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 27, 2017, 9:45 pm
#1306
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Yes. Regardless what the T&Cs say (about the unilateral authority to close), when Chase approved the app in error, Chase can in fact fix the issue by closing the account.
There is none.
Not really.
Not really.
Feb 28, 2017, 6:37 am
#1307
Join Date: Jan 2010
Location: EWR, NJ
Programs: UA 2 MM, UA 1K
Posts: 663
Data point: I had Chase close my checking/savings accounts (reported earlier in this thread - I am building a house overseas and had to wire money for supplies and for the builder and I took cash out of my account to pay for furniture in Bali) 2.5 years ago. Then they closed all my Chase credit cards. I thought I would try and open a new card given I got an exclusive offer for the UA Explorer card. I was immediately approved, went on a trip, and when I got home I had letters from Chase, one contained the card and "welcome" info and another closed the account. So I am guessing that they will never approve me for a credit card again. I had hoped 2.5 years would be enough...
Feb 28, 2017, 3:48 pm
#1308
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Data point: I had Chase close my checking/savings accounts (reported earlier in this thread - I am building a house overseas and had to wire money for supplies and for the builder and I took cash out of my account to pay for furniture in Bali) 2.5 years ago. Then they closed all my Chase credit cards. I thought I would try and open a new card given I got an exclusive offer for the UA Explorer card. I was immediately approved, went on a trip, and when I got home I had letters from Chase, one contained the card and "welcome" info and another closed the account. So I am guessing that they will never approve me for a credit card again. I had hoped 2.5 years would be enough...
Chase is extremely sensitive to any money transfer activities and often killed innocent accounts just because accounts have overseas wire transfer activities, especially the outgoing ones. That is why many have said NOT to bank with Chase, just use their cards. Sad but seems to have merit.
Last edited by Happy; Feb 28, 2017 at 3:56 pm
Feb 28, 2017, 5:32 pm
#1309
Join Date: Sep 2008
Location: PDX
Posts: 40
Your story seems to conform a pattern we have seen with Chase - if only credit cards are involved, many got a 2nd and even 3rd chance (jk2's posts came to mind) to reopen credit cards with Chase, often just a year or slightly more gap. However if the account closure stemmed from banking, it seems you are banned for much much longer.
I follow your posts diligently, admire your wisdom and would love your thoughts on my issue.
In October of last year I found all my Chase credit card accounts closed.
It was totally unexpected. No warning signs and no checking/savings account - only 4 Chase credit cards with longtime use.
The CSP was used frequently for travel as well as the Hyatt and IHG cards for their hotel stays.
The Ink Plus was used for legit office supplies and other 5x categories.
Never a dollar on gift cards on any of the cards, except when office supply stores were having their promos and then only in a very limited quantity. The $200 gift cards were actually legitimately used to surprise/reward our employees/interns or as B-day and X-mas gifts.
Often I would mix with other business spending.
The letter from Chase stated: "We have decided to end our relationship with you".
No reason.
To this day I'm still baffled by this decision and cannot figure out what I did wrong - if I did at all.
However, I remember at the time having a higher than 600k UR balance, but was not too concerned by it.
IMHO I did everything by the book (or T's & C's).
Is there any chance - you think - of another approval by Chase in the nearby future ?
Feb 28, 2017, 6:44 pm
#1310
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,944
@ Happy
I follow your posts diligently, admire your wisdom and would love your thoughts on my issue.
In October of last year I found all my Chase credit card accounts closed.
It was totally unexpected. No warning signs and no checking/savings account - only 4 Chase credit cards with longtime use.
The CSP was used frequently for travel as well as the Hyatt and IHG cards for their hotel stays.
The Ink Plus was used for legit office supplies and other 5x categories.
Never a dollar on gift cards on any of the cards, except when office supply stores were having their promos and then only in a very limited quantity. The $200 gift cards were actually legitimately used to surprise/reward our employees/interns or as B-day and X-mas gifts.
