May 15, 2014, 8:16 am
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:
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,
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:
- Did you transfer UR points to someone with a different address? Different last name?
- Did you sell UR points to someone?
- Approximately what percentage of your charges earned less than 5x points in the past 12 months?
- Did a Chase or non-Chase bank recently close one of your credit cards?
- Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
- Is your total credit line with Chase much higher than with other banks?
- Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
- If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
- Did you recently start spending a lot more with Chase than in typical months?
- Is your monthly balance frequently close to your credit limit?
- Approximately what percentage of spending was on gift cards this year?
- How much of your bill do you typically pay using WM or KMart bill payment if any?
- Do you have a Chase mortgage or other account that might be profitable to Chase?
- 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?
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,
Chase closed my credit card account(s) [Archived 2013-mid 2019]
Dec 6, 2013, 10:11 am
#46
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Guys, please take the discussion to Omni and leave this thread on topic.
Hopefully the OP would come back to update us on what is going on.
Hopefully the OP would come back to update us on what is going on.
Dec 6, 2013, 11:52 am
#47
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
This:
The OP appears to be relatively naive about these things - no offense intended, just stating my impression based on some points/questions he/she posted (e.g. "now that they closed all my cards, can i get my points back?").
There are LOTS of "unprofitable" card holders (many of us here, I would wager). That alone as a reason for the smackdown does not pass the sniff test. I'm guessing that there's some other factor, which the OP may not even be aware of as a potential red flag.
There are LOTS of "unprofitable" card holders (many of us here, I would wager). That alone as a reason for the smackdown does not pass the sniff test. I'm guessing that there's some other factor, which the OP may not even be aware of as a potential red flag.
Dec 6, 2013, 12:35 pm
#48
Join Date: Jun 2011
Location: East Coast
Programs: AA/DL/UA, SPG/HH
Posts: 154
This is purely speculative, but one potential explanatory factor for OP's shutdown may have been an event like exceeding a credit limit triggering an automatic soft inquiry at a particular time when OP's credit utilization, new accounts, etc. may have temporarily depressed an otherwise pretty-stellar score. Staggered payment deadlines and timelines for issuers reporting changes to the three bureaus can sometimes create a misleading picture of your finances for a few days each month--even for people with relatively straightforward spending habits.
A second might have been OP not freezing their ARS/IDA reports and a discrepancy or some other minor issue being flagged to Chase...
Plus, going over the limit for Ink Bold may have been a bigger red flag because it's a charge card that's supposed to be paid in full each month.
A second might have been OP not freezing their ARS/IDA reports and a discrepancy or some other minor issue being flagged to Chase...
Plus, going over the limit for Ink Bold may have been a bigger red flag because it's a charge card that's supposed to be paid in full each month.
Dec 6, 2013, 3:26 pm
#49
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Do you actually see a CL on the Ink Bold card? I never have such so no idea.
I never see any CL shown on my AMEX BRG and PRG. Out of curiosity I did use AMEX online function to test how high a transaction amount the cards would get approved. I stopped testing it at 15K when the site still said approved. That is good enough for me to know. lol.
I never see any CL shown on my AMEX BRG and PRG. Out of curiosity I did use AMEX online function to test how high a transaction amount the cards would get approved. I stopped testing it at 15K when the site still said approved. That is good enough for me to know. lol.
Dec 6, 2013, 4:15 pm
#50
Join Date: Jan 2012
Posts: 113
For the IB a rep randomly gave me the limit when I called with a travel notification since I hadn't used it out of the country. I was surprised that it was 2x what they had originally approved it for on recon (first biz card ever). In under a year they had doubled it without informing me.
Dec 6, 2013, 4:28 pm
#51
Join Date: Jan 2012
Posts: 113
These closure posts make me a little sceptical. I guess one of the major missing pieces may be the nature of the charges. To use an example often associated with amex, super Walmart vs whole foods for groceries. Remember this is a computer program trying to guess future profitability based on a ton of datapoints. Those may even include things like when you log in... How often/time of day etc. high UR balance I'm sure is another datapoint. Balance in relation to spend, consistency etc. I'm sure there are people with balances exponentially higher though who don't get the boot.
It wouldn't be one variable alone most likely. Unless it got someone's attention. It's an algorithm comparing preprogrammed patterns. Customers are numbers to an organization this size. Major shareholders and other UHNW clients aside. There may not be many people who could give the op an honest verdict about what triggered it IMHO. And I happen to work on an algorithm that has a certain level of behavior modeling.
Best of luck with an amicable resolution.
It wouldn't be one variable alone most likely. Unless it got someone's attention. It's an algorithm comparing preprogrammed patterns. Customers are numbers to an organization this size. Major shareholders and other UHNW clients aside. There may not be many people who could give the op an honest verdict about what triggered it IMHO. And I happen to work on an algorithm that has a certain level of behavior modeling.
Best of luck with an amicable resolution.
Last edited by csol47; Dec 6, 2013 at 6:11 pm
Dec 10, 2013, 9:02 am
#52
Join Date: Oct 2006
Location: USA
Programs: DL PM, Hyatt Globalist
Posts: 2,367
Dec 10, 2013, 11:03 am
#53
Join Date: Jan 2010
Location: Stockholm, Sweden + Austin, Tx
Programs: "But, I'm a GLOBALIST guest...."
Posts: 2,848
Dec 10, 2013, 3:13 pm
#54
Join Date: Nov 2013
Location: DCA/IAD
Programs: HH Gold-IHG Plat
Posts: 390
Well hopefully the OP is ok, its been awhile since hes come on the board.
do keep us updated when you get a chance.
do keep us updated when you get a chance.
