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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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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 28, 14, 3:19 pm
  #286  
 
Join Date: Jul 2013
Posts: 1,870
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.
They didn't shut down than? Or gave a future shut down date?
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Old Apr 28, 14, 4:24 pm
  #287  
 
Join Date: Dec 2003
Location: CA
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Posts: 417
They sent out the letters about account closure more than 10 days back.
We have been spending on the up until last weekend (when we got the letter) and all the transactions were approved. Online access is still working, even a statement closed this past weekend and I transferred points out.
It looks like they are giving some kind of grace period after the letter was sent. The letter states that the account has been closed as of the letter date.
Really weird.

Originally Posted by Blueskyheaven View Post
They didn't shut down than? Or gave a future shut down date?
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Old Apr 28, 14, 5:23 pm
  #288  
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Originally Posted by rambo View Post
They sent out the letters about account closure more than 10 days back.
We have been spending on the up until last weekend (when we got the letter) and all the transactions were approved. Online access is still working, even a statement closed this past weekend and I transferred points out.
It looks like they are giving some kind of grace period after the letter was sent. The letter states that the account has been closed as of the letter date.
Really weird.

Do you mind answering my question of what annual income you report to chase?
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Old Apr 28, 14, 5:46 pm
  #289  
 
Join Date: Jul 2013
Posts: 1,870
Originally Posted by rambo View Post
They sent out the letters about account closure more than 10 days back.
We have been spending on the up until last weekend (when we got the letter) and all the transactions were approved. Online access is still working, even a statement closed this past weekend and I transferred points out.
It looks like they are giving some kind of grace period after the letter was sent. The letter states that the account has been closed as of the letter date.
Really weird.
mind showing the letter here for us to see?
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Old Apr 28, 14, 5:48 pm
  #290  
 
Join Date: Jul 2013
Posts: 1,870
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).
what is SO?
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Old Apr 28, 14, 5:53 pm
  #291  
 
Join Date: Sep 2011
Posts: 72
Chase closed my CC account with 300,000+ UR points

Significant Other
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Old Apr 28, 14, 5:53 pm
  #292  
 
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
Knowing your history with Chase would be a helpful data point as well.
When did you open your first Chase cards?
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Old Apr 28, 14, 5:53 pm
  #293  
 
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Originally Posted by Blueskyheaven View Post
what is SO?
Significant Other (boyfriend, girlfriend, spouse)
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Old Apr 28, 14, 5:58 pm
  #294  
 
Join Date: Aug 2013
Posts: 20
Thanks for all the suggestions. I finally ended the long SCC process. It's a great learning process for me. I would like to provide my data point for any future MS reference.
I sued Bank of America(FIA CARD SERVICES) at my local SCC. After several serve, the judge finally confirmed that I delivered my document to the right place, and she began to defend for the defendant(Bank of America never send anybody to the court. Don't assume that if you don't show up in the court(if you get sued) you will automatically lose). I was told by the judge that my points have 0 value. SCC only deals with monetary issue, I should file in circuit court to get my points back and these rewards won't matter that much to me if I don't have it(it's true, I still have to move on to my life without it). Nothing ever mentioned about the T&C which I worried the most that I agreed the bank to close my account whenever they want when I signed up for the card. So lesson learned from my SCC filing: (1) Judge does not necessary always represents justice. If you don't show up in a court, you may still win your case if the judge stands by your side. (2)Redeem your rewards as soon as possible and don't leave on bank's hand (I had more than $500 could be redeemed before the closure). The people get their rewards back through SCC are really lucky to have a judge who doesn't take the side of the bank.
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Old Apr 29, 14, 9:45 am
  #295  
 
