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Chase closed my credit card account(s) [Archived 2013-mid 2019]

Old May 15, 2014, 8:16 am
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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:
  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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Chase closed my credit card account(s) [Archived 2013-mid 2019]

Old Sep 3, 2019, 5:19 pm
  #2581  
 
Join Date: Sep 2009
Posts: 2,805
Originally Posted by GobiFox
Yes Chase app does. But I've not seen any DPs of AmEx financial reviews shortly after overseas travels. But with Chase, at least several DPs.
Exactly where are you seeing these DP’s?

This is not my experience.
Steve in Olympia is offline  
Old Sep 3, 2019, 5:25 pm
  #2582  
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Originally Posted by Steve in Olympia
Exactly where are you seeing these DP’s?

This is not my experience.
I'm curious too. I did a thread search for "travel notice" and saw one DP and it's not remotely obviously the travel notice was causative, merely coincidentally timed.

I'm having a hard time figuring out how this would even make sense from Chase's perspective...
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Old Sep 3, 2019, 5:29 pm
  #2583  
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You do not have to agree.

We gave Chase the "notice" to review our accounts. Some will certainly look into the accounts. It is just another trigger to get noticed.
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Old Sep 3, 2019, 5:34 pm
  #2584  
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Originally Posted by GobiFox
You do not have to agree.

We gave Chase the "notice" to review our accounts. Some will certainly look into the accounts. It is just another trigger to get noticed.
I don't have to agree, but I'm open-minded. You said you saw several data points in the thread. I haven't been following it that long, and would be interested in reviewing them to evaluate for myself. Can you provide links or post numbers?
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Old Sep 3, 2019, 6:21 pm
  #2585  
 
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Originally Posted by GobiFox
You do not have to agree.

We gave Chase the "notice" to review our accounts. Some will certainly look into the accounts. It is just another trigger to get noticed.
a) both Amex and Chase (and other banks) app can track your location (in use or all the time) I you allow it > why would you
b) Travel Notice = review is 100% [hypothesis]
c) if you have DP then name it vs “people say”

Last edited by StartinSanDiego; Sep 3, 2019 at 9:15 pm Reason: Replaced masked vulgarity
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Old Sep 3, 2019, 7:35 pm
  #2586  
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Originally Posted by blitzen

a) both Amex and Chase (and other banks) app can track your location (in use or all the time) I you allow it > why would you
b) Travel Nofice = review is 100% [hypothesis]
c) if you have DP then name it vs “people say”

[redacted] As I said you do not have to agree. I'm not going to list the DPs out of the 176 pages.

Last edited by StartinSanDiego; Sep 3, 2019 at 9:14 pm Reason: Unnecessary
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Old Sep 3, 2019, 8:09 pm
  #2587  
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Originally Posted by GobiFox
I'm not going to list the DPs out of the 176 pages.
You could start with 2 or 3. Or tell us what search terms you used, since as I said "travel notice" only turned up 1.
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Old Sep 3, 2019, 8:18 pm
  #2588  
 
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Originally Posted by GobiFox
Yes Chase app does. But I've not seen any DPs of AmEx financial reviews shortly after overseas travels. But with Chase, at least several DPs.
Could you please provide the "several DPs" with Chase that you are referring to?
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Old Sep 3, 2019, 9:24 pm
  #2589  
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Moderator Note: It's been a busy evening here on this thread. Please remember to be nice and polite in your postings, especially to newer members. Thanks.
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Old Sep 3, 2019, 9:39 pm
  #2590  
 
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Since Chase Bank issues a credit card co-branded with a company called “British Airways,” why would Chase Bank get suspicious when one of their customers notifies them that they are planning on traveling overseas?????
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Old Sep 3, 2019, 10:07 pm
  #2591  
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Originally Posted by Steve in Olympia
Since Chase Bank issues a credit card co-branded with a company called “British Airways,” why would Chase Bank get suspicious when one of their customers notifies them that they are planning on traveling overseas?????
Indeed, or why would they offer cards with no foreign transaction fees?

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Last edited by StartinSanDiego; Sep 3, 2019 at 10:17 pm Reason: Response to now deleted quote
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Old Sep 3, 2019, 10:36 pm
  #2592  
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Moderator Note:
This thread is now archived.
The latest on Chase Shut Downs can be found here: https://www.flyertalk.com/forum/chas...19-thread.html

Last edited by StartinSanDiego; Sep 6, 2019 at 7:45 am
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