Often I would mix with other business spending.
The letter from Chase stated: "We have decided to end our relationship with you".
No reason.
To this day I'm still baffled by this decision and cannot figure out what I did wrong - if I did at all.
However, I remember at the time having a higher than 600k UR balance, but was not too concerned by it.
IMHO I did everything by the book (or T's & C's).
Is there any chance - you think - of another approval by Chase in the nearby future ?
I follow your posts diligently, admire your wisdom and would love your thoughts on my issue.
In October of last year I found all my Chase credit card accounts closed.
It was totally unexpected. No warning signs and no checking/savings account - only 4 Chase credit cards with longtime use.
The CSP was used frequently for travel as well as the Hyatt and IHG cards for their hotel stays.
The Ink Plus was used for legit office supplies and other 5x categories.
Never a dollar on gift cards on any of the cards, except when office supply stores were having their promos and then only in a very limited quantity. The $200 gift cards were actually legitimately used to surprise/reward our employees/interns or as B-day and X-mas gifts.
Often I would mix with other business spending.
The letter from Chase stated: "We have decided to end our relationship with you".
No reason.
To this day I'm still baffled by this decision and cannot figure out what I did wrong - if I did at all.
However, I remember at the time having a higher than 600k UR balance, but was not too concerned by it.
IMHO I did everything by the book (or T's & C's).
Is there any chance - you think - of another approval by Chase in the nearby future ?
Mar 2, 2017, 5:06 pm
#1311
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
@ Happy
I follow your posts diligently, admire your wisdom and would love your thoughts on my issue.
In October of last year I found all my Chase credit card accounts closed.
It was totally unexpected. No warning signs and no checking/savings account - only 4 Chase credit cards with longtime use.
The CSP was used frequently for travel as well as the Hyatt and IHG cards for their hotel stays.
The Ink Plus was used for legit office supplies and other 5x categories.
Never a dollar on gift cards on any of the cards, except when office supply stores were having their promos and then only in a very limited quantity. The $200 gift cards were actually legitimately used to surprise/reward our employees/interns or as B-day and X-mas gifts.
Often I would mix with other business spending.
The letter from Chase stated: "We have decided to end our relationship with you".
No reason.
To this day I'm still baffled by this decision and cannot figure out what I did wrong - if I did at all.
However, I remember at the time having a higher than 600k UR balance, but was not too concerned by it.
IMHO I did everything by the book (or T's & C's).
Is there any chance - you think - of another approval by Chase in the nearby future ?
I follow your posts diligently, admire your wisdom and would love your thoughts on my issue.
In October of last year I found all my Chase credit card accounts closed.
It was totally unexpected. No warning signs and no checking/savings account - only 4 Chase credit cards with longtime use.
The CSP was used frequently for travel as well as the Hyatt and IHG cards for their hotel stays.
The Ink Plus was used for legit office supplies and other 5x categories.
Never a dollar on gift cards on any of the cards, except when office supply stores were having their promos and then only in a very limited quantity. The $200 gift cards were actually legitimately used to surprise/reward our employees/interns or as B-day and X-mas gifts.
Often I would mix with other business spending.
The letter from Chase stated: "We have decided to end our relationship with you".
No reason.
To this day I'm still baffled by this decision and cannot figure out what I did wrong - if I did at all.
However, I remember at the time having a higher than 600k UR balance, but was not too concerned by it.
IMHO I did everything by the book (or T's & C's).
Is there any chance - you think - of another approval by Chase in the nearby future ?
Chase also has closed people's cards when it does not like the business the cardholder operates. There is a thread a few years ago (try to search 300K UR points lost or something like that) Chase closed the poster's accounts because one of the businesses was a crowd-funding type of business.
There is also the infamous story about Chase closing a porn star's account.
Try to find jk2's post history so you may get a glimpse on how long before you can try application again.
Still, if everything is as what you told here, there might be a mix up of identity.
