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]
Jun 24, 2015, 12:33 pm
#931
Join Date: Dec 2007
Posts: 118
I recently wrote a letter to investor relations since I am a shareholder. Actually I bought 10 shares thinking it may force them to at least response to me after getting an "unsatisfactory relationship" shutdown almost two years ago. I have no applied for any Chase products since then.
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Jun 24, 2015, 9:13 pm
#932
Join Date: May 2015
Posts: 441
I recently wrote a letter to investor relations since I am a shareholder. Actually I bought 10 shares thinking it may force them to at least response to me after getting an "unsatisfactory relationship" shutdown almost two years ago. I have no applied for any Chase products since then.
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Jun 25, 2015, 10:46 am
#934
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
WOW, a whole 10 shares...I bet they were amazed at your huge investment and that is why you got a nonsense answer that means nothing. Anyone is welcome to apply for a Chase card, even a 3 year old from Lesotho could submit an application. You did give me a good laugh though, so I thank you for that
RNE, congratulating you.
Jun 26, 2015, 1:46 am
#936
Suspended
Join Date: Dec 2014
Posts: 8,460
In fairness, I probably should have won outright. Consider yourself fortunate.
Jun 26, 2015, 4:59 pm
#938
Join Date: Oct 2011
Posts: 4,166
I've won the RNE award in the past, does this mean I have to pass something along to the new winners?
Jul 2, 2015, 10:26 pm
#939
Join Date: Mar 2000
Posts: 5,651
That is one of the nasty parts of this blacklisting problem: Chase keeps saying that you could apply again. When you apply they do a hard pull. Afterwards they they close the new account because closing is not based on your credit--which may be excellent.
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I recently wrote a letter to investor relations since I am a shareholder. Actually I bought 10 shares thinking it may force them to at least response to me after getting an "unsatisfactory relationship" shutdown almost two years ago. I have no applied for any Chase products since then.
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Anyway, a rep from the executive office emailed me and asked me to call him. When I called all he said was that I am welcome to apply for any Chase products at any point in time. When I asked if that meant that there was no reason from his end that I would not be approved, he said he could not say that. Perhaps I will apply on the actual two year anniversary of the shutdown. Is the Ritz Carlton Card the play here?
Jul 9, 2015, 12:47 am
#940
Join Date: Aug 2002
Location: SJC / sometimes NYC
Posts: 61
Account cloned / closed / $100k Spend ... Chase?
Have been a Chase Milage Plus customer since 2007.
Average spend on the card since 2010 is around $100k per year.
Since 2013 my account has been cloned, or hacked, four times. Each time, I have been issued a new card and account number. In every case, I never once lost my card, someone, somehow just started charging crap to my account.
The new account number is a major pain for me - I have nearly 35 accounts (things like rental cars, hotel programs, airline programs, newspaper subscriptions, etc) that are tied to my Chase card, and switching all these over is a 3-4 hour process, and for which is really annoying to do for several times over three years.
So today I learn my account was again hacked for a 4th time.
So I asked that my account annual fee be credited, and I was given the run around. I said that would close the account if nothing could be done. The conversation was 30+ minutes long, and still going when my cell phone dropped the call.
I did not feel like calling back and wasting more time (and having the call drop again) so I send Chase an email explaining the situation, and they write back telling me my account is now closed and there is nothing that can be done.
Wow, any advice on how to follow back up and clean this mess up?
I fly United 50-75k per year, and I wish to keep my programs with them, but this has been a total disaster and time suck. I would think my $100,000k per year spend is worth something to them...though I do pay it down every month and do not carry a balance and have never missed a payment.
Average spend on the card since 2010 is around $100k per year.
Since 2013 my account has been cloned, or hacked, four times. Each time, I have been issued a new card and account number. In every case, I never once lost my card, someone, somehow just started charging crap to my account.
The new account number is a major pain for me - I have nearly 35 accounts (things like rental cars, hotel programs, airline programs, newspaper subscriptions, etc) that are tied to my Chase card, and switching all these over is a 3-4 hour process, and for which is really annoying to do for several times over three years.
So today I learn my account was again hacked for a 4th time.
So I asked that my account annual fee be credited, and I was given the run around. I said that would close the account if nothing could be done. The conversation was 30+ minutes long, and still going when my cell phone dropped the call.
I did not feel like calling back and wasting more time (and having the call drop again) so I send Chase an email explaining the situation, and they write back telling me my account is now closed and there is nothing that can be done.
Wow, any advice on how to follow back up and clean this mess up?
I fly United 50-75k per year, and I wish to keep my programs with them, but this has been a total disaster and time suck. I would think my $100,000k per year spend is worth something to them...though I do pay it down every month and do not carry a balance and have never missed a payment.
