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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 24, 14, 2:09 pm
  #271  
 
Join Date: Sep 2012
Location: IAH
Posts: 386
Originally Posted by brc01 View Post
It was probably due to my personal card (Amazon) hitting 2x of my pathetic 5K CL in mostly pharmacy spend of almost 10K. Statement closed on 4/21, Chase SPd my reports on 4/22 and today 4/23 already reported closed by credit grantor using Experian backdoor. Coincidence?
What was the balance on the card when the statement closed?
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Old Apr 26, 14, 12:04 pm
  #272  
 
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 417
Shutdown alert:
We (SO and I) got letters in the mail about all our Chase CC accounts (personal and business) being closed. The weird thing is that all our cards are still working and we were able to transfer all the UR points to United.
Not sure what exactly triggered it, but I think it was the WM BP. Most (70%) of the spending on the cards (United MP, CSP, Ink, Ink+ etc) were MS.
We didn't have any checking account with Chase and there were no MO deposits.
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Old Apr 26, 14, 2:54 pm
  #273  
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Join Date: May 2012
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Originally Posted by rambo View Post
Shutdown alert:
We (SO and I) got letters in the mail about all our Chase CC accounts (personal and business) being closed. The weird thing is that all our cards are still working and we were able to transfer all the UR points to United.
Not sure what exactly triggered it, but I think it was the WM BP. Most (70%) of the spending on the cards (United MP, CSP, Ink, Ink+ etc) were MS.
We didn't have any checking account with Chase and there were no MO deposits.
How many/much were you pushing through a month with BP from WM?
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Old Apr 26, 14, 5:41 pm
  #274  
 
Join Date: Jul 2004
Location: MCO
Programs: AA 1MM, BA, UA, HH Dia, CC Gold, SPG Plat
Posts: 794
Originally Posted by rambo View Post
Shutdown alert:
We (SO and I) got letters in the mail about all our Chase CC accounts (personal and business) being closed. The weird thing is that all our cards are still working and we were able to transfer all the UR points to United.
Not sure what exactly triggered it, but I think it was the WM BP. Most (70%) of the spending on the cards (United MP, CSP, Ink, Ink+ etc) were MS.
We didn't have any checking account with Chase and there were no MO deposits.
Lucky you got your points out.

As a data point, accounts apparently get purged at 120 days. After reliving the nightmare in my head and having some glimmer of hope, unfortunately my accounts were purged and I wasn't able to get my points out the back door. Good luck to the rest of y'all.
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Old Apr 26, 14, 6:04 pm
  #275  
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What's WM BP?
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Old Apr 26, 14, 6:05 pm
  #276  
 
Join Date: Oct 2011
Posts: 4,166
Originally Posted by TTnC4me View Post
Lucky you got your points out.

As a data point, accounts apparently get purged at 120 days. After reliving the nightmare in my head and having some glimmer of hope, unfortunately my accounts were purged and I wasn't able to get my points out the back door. Good luck to the rest of y'all.
Back door?
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Old Apr 26, 14, 6:12 pm
  #277  
 
Join Date: Oct 2011
Posts: 4,166
Originally Posted by UA Fan View Post
What's WM BP?
Walmart BillPay.
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Old Apr 26, 14, 6:32 pm
  #278  
 
Join Date: Jul 2013
Posts: 1,870
good luck!

Last edited by Blueskyheaven; Apr 26, 14 at 7:08 pm
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Old Apr 27, 14, 5:41 pm
  #279  
 
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 417
About 4K max per card. So about 16K across 4 cards.

Almost similar numbers with my SO's cards as well (4K x 4 - 16K). We were not even any where close to our CL on these cards. After the united deval, I stopped MS'ing much on Chase cards.

Originally Posted by skibum7732 View Post
How many/much were you pushing through a month with BP from WM?
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Old Apr 27, 14, 6:14 pm
  #280  
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Originally Posted by rambo View Post
About 4K max per card. So about 16K across 4 cards.

