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]
Feb 9, 2017, 12:00 pm
#1291
Join Date: Apr 2004
Location: CA
Posts: 1,310
I logged into my chase account today (I have multiple CC and banking relationships under one login)
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
Feb 9, 2017, 2:11 pm
#1293
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,952
I logged into my chase account today (I have multiple CC and banking relationships under one login)
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
Exact same thing happened to me with Amex and I freaked out but then all was fine on the mobile app. Regular website resolved about half hour later. While that wasn't chase, it seems like a computer glitch and that's it.
Feb 9, 2017, 2:24 pm
#1294
Join Date: Apr 2011
Location: Colorado
Programs: Alaska, Shell VC, Wyndham VC, Starwood, RCI, II--I bought it on eBay!
Posts: 159
Right before my statement closing dates, my Ink always shows no activity. It's odd, but it does happen. I rarely log into my account at exactly that time, but I have seen the same messages. The first time, I was worried. But the second time, I knew it was something to do with the closing of the current statement (and the timing was just right for the statement closing).
Feb 9, 2017, 4:29 pm
#1295
Join Date: Apr 2004
Location: CA
Posts: 1,310
Mine went back to normal after logging out and back in without VPN. whew~
Feb 9, 2017, 9:25 pm
#1296
Join Date: Sep 2015
Location: Los Angeles
Posts: 740
I logged into my chase account today (I have multiple CC and banking relationships under one login)
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
My Ink bold shows "not available", UR side doesn't even show this account.
When i go into this account via another account of mine, i'm able to see account activity history. I am able to see everything via the mobile app.
I understand if it is the wknd, but i've never seen it during the week.
I tried calling the 800 number, they said no issues w the card, read off the proper point balance.
Is this the first sign of a shut down or just a technical glitch?
The mobile app was fine though and after a while the main website came back to its senses.
JCD
Feb 11, 2017, 7:23 am
#1297
Join Date: Aug 2005
Location: DFW
Posts: 1,249
I need an advice.
After my last Chase shutdown, I applied again for IHG and Ritz cards. First one was instantly approved, Ritz went pending. Today I got a letter that states that Chase wouldn't approve for Ritz card, because I have a Ritz card. The thing is, I HAD a Ritz card, that was shutdown a year ago together with other cards. For some reason, I still see it on my account, even if it says 'account is closed'. So, here is the dilemma ........?
After my last Chase shutdown, I applied again for IHG and Ritz cards. First one was instantly approved, Ritz went pending. Today I got a letter that states that Chase wouldn't approve for Ritz card, because I have a Ritz card. The thing is, I HAD a Ritz card, that was shutdown a year ago together with other cards. For some reason, I still see it on my account, even if it says 'account is closed'. So, here is the dilemma ........?
I'm still waiting to reapply but, in the meantime, I am still getting the IHG and Hyatt free nights along with the UA cardholder benefits.
I think that that there is a glitch in the card shutdown process where parts are left active.
Feb 11, 2017, 7:34 am
#1298
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,952
Im in a similar spot where the cards are closed but Chase acts like they are still open.
I'm still waiting to reapply but, in the meantime, I am still getting the IHG and Hyatt free nights along with the UA cardholder benefits.
I think that that there is a glitch in the card shutdown process where parts are left active.
I'm still waiting to reapply but, in the meantime, I am still getting the IHG and Hyatt free nights along with the UA cardholder benefits.
I think that that there is a glitch in the card shutdown process where parts are left active.
Feb 12, 2017, 12:46 pm
#1299
Join Date: Dec 2007
Posts: 121
I must be one some deep level black list. I last had a Chase checking account in 2010 into which I did deposit $5k to $20k per month in dollar coins. One time the teller almost certainly filed a suspicious activity report on me. I definitely was not "structuring" because I think it is physically impossible to move $10k in dollar coins on the sidewalks of Manhattan. That realization may escape them though.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
Feb 13, 2017, 7:42 am
#1300
Join Date: Oct 2011
Posts: 4,166
I must be one some deep level black list. I last had a Chase checking account in 2010 into which I did deposit $5k to $20k per month in dollar coins. One time the teller almost certainly filed a suspicious activity report on me. I definitely was not "structuring" because I think it is physically impossible to move $10k in dollar coins on the sidewalks of Manhattan. That realization may escape them though.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
Feb 14, 2017, 3:02 am
#1301
Join Date: Dec 2010
Posts: 1,516
I must be one some deep level black list. I last had a Chase checking account in 2010 into which I did deposit $5k to $20k per month in dollar coins. One time the teller almost certainly filed a suspicious activity report on me. I definitely was not "structuring" because I think it is physically impossible to move $10k in dollar coins on the sidewalks of Manhattan. That realization may escape them though.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
I opened an account on Monday to get the $350 promo. Yesterday I received a letter dated Tuesday stating they can "no longer service [my] account." I thought it would at least take a few weeks.
