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Chase closed my credit card account(s) [Consolidated]

Chase closed my credit card account(s) [Consolidated]

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Old Dec 23, 18, 4:22 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: liw5215
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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 Apr 9, 14, 1:10 pm
  #211  
 
Join Date: Sep 2012
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Originally Posted by LRD View Post
It worked!

Many, many thanks for your assistance.
LRD I didn't see you post about your shutdown experience - another data point would be helpful. Or did I miss it in another thread?
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Old Apr 9, 14, 1:18 pm
  #212  
LRD
 
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Originally Posted by Slickw View Post
LRD I didn't see you post about your shutdown experience - another data point would be helpful. Or did I miss it in another thread?
You didn't miss it, but I've been in contact with brettskyg since he posted.

Basically, almost all my spend was in 2x categories (especially hotels and OV GCs at 7-Elevens w/gas pumps.) 10K/mo per each of two Ink cards.
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Old Apr 9, 14, 1:27 pm
  #213  
 
Join Date: Mar 2012
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I am doing MS on my Ink card. I am afraid if they close my account
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Old Apr 9, 14, 1:28 pm
  #214  
 
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Originally Posted by LRD View Post
You didn't miss it, but I've been in contact with brettskyg since he posted.

Basically, almost all my spend was in 2x categories (especially hotels and OV GCs at 7-Elevens w/gas pumps.) 10K/mo per each of two Ink cards.
How much time elapsed between the shutdown and the reappearance of the points via brettskyg's help?
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Old Apr 9, 14, 1:31 pm
  #215  
 
Join Date: Jul 2006
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Originally Posted by happy9zz View Post
I am doing MS on my Ink card. I am afraid if they close my account
So transfer out frequently!
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Old Apr 9, 14, 1:32 pm
  #216  
LRD
 
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Originally Posted by josephstern View Post
How much time elapsed between the shutdown and the reappearance of the points via brettskyg's help?
~100 days.
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Old Apr 9, 14, 2:05 pm
  #217  
 
Join Date: Nov 2009
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Originally Posted by josephstern View Post
How much time elapsed between the shutdown and the reappearance of the points via brettskyg's help?
It was close to 120 for me. Can't thank brettskyg enough.
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Old Apr 9, 14, 2:53 pm
  #218  
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Originally Posted by Artemk View Post
It was close to 120 for me. Can't thank brettskyg enough.
If there is a way to nominate someone as FTer of the month, brettskyg would get my vote.
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Old Apr 9, 14, 4:07 pm
  #219  
 
Join Date: Mar 2012
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Originally Posted by josephstern View Post
So transfer out frequently!
Yes, I did transfer every month (around 1.5M to United/Hyatt). However, I still want to keep some points in UR for flexible and easy to book flight and hotel.
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Old Apr 9, 14, 7:25 pm
  #220  
 
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Originally Posted by UA Fan View Post
If there is a way to nominate someone as FTer of the month, brettskyg would get my vote.
I think you misspelled 'year', it's not spelled m-o-n-t-h At least this is the situation for me...
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Old Apr 10, 14, 5:51 am
  #221  
 
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Originally Posted by TheChallenge View Post
Anyone willing to share the method to get the points back? I haven't been following this thread for over a month so I didn't know this was going on.

I just messaged brettskyg, but I don't know if I can be patient enough to wait for a response.
After I had a shutdown, I was only able to get my points after complaining to the CFPB.
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Old Apr 11, 14, 7:27 am
  #222  
jk2
 
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I would love to follow brettskyg's directions, however my Ink account was closed last September (I lost 98K points). Currently, I cannot access my online account anymore (it says that temporary password is expired or something like that). I tried to register my cancelled Ink card in order to get a new online access, but their systems don't recognize me as customer. So, I would say that the aforementioned method to get points would not work for me. I wish I would knew it months ago...
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Old Apr 11, 14, 9:39 am
  #223  
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Originally Posted by TheChallenge View Post
I just messaged brettskyg, but I don't know if I can be patient enough to wait for a response.
I have sent you a PM, let's not discuss this in public. A little patience would help future victims.
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Old Apr 11, 14, 9:47 am
  #224  
 
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Originally Posted by LRD View Post
You didn't miss it, but I've been in contact with brettskyg since he posted.

Basically, almost all my spend was in 2x categories (especially hotels and OV GCs at 7-Elevens w/gas pumps.) 10K/mo per each of two Ink cards.
Did you have a Chase checking account?
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Old Apr 11, 14, 9:52 am
  #225  
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Anyone who got shutdown and had a savings a/c? I have one that I had with Wamu and I keep just the minimum needed.
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