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]
#1516
Join Date: Jan 2013
Posts: 1,435
To be clear, are we mostly talking about Chase shutting down your credit card accounts, or credit cards AND bank accounts?
If I have an existing bank account with Chase and open a credit card...let's say I do some suspicious MS on the card...will they close both accounts? Simply issue me a check for what I had in the bank and say, "Go deposit this elsewhere."
If I have an existing bank account with Chase and open a credit card...let's say I do some suspicious MS on the card...will they close both accounts? Simply issue me a check for what I had in the bank and say, "Go deposit this elsewhere."
#1517
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,664
Chase tends to terminate the relationship. Even if not at all at once, one usually follows the other.
#1518
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
The only thing they probably can't/won't close is a Mortgage as long as payments are being made as agreed.
#1519
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,664
Unfortunately as a Chase refugee with a mortgage.... I wish they'd shut it down but no :P
#1520
Join Date: Aug 2015
Posts: 8
Approximately what percentage of your charges earned less than 5x points in the past 12 months?
LESS than 5x points - the vast majority of my charges. I use Preferred for food, and Fairmont for 1x spend. Only Freedom 1500/quarter, but I don't have an Ink or any other 5x multiplier.
#1521
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
I thought #3 was below:
Approximately what percentage of your charges earned less than 5x points in the past 12 months?
LESS than 5x points - the vast majority of my charges. I use Preferred for food, and Fairmont for 1x spend. Only Freedom 1500/quarter, but I don't have an Ink or any other 5x multiplier.
Approximately what percentage of your charges earned less than 5x points in the past 12 months?
LESS than 5x points - the vast majority of my charges. I use Preferred for food, and Fairmont for 1x spend. Only Freedom 1500/quarter, but I don't have an Ink or any other 5x multiplier.
That alone had you on black list, then add in the GCs and MOs, = Buh Bye.
#1522
Join Date: Oct 2015
Posts: 8
Hey All,
My account was closed back in 11-2016. I had pretty much every card and deposited money orders into my chase checking. Interesting enough they did not close my buisness marriot or my ink card as they are still open. I tried going to a branch today to open a checking to reestablish some relationhip and restart again slowly but the banker said the computer wont let them and says my account is restricted. Im just wondering how long do I have to wait to be able to even open a checking account. When I log into my chase portal now I can see my buisness card and my freedom card thats been greyed out. When I first got shutdown it took a while for all my cards to fall off online banking, now only my freedom one is left. Im wonderig if I just have to wait for that one to also dissapear to apply later. Anyone also a had a case similar to mine where they keep the buisness cards open but shut down the personal side?
Thanks!
My account was closed back in 11-2016. I had pretty much every card and deposited money orders into my chase checking. Interesting enough they did not close my buisness marriot or my ink card as they are still open. I tried going to a branch today to open a checking to reestablish some relationhip and restart again slowly but the banker said the computer wont let them and says my account is restricted. Im just wondering how long do I have to wait to be able to even open a checking account. When I log into my chase portal now I can see my buisness card and my freedom card thats been greyed out. When I first got shutdown it took a while for all my cards to fall off online banking, now only my freedom one is left. Im wonderig if I just have to wait for that one to also dissapear to apply later. Anyone also a had a case similar to mine where they keep the buisness cards open but shut down the personal side?
Thanks!
#1523
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
That's no doubt coming next for you. It may take several years to get back in with Chase.
#1524
Join Date: Oct 2015
Posts: 8
But Ive heard people making a checking account within the year with them.
#1525
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,954
#1526
Join Date: Jan 2013
Location: Chicago, IL
Programs: Hilton, Marriott, Club Carlson, AA, UA, AS, SQ, AF
Posts: 124
Hey All,
My account was closed back in 11-2016. I had pretty much every card and deposited money orders into my chase checking. Interesting enough they did not close my buisness marriot or my ink card as they are still open. I tried going to a branch today to open a checking to reestablish some relationhip and restart again slowly but the banker said the computer wont let them and says my account is restricted. Im just wondering how long do I have to wait to be able to even open a checking account. When I log into my chase portal now I can see my buisness card and my freedom card thats been greyed out. When I first got shutdown it took a while for all my cards to fall off online banking, now only my freedom one is left. Im wonderig if I just have to wait for that one to also dissapear to apply later. Anyone also a had a case similar to mine where they keep the buisness cards open but shut down the personal side?
Thanks!
My account was closed back in 11-2016. I had pretty much every card and deposited money orders into my chase checking. Interesting enough they did not close my buisness marriot or my ink card as they are still open. I tried going to a branch today to open a checking to reestablish some relationhip and restart again slowly but the banker said the computer wont let them and says my account is restricted. Im just wondering how long do I have to wait to be able to even open a checking account. When I log into my chase portal now I can see my buisness card and my freedom card thats been greyed out. When I first got shutdown it took a while for all my cards to fall off online banking, now only my freedom one is left. Im wonderig if I just have to wait for that one to also dissapear to apply later. Anyone also a had a case similar to mine where they keep the buisness cards open but shut down the personal side?
Thanks!
#1528
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
The left hand doesn't know what the right hand is doing. It's a huge bank that doesn't give a crap about a few customers.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.
#1529
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
I assume it's just the time delay while information propagates throughout their network.
Last edited by mia; Jul 13, 2017 at 7:53 pm
#1530
Join Date: Mar 2017
Location: LA
Posts: 46
The left hand doesn't know what the right hand is doing. It's a huge bank that doesn't give a crap about a few customers.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.