Have you tried to contact Chase Exec Office in the form of a letter (and attached your credit report) to politely ask for an explanation?
I have known some people have 500K or more UR pts in their accounts and only occasionally use their stashes in the span of 2 years. In fact one guy's stash has gone to 700K last holiday season as you could imagine why.
With the Ink cards being capped in the 5x earnings, Chase has come to term with the spend made in 5x category so I doubt that would be an issue.
Mar 15, 2017, 7:12 pm
#1312
Join Date: Jul 2012
Posts: 8
Wondering if anyone can help me out. I currently have a chase checking account, chase freedom card and a chase ink cash card. I have a credit score in the 800s. I applied back for a chase sapphire reserve card and was denied due to "Previous unsatisfactory relationship with us or one of our affiliates". I pressed for more information and got nowhere. Told to write a letter and never got a response from them. I just applied for a chase business preferred card and it was denied for the same reason.
Has anyone got denied for this reason? Who can I contact to get this resolved?
Has anyone got denied for this reason? Who can I contact to get this resolved?
Mar 15, 2017, 8:20 pm
#1313
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Mar 16, 2017, 1:04 am
#1314
Join Date: Jul 2012
Posts: 8
i really have no idea. Been with chase for over 10 years. I have a great credit score, income in the 6 digits. A credit score of 830. I check my credit report no negative remarks at all. I would just like to know whom I can call, I mailed them a letter last time once I received the official denial letter from chase and never heard back.
Mar 16, 2017, 1:58 am
#1315
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Not trying to nitpick, but it is how you can find the issue.
How about before that?
Unsatisfactory banking relationship usually have nothing to do on yourself. FWIW - you can have a tanking credit score and are still a valuable customer with Chase.
It is more like what have you done on Chase, like any recent account opening/closures, questionable transactions, etc.
Since it is a form of blacklisting, you will not receive any responses from Chase other than the denial and the closure (Note - all of your accounts will be CLOSED. It is only a matter of when). Even you have been blacklisted by mistake, Chase has a "get out of jail free" card from its T&Cs that Chase can close your accounts at any time.
You are welcome to know why. But if I were you, start winding up.
How about before that?
It is more like what have you done on Chase, like any recent account opening/closures, questionable transactions, etc.
You are welcome to know why. But if I were you, start winding up.
Mar 16, 2017, 6:04 am
#1316
Join Date: Jan 2010
Location: EWR, NJ
Programs: UA 2 MM, UA 1K
Posts: 663
You can contact them until you are blue in the face. They will never tell you why. I did manage to speak to someone. (Not only did they close my accounts but they cancelled my online access so I had to call to get copies of statements I needed). My local branch manager contacted them too and got nowhere. They will not tell you why and will not reconsider. Spare yourself the effort and angst. Be prepared for all your accounts to be closed and just start banking elsewhere. There is nothing more stressful than to have all your credit cards declined and to receive 1 week's notice on closure of checking/savings accounts. And you may never be able to get another Chase card in the future.
Mar 16, 2017, 11:33 am
#1317
Join Date: Oct 2016
Posts: 65
Possibly it could be this...
Ultimate reward points question
Ultimate reward points question
Last edited by mia; Mar 16, 2017 at 12:46 pm Reason: Formatting
Mar 16, 2017, 12:43 pm
#1318
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Last edited by mia; Mar 16, 2017 at 12:49 pm
Mar 17, 2017, 9:43 am
#1319
Suspended
Join Date: Feb 2011
Posts: 313
Is it possible to extend UR expiration date by transferring them to household account? Chase shut down all of my dad's account almost a month ago and failed to reinstate the accounts via executive office. I am thinking of moving his UR to my account (Same household) for time being while I decide what to do with them. I am not worried about my eventual shut down and I know it is coming sooner or later. I don't care if I survive or not but need to extend the UR expiration (or losing them after 30 days window).
Thanks
Thanks
Mar 17, 2017, 5:48 pm
#1320
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811