Chase never had any direct loses from me. I never paid a card late. No one ever told me I could not deposit dollar coins. Has anyone else been blacklisted for such a long period due to dollar coin deposits? At seven years running, I suspect this might be indefinite. I am not even sure dropping a few $100k into private client services would help.
Feb 16, 2017, 10:41 pm
#1302
Join Date: Feb 2017
Posts: 2
Am I risking it?
Approved for ink preferred in early January for 7k. Hit 5k spend in a month with 1VGC for 500.
Applied and approved for CSP 2/12, called immediately to see if I could cancel and reapply with different link. Did so and approved again. Ended up as 2 pulls even though they said it would be 1. Applied and denied for SW BIZ on 2/13, reconned and approved after explaining double CSP pull.
Have had my new CSP flagged for fraud 3 times in 24 hours. The first was for a VGC. In each case I've been able to call and have them remove the hold. is this as bad of a sign as it seems? Isnt CSP sort of known for having really strong anti fraud protection?
Applied and approved for CSP 2/12, called immediately to see if I could cancel and reapply with different link. Did so and approved again. Ended up as 2 pulls even though they said it would be 1. Applied and denied for SW BIZ on 2/13, reconned and approved after explaining double CSP pull.
Have had my new CSP flagged for fraud 3 times in 24 hours. The first was for a VGC. In each case I've been able to call and have them remove the hold. is this as bad of a sign as it seems? Isnt CSP sort of known for having really strong anti fraud protection?
Feb 17, 2017, 10:01 am
#1303
Join Date: Oct 2011
Posts: 4,166
Approved for ink preferred in early January for 7k. Hit 5k spend in a month with 1VGC for 500.
Applied and approved for CSP 2/12, called immediately to see if I could cancel and reapply with different link. Did so and approved again. Ended up as 2 pulls even though they said it would be 1. Applied and denied for SW BIZ on 2/13, reconned and approved after explaining double CSP pull.
Have had my new CSP flagged for fraud 3 times in 24 hours. The first was for a VGC. In each case I've been able to call and have them remove the hold. is this as bad of a sign as it seems? Isnt CSP sort of known for having really strong anti fraud protection?
Applied and approved for CSP 2/12, called immediately to see if I could cancel and reapply with different link. Did so and approved again. Ended up as 2 pulls even though they said it would be 1. Applied and denied for SW BIZ on 2/13, reconned and approved after explaining double CSP pull.
Have had my new CSP flagged for fraud 3 times in 24 hours. The first was for a VGC. In each case I've been able to call and have them remove the hold. is this as bad of a sign as it seems? Isnt CSP sort of known for having really strong anti fraud protection?
You're flying too close to the sun.
Feb 27, 2017, 7:37 am
#1304
Join Date: Apr 2014
Programs: United MileagePlus Silver, AAdvantage, Chase Ultimate Rewards, IHG Rewards Platinum
Posts: 52
Chase closed my IHG card 2 weeks after it was opened
Hey all,
So my wife recently applied for the IHG card and was approved after calling reconsideration. 2 weeks later (after receiving the card and the welcome letter), she received another letter from Chase saying that her account is closed.
After calling in again, they said the reason was that the card was approved in error and after doing an internal audit, they realized her credit file was too thin and so sent the second letter saying the account is now closed.
My question: is Chase legally allowed to do this? This seems shady and it seems like there should be something against this. Is this something we can CFPB? Thanks.
So my wife recently applied for the IHG card and was approved after calling reconsideration. 2 weeks later (after receiving the card and the welcome letter), she received another letter from Chase saying that her account is closed.
After calling in again, they said the reason was that the card was approved in error and after doing an internal audit, they realized her credit file was too thin and so sent the second letter saying the account is now closed.
My question: is Chase legally allowed to do this? This seems shady and it seems like there should be something against this. Is this something we can CFPB? Thanks.
Feb 27, 2017, 5:41 pm
#1305
Join Date: Jul 2013
Location: IAH
Posts: 488
You'll find that Chase in your agreement can close whenever it wants, so I doubt there's anything you can do.