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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
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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 22, 19, 8:56 am
  #2521  
 
Join Date: Jun 2002
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Originally Posted by mster View Post
Chase just closed all my cards and all the cards of someone else who uses the same address. The letters from Chase have extremely generic language: "After careful consideration, we closed your credit card accounts on ----, because our affiliate is ending their banking relationship with you".

Is it possible to gain any insight into the rationale for these shutdowns from the language they're using? No specific reasons were given (eg. too many new accounts, reputational risk) so I'm not sure how to approach having the closures re-evaluated.
Im assuming you had banking account that they closed. If that is the case, have you made any frequent cash or money order/ travelers cheque deposits, received international wire transfers, etc. What about your roommate, do you know the reasons for the shut downs.

I would consider getting a background check on yourself and see what shows up. Also, the reason could be your roommate.
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Old Apr 22, 19, 8:58 am
  #2522  
 
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Originally Posted by SteveT View Post
Im assuming you had banking account that they closed. If that is the case, have you made any frequent cash or money order/ travelers cheque deposits, received international wire transfers, etc. What about your roommate, do you know the reasons for the shut downs.

I would consider getting a background check on yourself and see what shows up. Also, the reason could be your roommate.
Neither myself or the other person at my address has any other banking products with Chase including checking accounts. Both of us have excellent credit scores. No background check issues. I'd share any negative info if there was any but both FICOs are 800+ and everything else looks spotless
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Old Apr 22, 19, 9:01 am
  #2523  
 
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-----

Last edited by mster; Apr 25, 19 at 8:28 am
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Old Apr 22, 19, 9:06 am
  #2524  
mia
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Originally Posted by mster View Post
....our affiliate is ending their banking relationship with you".
Did you ever have an account with any institution which is now owned by Chase, even though it was not at the time, such as Washington Mutual?
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Old Apr 22, 19, 9:46 am
  #2525  
 
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Originally Posted by mster View Post
Neither myself or the other person at my address has any other banking products with Chase including checking accounts. Both of us have excellent credit scores. No background check issues. I'd share any negative info if there was any but both FICOs are 800+ and everything else looks spotless
I would still get a background report and LN report on yourselves. There maybe ID mixup issues that you may not know about. Also, have you or your roommate, ever worked for a company that may have had some issues.

Also, Don't have high expectations from the EO, chances are they are going to tow the line and give you a generic response. I would consider having an attorney write to them for answers. That always lights a fire under them.
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Old Apr 22, 19, 10:10 am
  #2526  
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The Chase note refers to "affiliates." Thus, the fact that others in the household do not do business is not the question. Rather, it is a question of whether they do business with any Chase affiliates. There are many of those.

So, the real question is whether you or anyone in your household has done anything which would trigger any concern. That may have nothing to do with credit scores.
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Old Apr 22, 19, 10:26 am
  #2527  
 
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Originally Posted by SteveT View Post
Also, Don't have high expectations from the EO, chances are they are going to tow the line and give you a generic response. I would consider having an attorney write to them for answers. That always lights a fire under them.
Not sure about the lawyer part. I don't recall anyone succeeding in having accounts reopened after lawyering up.
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Old Apr 22, 19, 12:13 pm
  #2528  
 
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Originally Posted by joe_miami View Post
Not sure about the lawyer part. I don't recall anyone succeeding in having accounts reopened after lawyering up.
There is never any guarantees, but its pushing Chase into giving a more detailed reason for the shut down.
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Old Apr 22, 19, 12:25 pm
  #2529  
 
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Originally Posted by SteveT View Post
There is never any guarantees, but its pushing Chase into giving a more detailed reason for the shut down.
I don't recall any examples of that, either.
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Old Apr 22, 19, 1:01 pm
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Originally Posted by Often1 View Post
The Chase note refers to "affiliates." Thus, the fact that others in the household do not do business is not the question. Rather, it is a question of whether they do business with any Chase affiliates. There are many of those.
Not related in this case - For example, deposit products are maintained by JPMorgan Chase Bank, N.A. and credit card products are maintained by Chase Bank USA, N.A. These are the 2 affiliates that Chase (JPMorgan Chase) has.
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Old Apr 23, 19, 8:07 am
  #2531  
 
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Originally Posted by mster View Post
...someone else who uses the same address.
I find this phrasing odd. Do they live with you or just "use" the same address that you "use"? Have you combined any UR points between these accounts?
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Old Apr 23, 19, 10:00 am
  #2532  
 
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Originally Posted by pallhedge View Post
I find this phrasing odd.
He/she is asking to decipher Chase's strange use of phrases, not their own.
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Old Apr 23, 19, 2:00 pm
  #2533  
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Originally Posted by mster View Post
"After careful consideration, we closed your credit card accounts on ----, because our affiliate is ending their banking relationship with you".
And people still pooh-pooh the risk of having a Chase banking relationship.

RNE, saying "Good luck, all you Pollyanna Chase checking and saving account holders."
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Old Apr 24, 19, 8:47 am
  #2534  
 
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Originally Posted by pallhedge View Post
I find this phrasing odd. Do they live with you or just "use" the same address that you "use"? Have you combined any UR points between these accounts?
Originally Posted by mster View Post
Does the Chase Executive Office usually respond with a final decision or is it possible that they will ask for and/or allow you to provide additional information to support your request for re-opening?
Did you miss my earlier questions?
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Old Apr 24, 19, 9:15 am
  #2535  
 
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Originally Posted by pallhedge View Post
Did you miss my earlier questions?
We have the same permanent address. I am unsure if any points were transferred between the accounts but I do not believe that they were.
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