have full details yet. He suspects his Redcard loads the past 2 months may have triggered it 
Dec 8, 2014, 5:54 pm
#715
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Dec 9, 2014, 6:33 am
#716
Join Date: May 2000
Location: HH Gold, Marriott Gold, PC Plat, Emirates Silver
Posts: 2,679
I am starting to buy AMEX gift cards from office max with a bold card to pay $5,000 in tuition to get 25,000 UR points. I already bought $400 , transaction ewas exactly $400 in one transaction ($15 off if buying over $300 so it is as if it is fee free).
I do put other spending on the bold card but clearly it is used as a personal card: groceries, dept store, etc. Do you think these flat dollar transactions will put me at risk if I do a lot of $300 and $400 transactions. If I do $600 and pay a little of the fee it would be $606.95 and I do not like having a transaction end in $6.95.
Any suggestions on the best way to proceed?
I do put other spending on the bold card but clearly it is used as a personal card: groceries, dept store, etc. Do you think these flat dollar transactions will put me at risk if I do a lot of $300 and $400 transactions. If I do $600 and pay a little of the fee it would be $606.95 and I do not like having a transaction end in $6.95.
Any suggestions on the best way to proceed?
Dec 9, 2014, 7:14 am
#717
Join Date: Jul 2014
Location: Austin, TX
Posts: 1,012
Certainly seems like a lot of people load 1k from chase cards a month. They could be viewing Redcard differently, or there's something else to it.
Dec 9, 2014, 12:14 pm
#718
Suspended
Join Date: Sep 2014
Location: PVG, SFO
Programs: UA 1k, AA EXP, SPG Platinum, Hyatt Diamond
Posts: 222
I just want to share my experience about account shutdown by Chase. From Feb. 2012, I aggressively applied for chase cards and got almost all of the cards I want. CSP visa, CSP MasterCard, UA explore personal, UA business, Marriott, IHG, Freedom, BA, Hyatt, InK bold, INK plus... And I abused the bonus category, spent 100k each year in 2012/3 in ice cream. traded UR points for GPUs... Actually I am a lazy man and no time for complex MS. But during the golden day, I can buy 10k ice cream in one trip. Eventually in October 2013, all my chase card got shutdown with over 100,000 UR Points and never got back. Even my checking account, which always have balance over $100,000, was shut down and chase sent me a check and do not want my business. I made some phone calls and it was no help at all. I changed to Citi and AME. I have not applied any chase card until last week. I got 75k AME and 50k USairways approved and no other cards I want to apply. After read this thread, especially JK2, I decided to apply for UA because award availability and Shopping portal. The application was under review and I made a call. The agent asked many question about my identity, even my address ten years ago. Eventually he approved me with 30k credit limit. This Monday, I got the card by UPS and activiAted it and did over 10 transactions. All went OK. Thank God, I am back. I do think Chase made right decision one year ago because nobody want to deal with unprofitable customer. And chase also did right thing this time. 
For people with the similar experience, cheer up, you all deserve another chance.
For people with the similar experience, cheer up, you all deserve another chance.
Dec 9, 2014, 10:33 pm
#719
Join Date: Oct 2014
Posts: 201
I just want to share my experience about account shutdown by Chase. From Feb. 2012, I aggressively applied for chase cards and got almost all of the cards I want. CSP visa, CSP MasterCard, UA explore personal, UA business, Marriott, IHG, Freedom, BA, Hyatt, InK bold, INK plus... And I abused the bonus category, spent 100k each year in 2012/3 in ice cream. traded UR points for GPUs... Actually I am a lazy man and no time for complex MS. But during the golden day, I can buy 10k ice cream in one trip. Eventually in October 2013, all my chase card got shutdown with over 100,000 UR Points and never got back. Even my checking account, which always have balance over $100,000, was shut down and chase sent me a check and do not want my business. I made some phone calls and it was no help at all. I changed to Citi and AME. I have not applied any chase card until last week. I got 75k AME and 50k USairways approved and no other cards I want to apply. After read this thread, especially JK2, I decided to apply for UA because award availability and Shopping portal. The application was under review and I made a call. The agent asked many question about my identity, even my address ten years ago. Eventually he approved me with 30k credit limit. This Monday, I got the card by UPS and activiAted it and did over 10 transactions. All went OK. Thank God, I am back. I do think Chase made right decision one year ago because nobody want to deal with unprofitable customer. And chase also did right thing this time.
For people with the similar experience, cheer up, you all deserve another chance.
For people with the similar experience, cheer up, you all deserve another chance.
Dec 10, 2014, 5:02 am
#720
Suspended
Join Date: Sep 2014
Location: PVG, SFO
Programs: UA 1k, AA EXP, SPG Platinum, Hyatt Diamond
Posts: 222