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 12, 2018, 11:02 pm
#2236
Join Date: Apr 2014
Posts: 19
Any idea what further steps I should take next? Seems like not many have recently had success with the CFPB...
Jul 12, 2018, 11:05 pm
#2237
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
If you truly believe it's an error, write a letter to the executive office at Chase. CFPB probably won't matter much, if at all.
Jul 13, 2018, 5:58 am
#2238
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,208
Why would they shut down relatives (at another address ). There must be a connection
Jul 13, 2018, 10:19 pm
#2239
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,750
Well, chase shutdown 
Me and my wife (and other relatives at a different address with the same last name).
All 800+ Fico's no high utilization, no recent chase apps (last ones 7+ months ago)
Only info chase will give regarding the shutdown is that "it's from the compliance dept, and it's a final decision".
We all tried calling multiple times for a review, nothing doing.
Any ideas? What should our next step be...
Me and my wife (and other relatives at a different address with the same last name).
All 800+ Fico's no high utilization, no recent chase apps (last ones 7+ months ago)
Only info chase will give regarding the shutdown is that "it's from the compliance dept, and it's a final decision".
We all tried calling multiple times for a review, nothing doing.
Any ideas? What should our next step be...
Jul 14, 2018, 2:16 pm
#2240
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
How do you know it wasn't the other relatives at the different address?
Jul 15, 2018, 2:35 pm
#2241
Join Date: Apr 2014
Posts: 19
i was an au on one of their cards, I assume that's how the connection was made.
No wires, I was the only one that banked with chase (bank account, not cc)
No wires, I was the only one that banked with chase (bank account, not cc)
Last edited by mia; Jul 15, 2018 at 5:01 pm Reason: Combine consecutive replies.
Jul 15, 2018, 4:16 pm
#2242
Join Date: Mar 2018
Posts: 26
I'm hoping to get more cards, and worry that my # of inquiries may be getting a bit high
Last July, ~12 months ago, I finished grad school and went into adult mode. I got a best buy credit card, a Lowes Credit card, and financed furniture through a local credit/loan office. I also bought a house. So ~4 pulls.
Then I decided to refinance my student loans: I checked 3-4 companies, which all did a soft pull, 1 did a hard pull, and I refinanced. Another 4 pulls
Back in March, I wanted to get my credit score up, and figured increasing my limits would help. They did a pull on my Freedom card. Then I got the CSR and Chase ink Cash. So ~11 pulls in the last 12 months.
As far as cards, I've gotten 2 in the last 24 months. I've got a current limit of 40,500 with chase. No Banking at this time.
I've bought a couple of store gift cards (Lowes, Hotels.com, Bass Pro), but no Gift cards, money orders.)
I spend around 3-4K/month organically across all cards. I pay the balances down 1-2x/month.
Income is ~300K.
My next cards to target are the Chase ink unlimited an Chase ink preferred.
Am I ok to apply without fear of being shut down? Or will they feel I'm seeking too much credit? How long should I wait?
Last July, ~12 months ago, I finished grad school and went into adult mode. I got a best buy credit card, a Lowes Credit card, and financed furniture through a local credit/loan office. I also bought a house. So ~4 pulls.
Then I decided to refinance my student loans: I checked 3-4 companies, which all did a soft pull, 1 did a hard pull, and I refinanced. Another 4 pulls
Back in March, I wanted to get my credit score up, and figured increasing my limits would help. They did a pull on my Freedom card. Then I got the CSR and Chase ink Cash. So ~11 pulls in the last 12 months.
As far as cards, I've gotten 2 in the last 24 months. I've got a current limit of 40,500 with chase. No Banking at this time.
I've bought a couple of store gift cards (Lowes, Hotels.com, Bass Pro), but no Gift cards, money orders.)
I spend around 3-4K/month organically across all cards. I pay the balances down 1-2x/month.
Income is ~300K.
My next cards to target are the Chase ink unlimited an Chase ink preferred.
Am I ok to apply without fear of being shut down? Or will they feel I'm seeking too much credit? How long should I wait?
