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, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
Chase closed my credit card account(s) [Archived 2013-mid 2019]
May 8, 2015, 1:00 pm
#871
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
20k maybe? across a bunch of accounts all 499-500$ - but again, I do not have chase checking and I actually pulled by Chex report 1 month ago and all was well. The account that pays chase doesn't get any mo deposits.
Pulled all my credit reports. Definitely no late payments or derogatory marks with anyone....I do not have any financial issues whatsoever. In the last 3 years I have opened 4 chase accounts (3 were still open, only 1 closed by me). I sold some points (that were transferred to a united account) a year ago. It was a one time sale. Would something that old still come into play?
are people's spouses typically axed when this happens? I'm trying to gauge that risk factor.
Pulled all my credit reports. Definitely no late payments or derogatory marks with anyone....I do not have any financial issues whatsoever. In the last 3 years I have opened 4 chase accounts (3 were still open, only 1 closed by me). I sold some points (that were transferred to a united account) a year ago. It was a one time sale. Would something that old still come into play?
are people's spouses typically axed when this happens? I'm trying to gauge that risk factor.
May 8, 2015, 1:08 pm
#872
Join Date: May 2013
Posts: 747
Hate to say it, but there isn't exactly a statute of limitations on ToS violations. Very likely the selling of the points is what bit you, as they probably flagged the UA account the points were sent to after seeing umpteen transfers to it, then back researched all of those transfers and are nixxing them.
May 8, 2015, 1:15 pm
#873
Join Date: Oct 2014
Posts: 265
OP is asking about his spouse - anyone know that can help him out?
I wonder if the shutdown has to do with the business income. I have several ink cards and use them all - for legit business expenses, granted mostly bonus spend. I have good legitimate business income though. Seems like a long time from him selling the points to target him for that now, but I guess it is feasible as well.
I wonder if the shutdown has to do with the business income. I have several ink cards and use them all - for legit business expenses, granted mostly bonus spend. I have good legitimate business income though. Seems like a long time from him selling the points to target him for that now, but I guess it is feasible as well.
May 8, 2015, 1:25 pm
#874
Join Date: May 2013
Posts: 747
Speculative assumption on my part is that they nabbed the purchaser for repeat transfers not matching names, looked into history of UR > UA transfers from other accounts, and processed shutdowns on those. However, there is also a definite possibility they didn't like the amount of (or lack there of) income the business generated and decided to nix the risk.
As far as the spouse things go, I couldn't tell you where for sure, but I know I've read multiple times of all Chase holders at the same address being shutdown, regardless of last name even. There again, who knows what Chase decides to do, depends if they spill coffee on their shirt and are having a bad day it seems like.
As far as the spouse things go, I couldn't tell you where for sure, but I know I've read multiple times of all Chase holders at the same address being shutdown, regardless of last name even. There again, who knows what Chase decides to do, depends if they spill coffee on their shirt and are having a bad day it seems like.
May 8, 2015, 1:58 pm
#875
Join Date: Oct 2014
Posts: 265
As far as the spouse things go, I couldn't tell you where for sure, but I know I've read multiple times of all Chase holders at the same address being shutdown, regardless of last name even. There again, who knows what Chase decides to do, depends if they spill coffee on their shirt and are having a bad day it seems like.
http://www.flyertalk.com/forum/chase...ount-s-53.html
Read posts about "unstableone"
May 8, 2015, 2:53 pm
#876
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
are people's spouses typically axed when this happens? I'm trying to gauge that risk factor.
May 8, 2015, 4:57 pm
#877
Join Date: Feb 2015
Posts: 119
Woke up to this dreaded message from Chase:
We're sorry - we suspended your access to chase.com because of recent activity on your account. To re-activate your access, please call us at 1-877-691-8086 and choose option 3. If you are outside the U.S., please call us at 1-713-427-6380. Commercial customers please contact your Client Service Professional or Client Service Officer.
Called in and after 1 hour on hold they told me to go to a branch. Branch rep said I they just needed to fill out an SSA-89 for the checking account that I just opened ($300 bonus). They said it would take 1 business day to restore access.
I just yesterday sold a bunch of UR (multiple transfers to 3rd parties) and was paid via Chase QP but neither the phone or branch rep mentioned anything about it.
We're sorry - we suspended your access to chase.com because of recent activity on your account. To re-activate your access, please call us at 1-877-691-8086 and choose option 3. If you are outside the U.S., please call us at 1-713-427-6380. Commercial customers please contact your Client Service Professional or Client Service Officer.
Called in and after 1 hour on hold they told me to go to a branch. Branch rep said I they just needed to fill out an SSA-89 for the checking account that I just opened ($300 bonus). They said it would take 1 business day to restore access.
I just yesterday sold a bunch of UR (multiple transfers to 3rd parties) and was paid via Chase QP but neither the phone or branch rep mentioned anything about it.
May 8, 2015, 5:03 pm
#878
Join Date: Jul 2014
Posts: 53
I just yesterday sold a bunch of UR
May 8, 2015, 6:49 pm
#882
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,044
It's a lot easier and less burdensome for Chase to shut you down for generic, non-specific reasons than for them to try to make a case that you sold miles. To them, they are going to shut you down. Why not take the easy route?
May 8, 2015, 7:07 pm
#883
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
I've had it! This thread needs a "clean hands doctrine" before anyone posts another "Why me!?" wail. If you've done something (even slightly) wrong, spare us the sob story and take your lumps.
RNE, tired of having to beat the whole story out of Chase's "victims."
RNE, tired of having to beat the whole story out of Chase's "victims."
May 8, 2015, 8:58 pm
#884
Join Date: Apr 2015
Posts: 16
Technically he or she isn't suppose to proceed until they have you sign it, unless it didn't pop up during the account opening process.
Ss89 is pretty common.
May 9, 2015, 7:13 am
#885
Join Date: Aug 2011
Posts: 404
My wife and my finances are pretty separate. she pays accounts with different banks etc. the only thing shared is address. is it worth changing?