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]
Jul 13, 2017, 10:29 pm
#1531
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
At the end of the day, I realized I don't need chase. The only real great partner they have is Korean air. I can stick with Citi and Amex. Though I sure am gonna miss the IHG card
Jul 14, 2017, 10:58 am
#1532
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
At the end of the day, I realized I don't need chase. The only real great partner they have is Korean air. I can stick with Citi and Amex. Though I sure am gonna miss the IHG card
Jul 15, 2017, 12:12 am
#1534
Join Date: Mar 2017
Programs: HHonors, TrueBlue, Delta SkyMiles, Hyatt Discoverist, Starwood Preferred Guest, American Airlines.
Posts: 2,035
I'm afraid to break the news to you, but Citi will make you feel less appreciated than Chase ever did.
Jul 16, 2017, 3:02 am
#1535
Join Date: Sep 2013
Posts: 401
The left hand doesn't know what the right hand is doing. It's a huge bank that doesn't give a crap about a few customers.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.
I just logged in and all my accounts were closed. I quickly got my UR points out of there.
They can keep their stupid cards. I'll just use Citi who approved me, or Amex if Chase doesn't appreciate my business.
Jul 16, 2017, 12:24 pm
#1536
Join Date: Mar 2014
Location: USA
Posts: 14
Chase will give you 30 days to transfer your points. They will even refund your annual fee. If you have a checking/savings with Chase, make sure you check with your banker to make sure they dont close your bank accounts. As for Citi, I would suggest you transfer out your points just in case. I have a feeling Citi and Chase may share some info.
Jul 16, 2017, 3:08 pm
#1537
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
I won't bother with the detail. Most people are, unfortunately, guilty as charged.
So good that it is only a feeling.
Believe me - if Citi and Chase are sharing information, there will be a class action lawsuit waiting for them/
So good that it is only a feeling.
Believe me - if Citi and Chase are sharing information, there will be a class action lawsuit waiting for them/
Jul 16, 2017, 3:58 pm
#1538
Join Date: Sep 2013
Posts: 401
I know some banks are already using LN's RiskView.
Jul 16, 2017, 4:03 pm
#1539
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,754
It is a quite obscured system, actually there are at least 2 of them.
IIRC one is called Early Warning System which is formed / initiated by several banks a few years ago. Yes, they share information on that platform. Dont know if Citi is among the members.
There is another platform but I cannot remember the name now.
It is amazing how someone would condemn others across the board when there are at least DPs on how one dept at Chase does not know the other dept is doing, that some of the closures were reversed after calling into Chase as reported on some blogs.
Even more amazing on the blanket statement of the "class lawsuit" comment when indeed there are already existing information sharing platforms...
May be a little bit googling to add to knowledge base would be more beneficial?
Last edited by Happy; Jul 16, 2017 at 4:09 pm
Jul 16, 2017, 7:32 pm
#1540
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
IIRC, there already is some sort of system that all the banks started that allows them to assign risk levels to specific customers. For the life of me, I can't recall the name of the specific thing now (I think it was something like CARS or something).
I know some banks are already using LN's RiskView.
I know some banks are already using LN's RiskView.
I should say more clearly that some information can be exchanged if the law allows it.
Jul 16, 2017, 8:37 pm
#1541
Join Date: Sep 2013
Posts: 401
I think it's more of posters chastising people who already called in, found out they were caught by Chase for MS or whatnot, and then come here and post about how it is no big loss to lose Chase like a scorned ex would do. For travel rewards, I'd guess most of the board would agree that Amex and Chase are the top dogs so a loss of access to one of them is nothing to brush off lightly.
Jul 16, 2017, 8:39 pm
#1542
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
I think it's more of posters chastising people who already called in, found out they were caught by Chase for MS or whatnot, and then come here and post about how it is no big loss to lose Chase like a scorned ex would do. For travel rewards, I'd guess most of the board would agree that Amex and Chase are the top dogs so a loss of access to one of them is nothing to brush off lightly.
