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 1, 2018, 8:26 pm
#2176
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
there is no guessing! the OP literally wrote, it's even in your own quote:
Jul 1, 2018, 10:24 pm
#2177
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
A little over a month ago, I applied for and received a Chase Sapphire Reserve card.
I charged over $12,000 for 2 business class seats on Delta 2 days after receiving the card.
A month later I made a $13,000 for another business class trip to Asia for my wife and I. It was instantly approved.
I think that it could be normal behavior to charge large amounts <snip>. I have been a Chase credit card customer (IHG, Marriott, Freedom, Amazon) for at 12+ years - never a late payment and every balance paid in full each month.
I charged over $12,000 for 2 business class seats on Delta 2 days after receiving the card.
A month later I made a $13,000 for another business class trip to Asia for my wife and I. It was instantly approved.
I think that it could be normal behavior to charge large amounts <snip>. I have been a Chase credit card customer (IHG, Marriott, Freedom, Amazon) for at 12+ years - never a late payment and every balance paid in full each month.
Davidlhanson aptly illustrates what behavior can be considered "normal" by the bank, and what might set off alarm bells and closures. 12 years of credit history with a bank will allow much more leeway than a new customer making a very large first purchase. Unfortunately, @jl7895, your slim credit profile and charging behavior mimicked the behavior of a fraudster who got a new card and was heading out on a spending spree with no intention of repayment. The algorithms are set to shut down first and ask questions later. Sorry that happened to you.
Jul 2, 2018, 10:52 am
#2178
Join Date: Sep 2005
Location: JZRO
Posts: 9,169
Jul 2, 2018, 11:12 am
#2179
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
It's a red flag to charge $25,000 in about 30 days of account opening. That those purchases were for expensive overseas flights (notorious for fraud) exacerbates the matter. Services are not recoverable once rendered. It's not like buying, say, a diamond pacifier. That pricey item can be recovered.
If I understand correctly, Davidlhanson was NOT shut down, in spite of charging $25K in airline purchases within 30ish days of opening his CSR. If I read it right, his post was illustrating that large purchases can be made without flagging the account for closures. In his case, this means a long and excellent track record with Chase. He's new to FT and the Chase forum, and so might not realize how differently the banks may view the same behavior from an established vs. new customer and the extreme relevance of a fat credit profile.
Did I miss something?
Last edited by mia; Jul 2, 2018 at 1:21 pm
Jul 2, 2018, 3:28 pm
#2181
Join Date: Apr 2002
Location: Atlanta Metro
Programs: DL , AC, BA, Hhonors Diamond, IH Platinum, Bonvoy Gold, Hyatt Discoverist
Posts: 2,358
. . . and had you added that last sentence to your first reply, your meaning might have been clear. StartinSanDiego's response was perfectly reasonable.
Jul 2, 2018, 3:48 pm
#2182
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
Mod Hat On--
OK everyone. Back on topic. No need to point fingers.
Mod Hat Off--
OK everyone. Back on topic. No need to point fingers.
Mod Hat Off--
Jul 3, 2018, 11:28 am
#2183
Join Date: Jul 2018
Programs: AA, Hyatt, HIlton
Posts: 10
Got shutdown for after disputing a double charge from a merchant on my Amazon Chase card. Had the card for 5 years. No other chase cards. After a month, I applied for the World of Hyatt Chase and got 30 day email/message. Got a call from a representative the next day to confirm address. Few minutes later, approved with $24k CL. I had pleaded previously with EO about reinstatement and they would not budge.
Jul 3, 2018, 12:57 pm
#2184
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,213
Got shutdown for after disputing a double charge from a merchant on my Amazon Chase card. Had the card for 5 years. No other chase cards. After a month, I applied for the World of Hyatt Chase and got 30 day email/message. Got a call from a representative the next day to confirm address. Few minutes later, approved with $24k CL. I had pleaded previously with EO about reinstatement and they would not budge.
Last edited by blitzen; Jul 3, 2018 at 1:38 pm
Jul 3, 2018, 2:28 pm
#2185
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,956
Not exactly. Chase closed one card, which happened to be mafiaa's only Chase account. There's no way to know if they would have closed other cards if there had been any open at the time.
Jul 3, 2018, 8:03 pm
#2186
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
For example Citi has now opted to settle account closures if the customer is represented by one of the two law firms that Citi has now have an agreement on settlement - there is a formula to calculate and each account being closed, would receive settlement.
Chase has long learned its lesson that confiscate the UR pts would actually cost the bank far more money than the points being confiscated. That is why now Chase gives you 30 days to dispose your UR balance, AND Chase would refund any AF billed on your accounts, in full and automatically.
Also many customers who have fought Citi in the Small Claim Court do return to become customers again.
Even Chase, there are some very sporadic DPs that customers who fought thru legal channel on the confiscated UR balance, also returned to become customers again.
Though with Chase no longer confiscate people's UR balances, probably nobody would want to fight to get his Chase account reinstated when the person has not suffered materially.
Jul 3, 2018, 9:17 pm
#2187
Join Date: Jul 2018
Programs: AA, Hyatt, HIlton
Posts: 10
I am telling you. I didn't have any other inquiries because I am not a frequent churner. I just had that single Amazon card and was using it for everything. My charge dispute most likely triggered the shutdown because the next day after they gave me credit ,the account shut down. After prying for reasons from EO, they told me it's because a WaMu account from 2003 was closed out. I think this was an absurd reason and just a cover up to let me know I wasn't a profitable customer. I always earned hundreds of dollars annually for amazon points and never paid interest on the card. I think they are approving pretty much everyone for the new Hyatt card. When I saw that it was a cobranded card, I figured they may let me in because I didn't really do anything wrong.
Jul 4, 2018, 5:03 am
#2188
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
If so, you actually have a ECOA case against Chase, which ECOA prohibits creditors to take retaliatory actions against consumers exercising rights under the law.
Jul 4, 2018, 5:05 am
#2189
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,213
I am telling you. I didn't have any other inquiries because I am not a frequent churner. I just had that single Amazon card and was using it for everything. My charge dispute most likely triggered the shutdown because the next day after they gave me credit ,the account shut down. After prying for reasons from EO, they told me it's because a WaMu account from 2003 was closed out. I think this was an absurd reason and just a cover up to let me know I wasn't a profitable customer. I always earned hundreds of dollars annually for amazon points and never paid interest on the card. I think they are approving pretty much everyone for the new Hyatt card. When I saw that it was a cobranded card, I figured they may let me in because I didn't really do anything wrong.
