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]
Nov 16, 2016, 6:28 am
#1246
Join Date: Dec 2010
Posts: 1,516
Was your first shutdown due to MS? I agree that getting eyes on your account post shutdown is what got you shutdown this time. After all of that, did the dispute even get resolved? They should still resolve the issue since you had a valid credit card account when you filed it. If not, cfpb them.
Nov 16, 2016, 2:20 pm
#1247
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
AMEX versus Chase in handling dispute
Nov 17, 2016, 1:29 am
#1248
Join Date: Jul 2010
Location: NYC
Programs: CO Platinum/1K, SPG Platinum/Ambassador
Posts: 1,705
If Chase closes your card for a reason other than perk abuse, do they still confiscate all the UR points immediately or will they let you transfer out?
Nov 17, 2016, 7:42 am
#1249
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Nov 17, 2016, 9:01 am
#1250
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
I agree, reading the DPs are eyeopener. In general AMEX comes shining. The big difference is AMEX handles the claims with in house insurance dept while other banks contracted the function to 3rd party companies.
Nov 18, 2016, 1:59 pm
#1251
Join Date: Dec 2010
Posts: 1,516
So, in the future, when I will be able to open a Chase card again, I will be always SOL, if eyes would be on my account for any reason? Like they never forget....
Nov 19, 2016, 8:07 pm
#1252
Join Date: Dec 2015
Posts: 530
Chase gives you like 30 day window to do whatever with your points. Citi confiscates them.
Last edited by runb4fun; Nov 19, 2016 at 8:12 pm
Nov 21, 2016, 11:32 am
#1253
Join Date: Aug 2013
Posts: 1,207
Unless your 1st shutdown was related to not paying your bills or something of that nature, you should be able to get back in few years down the road. I think 2-4 year DP was thrown around here but I can't remember for sure. Also, I think one can apply and hold on to Ritz card after shutdown. Again I don't 100% recall this but I believe there was a DP here regarding Ritz.
Nov 21, 2016, 12:03 pm
#1254
Join Date: Dec 2010
Posts: 1,516
That's true. But it seems I wouldn't be able to use any benefits of the card (charge dispute, claims, etc), because of the eyes...
Nov 21, 2016, 1:05 pm
#1255
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
As for the benefits of the cards, well, consider that you have been able to get sign up bonuses again after initial shutdown versus many others couldn't...
Or if you feel that is not enough, then just tell Chase to go hell and you put the spend elsewhere.
Nov 21, 2016, 1:13 pm
#1256
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
I was shut down March 2014. I got back in with chase reserve in October. No CC signups in past 2 years (due to mortgage). I also opened another ink plus Mid Oct in Branch. Gto approved for that as well.
I logged in to my ink plus account and it says closed.
I haven't put any MS type charges on my account. I bought a software license from swtizerland for my work and not sure if that got eyes om my account.
Sapphire reserve is still open. It would be terrible if that gets cancelled.
I logged in to my ink plus account and it says closed.
I haven't put any MS type charges on my account. I bought a software license from swtizerland for my work and not sure if that got eyes om my account.
Sapphire reserve is still open. It would be terrible if that gets cancelled.
Nov 22, 2016, 1:45 am
#1258
Join Date: Jul 2011
Posts: 775
2.anyone-- after time of shut down time was up-- how long have you had cards opened that you reopened ?
3. Anyone shut down 13 months or less cards n chkg--- able to reopen and stay reopened ?
Nov 22, 2016, 5:00 am
#1259
Join Date: Dec 2010
Posts: 1,516
How many times you were shut down by Chase? IIRC you were the only one who was able to reopen a card in less than 18 months after initial shut down. Then it was shutdown again. Then you were able to open another card...
As for the benefits of the cards, well, consider that you have been able to get sign up bonuses again after initial shutdown versus many others couldn't...
Or if you feel that is not enough, then just tell Chase to go hell and you put the spend elsewhere.
As for the benefits of the cards, well, consider that you have been able to get sign up bonuses again after initial shutdown versus many others couldn't...
Or if you feel that is not enough, then just tell Chase to go hell and you put the spend elsewhere.
My MS was $2K per statement with other legitimate purchases. Since the card (fairmont) earning 1 pt I don't believe chase did care about ms on that card. Especially, my CL was $33K. No new CC recently. CL utilization across the board was < 1%.
Nov 22, 2016, 9:25 am
#1260
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,767
3 times. The last one was very quick - after 3 months from opening the card. After first shutdown, my cards were opened for 1.5 years. Now I mostly think that my second and third shutdown were due to charge dispute (because it happened shortly after I filed a dispute) and human attention to my account.
My MS was $2K per statement with other legitimate purchases. Since the card (fairmont) earning 1 pt I don't believe chase did care about ms on that card. Especially, my CL was $33K. No new CC recently. CL utilization across the board was < 1%.
My MS was $2K per statement with other legitimate purchases. Since the card (fairmont) earning 1 pt I don't believe chase did care about ms on that card. Especially, my CL was $33K. No new CC recently. CL utilization across the board was < 1%.
You want to stay under the radar for a long time so to "rebuild" the relationship... just sayin.