Jul 16, 2017, 8:43 pm
#1543
Join Date: Sep 2013
Posts: 401
So I'm guessing you called Chase and found out the AA wasn't a mistake. What was it that caused the shutdown? It would be another valuable data point for other posters here to look out for.
Ranting here about your shutdown without corresponding information doesn't help anyone.
Ranting here about your shutdown without corresponding information doesn't help anyone.
Jul 17, 2017, 1:33 am
#1544
Suspended
Join Date: Jun 2003
Location: SEA, FLL, Martha’s Vineyard
Programs: AS MVPGold75K, Hilton Gold, IHG Platinum, Pan Am million-miler
Posts: 2,019
So I'm guessing you called Chase and found out the AA wasn't a mistake. What was it that caused the shutdown? It would be another valuable data point for other posters here to look out for.
Ranting here about your shutdown without corresponding information doesn't help anyone.
Ranting here about your shutdown without corresponding information doesn't help anyone.
I traveled to China, and had two cards compromised and when I disputed the charges, all my accounts were closed. Chase claims to have your back when you travel but, I guess I learned the hard way that they don't.
In any event this is me speculating, I don't know yet the reason. Chase is one big bank, they have formulas that spit out answers and they do what they want irregardless of what the facts are.
I would like to know how many people actually contacted the consumer protection bureau and got chase to reinstate them. I've written emails to numerous CEO's at chase, and I filed a complaint with the consumer protection agency. It's a shame because I've been a great customer to chase for over a decade now, always paid my bills on time and alway was responsible. I have an 805 credit score. Chase is just being idiotic. I'm really gonna miss my IHG card the most I think.
Jul 17, 2017, 2:08 am
#1545
Join Date: Sep 2013
Posts: 401
I don't know. Chase won't tell me at this point. But I suspect it's because I don't let companies screw me, so I chargeback. For example on rented cars when there is no toll both, and it's toll by plate I dispute those transactions. And I don't care how small the amount is with merchants. When a merchant erroneously charges me, I chargeback. For the record I've won all my disputes because I was in the right.
I traveled to China, and had two cards compromised and when I disputed the charges, all my accounts were closed. Chase claims to have your back when you travel but, I guess I learned the hard way that they don't.
In any event this is me speculating, I don't know yet the reason. Chase is one big bank, they have formulas that spit out answers and they do what they want irregardless of what the facts are.
I would like to know how many people actually contacted the consumer protection bureau and got chase to reinstate them. I've written emails to numerous CEO's at chase, and I filed a complaint with the consumer protection agency. It's a shame because I've been a great customer to chase for over a decade now, always paid my bills on time and alway was responsible. I have an 805 credit score. Chase is just being idiotic. I'm really gonna miss my IHG card the most I think.
I traveled to China, and had two cards compromised and when I disputed the charges, all my accounts were closed. Chase claims to have your back when you travel but, I guess I learned the hard way that they don't.
In any event this is me speculating, I don't know yet the reason. Chase is one big bank, they have formulas that spit out answers and they do what they want irregardless of what the facts are.
I would like to know how many people actually contacted the consumer protection bureau and got chase to reinstate them. I've written emails to numerous CEO's at chase, and I filed a complaint with the consumer protection agency. It's a shame because I've been a great customer to chase for over a decade now, always paid my bills on time and alway was responsible. I have an 805 credit score. Chase is just being idiotic. I'm really gonna miss my IHG card the most I think.
There was even an article the other week about how Chase (and other banks) figured it's cheaper to just immediately credit disputes for small amounts since it costs more to pay their customer service reps than for what the written off charge amount would be.
"Aite found that banks spend about 2 cents per second on the phone with customers reporting chargebacks. It typically takes 13 minutes, or more than $15, per call. That will probably add up to $2 billion this year."
https://www.bloomberg.com/news/artic...ailers-hate-it