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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 Jul 9, 15, 11:41 pm
  #946  
 
Join Date: Jul 2011
Location: North America
Posts: 2,193
I guess 'nothing could be done' so the rep decided to carry out your wishes.

On a serious note, Chase has a serious long-standing breach which they fail to acknowledge for at least 3 years now.
CodeAdam10 is offline  
Old Jul 20, 15, 10:35 am
  #947  
 
Join Date: Jul 2015
Posts: 278
Originally Posted by mxnick View Post
I have nearly 35 accounts
Another option would be to split the accounts across a few cards for a little while to see which one duplicates the issue. If the problem follows one of the accounts, shift all of the others back to the desired card, and then further subdivide the group with the problem. You'll get there with each hack.

I have had problems at restaurants before. Because of that, I only have one dedicated restaurant card that leaves my site for dining. Nothing auto-drafts from that card. It's very simple for me that way.
Newgene is offline  
Old Jul 20, 15, 4:56 pm
  #948  
 
Join Date: Aug 2013
Location: New York, NY
Posts: 35
Is there a consensus on how long it takes to get reapproved for new accounts after a "unsatisfactory relationship" closure?
ruahamore is offline  
Old Jul 20, 15, 5:10 pm
  #949  
RNE
 
Join Date: Sep 2005
Location: AKC
Posts: 8,948
Originally Posted by ruahamore View Post
Is there a consensus on how long it takes to get reapproved for new accounts after a "unsatisfactory relationship" closure?
There is no consensus on that or anything else that has gone on lately—not that people won't vociferously assure you otherwise. Good luck.
RNE is offline  
Old Jul 21, 15, 5:48 am
  #950  
 
Join Date: Sep 2012
Location: IAH
Posts: 418
Originally Posted by ruahamore View Post
Is there a consensus on how long it takes to get reapproved for new accounts after a "unsatisfactory relationship" closure?
It could depend on why the accounts were closed. What events preceded your closure?
Slickw is offline  
Old Jul 21, 15, 7:33 am
  #951  
Suspended
 
Join Date: Dec 2014
Posts: 8,460
Originally Posted by ruahamore View Post
Is there a consensus on how long it takes to get reapproved for new accounts after a "unsatisfactory relationship" closure?
Yes I think the conclusion was 413.2 days.
TMM1982 is offline  
Old Jul 22, 15, 11:35 pm
  #952  
 
Join Date: May 2015
Posts: 441
Originally Posted by TMM1982 View Post
Yes I think the conclusion was 413.2 days.
absolutely, but keep in mind that the .2 is critical for the application to be submitted...if you try at 413.19, or at 413.21, days you are SOL so be ready and precise with timing
travelfreaks is offline  
Old Jul 23, 15, 12:30 am
  #953  
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Join Date: Dec 2014
Posts: 8,460
Originally Posted by travelfreaks View Post
absolutely, but keep in mind that the .2 is critical for the application to be submitted...if you try at 413.19, or at 413.21, days you are SOL so be ready and precise with timing
My experience as well. When I tried at 413.19, it was a straight out rejection. When attempted at 413.21, I was told to call their hotline for reconsideration. After a few questions, I was straight out rejected. Again this was for UR cards so not sure if it applies to co-branded cards as well but someone may want to confirm that when they have the opportunity.
TMM1982 is offline  
Old Jul 23, 15, 3:41 pm
  #954  
 
Join Date: Sep 2013
Location: SMF
Posts: 1,246
Originally Posted by TMM1982 View Post
My experience as well. When I tried at 413.19, it was a straight out rejection. When attempted at 413.21, I was told to call their hotline for reconsideration. After a few questions, I was straight out rejected. Again this was for UR cards so not sure if it applies to co-branded cards as well but someone may want to confirm that when they have the opportunity.
I don't think we can accept your data point until it's been verified by some other people who have reported the same thing. Since it seems this is an uncommon occurrence I went ahead and called Chase and asked them to blacklist me so I could add my data point. So far, I can confirm they will not reinstate you at .64 days. Will report back after the 413.2 days.
Big4Flyer is offline  
Old Jul 24, 15, 1:03 am
  #955  
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Join Date: Dec 2014
Posts: 8,460
Originally Posted by Big4Flyer View Post
I don't think we can accept your data point until it's been verified by some other people who have reported the same thing. Since it seems this is an uncommon occurrence I went ahead and called Chase and asked them to blacklist me so I could add my data point. So far, I can confirm they will not reinstate you at .64 days. Will report back after the 413.2 days.
I'm a big fan of people taking one for the team. Appreciate it Big.
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Old Jul 25, 15, 5:44 pm
  #956  
 
Join Date: Dec 2008
Posts: 375
Originally Posted by Big4Flyer View Post
I don't think we can accept your data point until it's been verified by some other people who have reported the same thing. Since it seems this is an uncommon occurrence I went ahead and called Chase and asked them to blacklist me so I could add my data point. So far, I can confirm they will not reinstate you at .64 days. Will report back after the 413.2 days.
Chase must like me more. I didn't even have to ask.
I can see for miles is offline  
Old Jul 26, 15, 9:09 am
  #957  
 
Join Date: Aug 2013
Posts: 1,465
Originally Posted by mxnick View Post
Nah, lots of different user names and passwords, that is what makes changing all the linked accounts so hard!
Keep in mind one of the businesses you use the credit card at might be compromised directly and that would have nothing to do with the relative strength or weakness of your passwords. If they own the database they don't need your creds.
36902BRF is offline  
Old Jul 29, 15, 9:59 pm
  #958  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by travelfreaks View Post
absolutely, but keep in mind that the .2 is critical for the application to be submitted...if you try at 413.19, or at 413.21, days you are SOL so be ready and precise with timing
Well now... I go out of the country for 3 weeks and this happens :lol:
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Old Jul 31, 15, 1:10 pm
  #959  
 
Join Date: May 2015
Posts: 441
Originally Posted by Superorb View Post
Well now... I go out of the country for 3 weeks and this happens :lol:
No worries. You will get another chance at the 826.4 day mark. Plan your holidays accordingly for late 2016 though
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Old Aug 1, 15, 11:37 pm
  #960  
 
Join Date: Oct 2011
Posts: 4,163
Originally Posted by travelfreaks View Post
No worries. You will get another chance at the 826.4 day mark. Plan your holidays accordingly for late 2016 though
826.4, got it!
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