Dec 12, 2013, 6:09 am
#55
Join Date: Jun 2012
Posts: 140
I have a problem. I have and ink, sapphire, united explorer, southwest, and freedom card all with chase. I was suprised to learn that my bag was not coded as free with my flight. So I went to pay for it with united card rather than fight over it. Figured I would call up and fight later. So then I called up chase and they told me account was closed 3 days ago. I said you must be mistaken. I have not used the card in 3 months and actually paid the annual fee in August.
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Has anyone else had this experience? I did use the ink card for my cable and cell phone bills.
Furthermore they are not refunding my annual fees which were all recently paid.
Is there a way to fight this? How can they take away benefits such as a free checked bag when I paid for this benefit??!?!
Can somone please help?
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Has anyone else had this experience? I did use the ink card for my cable and cell phone bills.
Furthermore they are not refunding my annual fees which were all recently paid.
Is there a way to fight this? How can they take away benefits such as a free checked bag when I paid for this benefit??!?!
Can somone please help?
Last edited by mia; Dec 12, 2013 at 1:24 pm Reason: Please do not post the same question in more than one thread.
Dec 12, 2013, 6:27 am
#56
Join Date: Dec 2010
Location: Indianapolis
Programs: Hilton-Diamond Lifetime Platinum AA UA, WN-CP, SPG Gold.
Posts: 7,377
Sounds like you boxed yourself in, with lack of real spending.
They profiled you.
5,000 MS, and $100.00 a month in utility bills, rest must have been cash spends.
I see some need to MS to gain 1500 points for the 5X on Freedom with Chase,
I also wonder what their real spend is, and maybe their real income.
Bet Chase wonders also how some even qualified for a Credit Card..
They profiled you.
5,000 MS, and $100.00 a month in utility bills, rest must have been cash spends.
I see some need to MS to gain 1500 points for the 5X on Freedom with Chase,
I also wonder what their real spend is, and maybe their real income.
Bet Chase wonders also how some even qualified for a Credit Card..
Last edited by satman40; Dec 12, 2013 at 6:36 am
Dec 12, 2013, 6:48 am
#57
Join Date: Jun 2012
Posts: 140
Amazing that they can just keep the annual fees as well. Crazy thing is had I transferred the points to a partner like united they would have been mine to keep. Lesson learned about bank reward programs.
How many years does it generally take to be unbanned? Or is it lifetime?
Is it even worth communication with their executive office in writing as I was advised?
What will the impact of bank closures be on my credit report?
How many years does it generally take to be unbanned? Or is it lifetime?
Is it even worth communication with their executive office in writing as I was advised?
What will the impact of bank closures be on my credit report?
Dec 12, 2013, 8:57 am
#58
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
I have a problem. I have and ink, sapphire, united explorer, southwest, and freedom card all with chase. I was suprised to learn that my bag was not coded as free with my flight. So I went to pay for it with united card rather than fight over it. Figured I would call up and fight later. So then I called up chase and they told me account was closed 3 days ago. I said you must be mistaken. I have not used the card in 3 months and actually paid the annual fee in August.
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Has anyone else had this experience? I did use the ink card for my cable and cell phone bills.
Furthermore they are not refunding my annual fees which were all recently paid.
Is there a way to fight this? How can they take away benefits such as a free checked bag when I paid for this benefit??!?!
Finally how long does a ban last and what will the impact be on my credit score?
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Has anyone else had this experience? I did use the ink card for my cable and cell phone bills.
Furthermore they are not refunding my annual fees which were all recently paid.
Is there a way to fight this? How can they take away benefits such as a free checked bag when I paid for this benefit??!?!
Finally how long does a ban last and what will the impact be on my credit score?
Dec 12, 2013, 9:10 am
#59
Join Date: Nov 2013
Location: DCA/IAD
Programs: HH Gold-IHG Plat
Posts: 390
I have a problem. I have and ink, sapphire, united explorer, southwest, and freedom card all with chase. I have not used the card in 3 months and actually paid the annual fee in August.
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Finally how long does a ban last and what will the impact be on my credit score?
After a lengthy discussion which got me absolutely nowhere I found out that all of my accounts were closed and my 160,000 ur points were confiscated.
Here is my spending history:
I bought chase gift cards over the summer using each account for only one month.
Only on the southwest card did I do any manufactured spending at cvs and it was in late November over the course of several transactions. Maybe 5 transactions each at 1k.
Now it is true that none of these cards were really used much for my primary spending. My primary cards are with citibank
Finally how long does a ban last and what will the impact be on my credit score?
good thing my chase cards are also my primary spending cards.
Dec 12, 2013, 10:09 am
#60
Join Date: Jun 2012
Posts: 140
I had a 780 fico prior to this mess. Hopefully this doesn't kill my score. I guess I will know in a month when the statements cycle again. I do have cards with amex barclays boa and citi and zero credit debt so this shouldn't impact my credit utilization whatsoever. I am justt concerned about what a forces closure will do?
I admit I spent very little collected sign up bonuses and not much else. However I bought he jpm gift cards 1 time and they never complained. The only spending that might have bugged them was 2 purchases of 1000 apiece. At cvs two weeks apart. It's like being punched in the gut. It's pretty low of them to confiscate points that were earned but even worse to do this without any notice on a day I was traveling united. I just so happened to have a citi credit card on me but had I not I would have been royally screwed on this trip. They should at least give a courtesy phone call or email advising of the situation.
I admit I spent very little collected sign up bonuses and not much else. However I bought he jpm gift cards 1 time and they never complained. The only spending that might have bugged them was 2 purchases of 1000 apiece. At cvs two weeks apart. It's like being punched in the gut. It's pretty low of them to confiscate points that were earned but even worse to do this without any notice on a day I was traveling united. I just so happened to have a citi credit card on me but had I not I would have been royally screwed on this trip. They should at least give a courtesy phone call or email advising of the situation.