Join Date: Dec 2008
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Originally Posted by SeekGreatDeal View Post
Thanks for all the suggestions. I finally ended the long SCC process. It's a great learning process for me. I would like to provide my data point for any future MS reference.
I sued Bank of America(FIA CARD SERVICES) at my local SCC. After several serve, the judge finally confirmed that I delivered my document to the right place, and she began to defend for the defendant(Bank of America never send anybody to the court. Don't assume that if you don't show up in the court(if you get sued) you will automatically lose). I was told by the judge that my points have 0 value. SCC only deals with monetary issue, I should file in circuit court to get my points back and these rewards won't matter that much to me if I don't have it(it's true, I still have to move on to my life without it). Nothing ever mentioned about the T&C which I worried the most that I agreed the bank to close my account whenever they want when I signed up for the card. So lesson learned from my SCC filing: (1) Judge does not necessary always represents justice. If you don't show up in a court, you may still win your case if the judge stands by your side. (2)Redeem your rewards as soon as possible and don't leave on bank's hand (I had more than $500 could be redeemed before the closure). The people get their rewards back through SCC are really lucky to have a judge who doesn't take the side of the bank.
If this is true, that's insane. I'd like to hear from someone who works in the judicial system. A judge can judge AND defend the defendant? I have never heard of this and would be dismayed to learn that this is true.
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Old Apr 29, 14, 12:47 pm
  #296  
 
Join Date: Aug 2013
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Thanks for "I can see for miles" for your good question. I want to clarify the fact that the judge never said "I will defend the defendant". But she confirmed that I delivered the documents to the defendant and ruled the defendant(the bank) win without defendant appear in the court. This fact indicates the judge is taken on the bank side and ruled my points has 0 value. I never heard that if you don't show up in the court you still can win(if the judge doesn't defend you, how could you win?). You are welcome to PM me. It's my true case. I was dismayed to learn the justice system after my case.
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Old Apr 29, 14, 1:41 pm
  #297  
 
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Originally Posted by SeekGreatDeal View Post
Thanks for "I can see for miles" for your good question. I want to clarify the fact that the judge never said "I will defend the defendant". But she confirmed that I delivered the documents to the defendant and ruled the defendant(the bank) win without defendant appear in the court. This fact indicates the judge is taken on the bank side and ruled my points has 0 value. I never heard that if you don't show up in the court you still can win(if the judge doesn't defend you, how could you win?). You are welcome to PM me. It's my true case. I was dismayed to learn the justice system after my case.
I am not too familiar with BoA points, but wondering if Chase is different, since Chase has different banners saying about the same thing in pretty big letters - "100 points = $1" or when doing a flight search things like this pop up: "23,680 Points or $296.00". How can you say that points have no value?!
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Old Apr 29, 14, 4:21 pm
  #298  
mia
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Originally Posted by SeekGreatDeal View Post
...SCC only deals with monetary issue, I should file in circuit court to get my points back
It sounds as if the judge told you that, in your jurisdiction, a Small Claims Court can only hear cases which involve money, and she told you where to go to seek a remedy. Points have value, but they are not money.
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Old Apr 29, 14, 6:24 pm
  #299  
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Originally Posted by mia View Post
It sounds as if the judge told you that, in your jurisdiction, a Small Claims Court can only hear cases which involve money, and she told you where to go to seek a remedy. Points have value, but they are not money.
+1, It sounds like the judge was not defending the banks, but was simply telling you that you filed in the wrong court and informed you where to file correctly
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Old Apr 30, 14, 1:27 pm
  #300  
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Originally Posted by SeekGreatDeal
Thanks for "I can see for miles" for your good question. I want to clarify the fact that the judge never said "I will defend the defendant". But she confirmed that I delivered the documents to the defendant and ruled the defendant(the bank) win without defendant appear in the court. This fact indicates the judge is taken on the bank side and ruled my points has 0 value. I never heard that if you don't show up in the court you still can win(if the judge doesn't defend you, how could you win?). You are welcome to PM me. It's my true case. I was dismayed to learn the justice system after my case.
A plaintiff is not automatically entitled to a judgment merely because the defendant failed to appear:

http://dummies.com/how-to/content/ho...ims-court.html
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