Almost similar numbers with my SO's cards as well (4K x 4 - 16K). We were not even any where close to our CL on these cards. After the united deval, I stopped MS'ing much on Chase cards.
So you and your SO had a combined 32k of debt? What was your reported income?
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Old Apr 28, 14, 6:41 am
  #281  
 
Join Date: Sep 2011
Posts: 72
Chase shut down all my & SO personal accounts on April 24. No notice or heads up. I have Ink Bold and Ink Plus that are still active as of today. When I called Chase, they were able to process payout for UR in my Freedom and points in Amazon account ($.01 per point) and will get me a check in 10 days (about $500).

I am still able to log into my accounts and was able to transfer the points in my wifes CSP and Freedom accounts to Hyatt and KE (100,000+ points). moved Freedom points to CSP then Hyatt and KE.

As a safety measure I transferred all my Ink UR points to Hyatt and KE. So, at this point, I have about 750 UR points over all accounts.

My activity: $40K on Hyatt card this year ... almost all CVS MS ... to get 10 stay credits. About $10K accross all other personal cards. I pay almost all my CC bills at WM ($2K at a time ... so lots of bill pay activity). $25K on 2 Ink cards whoich are still active and I will hit Staples MC offer this week 5X. I'm sure my Ink will be shut down shortly.

Not the end of the world ... I have a 3 year supply of points so will focus on AMEX GC with Fidelity Amex for 4% return. Also have Prestige card which gets me good deals for AA travel for business trips. Should be enough to pay for all other trip expenses .... so 3 years of luxury cost free travel for the next 3 years.

My plan is to wait 2 years then open a chase checking account at local branch and see if they will give me some CC (with sign-up bonus, of course).
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Old Apr 28, 14, 7:07 am
  #282  
 
Join Date: Sep 2011
Posts: 72
Still getting email notifications that my statement is ready to go!!!
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Old Apr 28, 14, 9:50 am
  #283  
 
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 417
Looks like we have a similar situation.

All my accounts are still working, Ink statement closed this weekend and the points posted. I transferred out just now.

Also the letter that they sent states that I have 90days to transfer the points out. Of course, I don't believe that and dont want to take a chance.

My United card closes in a few weeks. I hit the 25K spending, really curious to see if they post the 10K bonus.

We have a few similarities.
1. WM BP
2. Ramping up spending on cards ( my case United, you did Hyatt)
3. MS in staples/OM
4. Both self and SO accounts closed

So for folks that wants to keep relationship with chase, go easy on the above. YMMV.

Originally Posted by prestonv View Post
Chase shut down all my & SO personal accounts on April 24. No notice or heads up. I have Ink Bold and Ink Plus that are still active as of today. When I called Chase, they were able to process payout for UR in my Freedom and points in Amazon account ($.01 per point) and will get me a check in 10 days (about $500).

I am still able to log into my accounts and was able to transfer the points in my wifes CSP and Freedom accounts to Hyatt and KE (100,000+ points). moved Freedom points to CSP then Hyatt and KE.

As a safety measure I transferred all my Ink UR points to Hyatt and KE. So, at this point, I have about 750 UR points over all accounts.

My activity: $40K on Hyatt card this year ... almost all CVS MS ... to get 10 stay credits. About $10K accross all other personal cards. I pay almost all my CC bills at WM ($2K at a time ... so lots of bill pay activity). $25K on 2 Ink cards whoich are still active and I will hit Staples MC offer this week 5X. I'm sure my Ink will be shut down shortly.

Not the end of the world ... I have a 3 year supply of points so will focus on AMEX GC with Fidelity Amex for 4% return. Also have Prestige card which gets me good deals for AA travel for business trips. Should be enough to pay for all other trip expenses .... so 3 years of luxury cost free travel for the next 3 years.

My plan is to wait 2 years then open a chase checking account at local branch and see if they will give me some CC (with sign-up bonus, of course).
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Old Apr 28, 14, 2:17 pm
  #284  
 
Join Date: Nov 2013
Location: DC/NOVA
Programs: AA Gold, SPG Gold, HHonors Gold
Posts: 192
Anyone with a shutdown report also have a JPMC mortgage?
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Old Apr 28, 14, 2:41 pm
  #285  
 
Join Date: Dec 2013
Posts: 546
I wonder if Chase blacklists after account closure.
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