Jul 9, 2015, 1:25 am
#941
FlyerTalk Evangelist
Join Date: Apr 2001
Location: MEL CHC
Posts: 20,980
Time for a new credit card company
Jul 9, 2015, 10:57 am
#942
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
You're going to need to call and reinstate the account of you want to keep it.
And then blame the U.S. banking industry for not caring about fraud.
And then blame the U.S. banking industry for not caring about fraud.
Jul 9, 2015, 10:33 pm
#944
Join Date: Aug 2002
Location: SJC / sometimes NYC
Posts: 61
Nah, lots of different user names and passwords, that is what makes changing all the linked accounts so hard!
Thanks for the feedback, and like one of you said, really its time for a new card. With a high spend threshold, its hard to not take it all in miles though!
Jul 9, 2015, 11:36 pm
#945
Join Date: Nov 2007
Posts: 609
Do you have reason/evidence to believe Chase was the source of leaks of your credit card data? If yes you should complain thru proper channels, that and your efforts to update CC with various merchants have little to do with whether the bank extends a retention offer. A front line (regular) bank employee answering retention calls probably can only offer whatever is available on your file determined by their computer system. To that end it would likely be a waste of time to attempt a debate with a representative about your spending's worthiness/entitlement. You might want check the thread on Chase retention offers before you actually make the call. When you do call, speak politely and ask whether there is any retention offer; if none say something like please leave the account open as you would like to mull it over, thank him/her for their time and hang up.
As your credit card is already closed, you’ll need call to reinstate it if you want it reopened – be humble and admit that was a mistake or at least claim it was a misunderstanding. On the other hand, since you fly a lot with UA and spend substantial amount on the credit card(s), you might want consider whether to apply the UA club card (it comes with airport lounge membership, 1.5x earn rate on everything and no closed-in booking fee for award travel). Before you pull the trigger check if there is an 1st year no-fee offer (to elites).
Nevertheless there are many great CCs from other banks, so diversifying to other programs/points for CC spending might turn out to be healthy.
As your credit card is already closed, you’ll need call to reinstate it if you want it reopened – be humble and admit that was a mistake or at least claim it was a misunderstanding. On the other hand, since you fly a lot with UA and spend substantial amount on the credit card(s), you might want consider whether to apply the UA club card (it comes with airport lounge membership, 1.5x earn rate on everything and no closed-in booking fee for award travel). Before you pull the trigger check if there is an 1st year no-fee offer (to elites).
Nevertheless there are many great CCs from other banks, so diversifying to other programs/points for CC spending might turn out to be healthy.
Have been a Chase Milage Plus customer since 2007.
Average spend on the card since 2010 is around $100k per year.
Since 2013 my account has been cloned, or hacked, four times. Each time, I have been issued a new card and account number. In every case, I never once lost my card, someone, somehow just started charging crap to my account.
The new account number is a major pain for me - I have nearly 35 accounts (things like rental cars, hotel programs, airline programs, newspaper subscriptions, etc) that are tied to my Chase card, and switching all these over is a 3-4 hour process, and for which is really annoying to do for several times over three years.
So today I learn my account was again hacked for a 4th time.
So I asked that my account annual fee be credited, and I was given the run around. I said that would close the account if nothing could be done. The conversation was 30+ minutes long, and still going when my cell phone dropped the call.
I did not feel like calling back and wasting more time (and having the call drop again) so I send Chase an email explaining the situation, and they write back telling me my account is now closed and there is nothing that can be done.
Wow, any advice on how to follow back up and clean this mess up?
I fly United 50-75k per year, and I wish to keep my programs with them, but this has been a total disaster and time suck. I would think my $100,000k per year spend is worth something to them...though I do pay it down every month and do not carry a balance and have never missed a payment.
Average spend on the card since 2010 is around $100k per year.
Since 2013 my account has been cloned, or hacked, four times. Each time, I have been issued a new card and account number. In every case, I never once lost my card, someone, somehow just started charging crap to my account.
The new account number is a major pain for me - I have nearly 35 accounts (things like rental cars, hotel programs, airline programs, newspaper subscriptions, etc) that are tied to my Chase card, and switching all these over is a 3-4 hour process, and for which is really annoying to do for several times over three years.
So today I learn my account was again hacked for a 4th time.
So I asked that my account annual fee be credited, and I was given the run around. I said that would close the account if nothing could be done. The conversation was 30+ minutes long, and still going when my cell phone dropped the call.
I did not feel like calling back and wasting more time (and having the call drop again) so I send Chase an email explaining the situation, and they write back telling me my account is now closed and there is nothing that can be done.
Wow, any advice on how to follow back up and clean this mess up?
I fly United 50-75k per year, and I wish to keep my programs with them, but this has been a total disaster and time suck. I would think my $100,000k per year spend is worth something to them...though I do pay it down every month and do not carry a balance and have never missed a payment.