Jul 15, 2018, 4:59 pm
#2243
Join Date: Jul 2011
Location: Sunny AZ
Programs: HH Diamond, Sixt Platinum, IHG Spire Ambassador, Marriott/SPG Gold .....
Posts: 3,208
To be honest beside the number of inquiries I see no reason for Chase not to approve the additional card. And for a shutdown I see no reason at all.
if you want to increase your already good odds decrease the credit limit on your cards (via PM) so the additional cars won’t increase you already granted line. Don’t think this is needed but can’t hurt either.
if you want to increase your already good odds decrease the credit limit on your cards (via PM) so the additional cars won’t increase you already granted line. Don’t think this is needed but can’t hurt either.
Jul 15, 2018, 6:19 pm
#2244
Join Date: Dec 2017
Posts: 1,107
RE: inquiries...
In some cases where pulls for the same thing happen in a short amount of time, they end up being consodered as a single pull. It’s nice as it allows people to shop around for the best deal on major purchases like cars, houses, etc. So when you refinanced your student loans, if the pulls (hard pulls, as soft pulls don’t count) were within a week to 10 days then they will be considered as a single pull.
In some cases where pulls for the same thing happen in a short amount of time, they end up being consodered as a single pull. It’s nice as it allows people to shop around for the best deal on major purchases like cars, houses, etc. So when you refinanced your student loans, if the pulls (hard pulls, as soft pulls don’t count) were within a week to 10 days then they will be considered as a single pull.
Jul 15, 2018, 8:20 pm
#2245
Join Date: Oct 2017
Posts: 84
I would be very confident they won't shut you down. They might not approve you for any more cards/credit, but that's just saying no. Reduce you credit limits on your Chase cards if you want to increase your chances of approval.
Jul 18, 2018, 10:20 am
#2246
Join Date: Jun 2016
Posts: 9
Best Course of Action?
Applied for the World of Hyatt card when it came out, application went pending, then automatically approved after a couple hours (it was my 6th card with Chase). It was a Friday, and the next Monday all of my cards were closed. Called to ask for a reinstatement review, gave detailed explanation, but got a call one week later saying the accounts couldn't be reopened. Cited two reasons:
- Repeatedly added and removed authorized users
- Too many new accounts opened within the last 24 months
Also sent an email to the CEO and the Executive Office got back to me a few days later saying they're keeping the original decision. Since the Executive Office also handles CFPB complaints I doubt it'd be of any help. Any chance of getting the accounts reinstated through other means? E.g. filing a complaint with the State Attorney General, etc.
- Repeatedly added and removed authorized users
- Too many new accounts opened within the last 24 months
Also sent an email to the CEO and the Executive Office got back to me a few days later saying they're keeping the original decision. Since the Executive Office also handles CFPB complaints I doubt it'd be of any help. Any chance of getting the accounts reinstated through other means? E.g. filing a complaint with the State Attorney General, etc.
Last edited by summerpavements; Jul 18, 2018 at 10:48 am
Jul 18, 2018, 10:55 am
#2247
Suspended
Join Date: Oct 2017
Location: Miami, Florida
Programs: AA ExPlat, Hyatt Globalist, IHG Spire, Hilton Gold
Posts: 4,009
Jul 18, 2018, 11:00 am
#2248
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Jul 18, 2018, 11:35 am
#2249
Join Date: Jun 2016
Posts: 9
16 in the last 24 months. According to the rep, 4 AUs. Any reports of how long to wait before it's possible to get approved for a Chase card after shutdown?
Jul 18, 2018, 1:20 pm
#2250
Join Date: Jan 2017
Posts: 790
As a general comment, this is -exactly- why my butt is holding tight on Chase. I hit them very hard in late 2016 and all of 2017, and another Hyatt or IHG card is not going to change my life. But losing my CSR, orig Hyatt, orig IHG, etc. etc. while not crushing at all, would suck. This isn't paranoia, this is prudence. I am all about maximizing benefits, but when is enough, enough?
I am happy to retract or alter this if the OP has been MS'ing or something "off", but it doesn't look like it. This isn't the first one.