Sep 6, 2019, 8:04 am
Last edit by: StartinSanDiego
Chase Shut Down thread: (Archived version found here: https://www.flyertalk.com/forum/chase-ultimate-rewards/1526572-chase-closed-my-credit-card-account-s-consolidated.html]
There is a general Shut Down thread in the Manufactured Spend forum, found here: https://www.flyertalk.com/forum/manufactured-spending/1948543-2019-shutdown-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/
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What happened?
When someone reports an account closure here, people are curious as to both the background on the Chase relationship and any/all potential shut down triggers. Please answer any relevant questions to give details. This could help figure out what happened or how you could proceed:
There is a general Shut Down thread in the Manufactured Spend forum, found here: https://www.flyertalk.com/forum/manufactured-spending/1948543-2019-shutdown-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/
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
What happened?
When someone reports an account closure here, people are curious as to both the background on the Chase relationship and any/all potential shut down triggers. Please answer any relevant questions to give details. This could help figure out what happened or how you could proceed:
- Background: Do you have both Credit Cards and Banking accounts with Chase? Tell us your history at Chase. What do you feel the trigger could have been? Does anything unusual (from the bankers perspective) go on in your accounts? How long have you had a banking relationship with Chase? Please explain.
- Ultimate Rewards: Did you transfer UR points to someone with a different address? Different last names? Did you sell UR points to someone?
- Potentially suspicious activities: Do you use multiple sources to pay your credit card bills, such as Walmart Bill Pay? Do you ACH using multiple accounts? Did you recently wire transfer large amounts into or out of your Chase accounts?
- Bonus Earnings: Approximately what percentage of your charges earned less than 5x points in the past 12 months?
- Other possible Triggers:
- 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 or cycling the credit lines 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 recently? 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? Do you mimic a "bust out" profile? (Someone maxing out credit prior to filing bankruptcy)
- 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?
- Did you abuse the Chase Refer a Friend system?
- Did you use/abuse Chase's new checking/savings sign up bonus incentives?
- Did you bounce a check for a credit card payment?
- DId someone at your address get shut down also?
- Do you have a Chase mortgage or other accounts at Chase? Are they in good standing?
- Did you dispute or return items on your credit cards? How many times?
- Have you recently needed back office help on your accounts, which may have triggered a review or called attention to something?
Chase Shut Downs & Credit-Card Account Closures: Data, Tales & Speculation 2019-on
Jan 4, 2020, 5:36 pm
#154
Join Date: Sep 2005
Location: JZRO
Posts: 9,173
Jan 4, 2020, 6:20 pm
#155
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,208
Jan 5, 2020, 5:16 pm
#156
Join Date: Dec 2014
Posts: 20
Chase not allowing to open accounts
I was shut down 5 years ago. Went overboard to rack airline miles. Checking/Saving/Credit Cards accounts where shutdown. Tried to open a checking/savings account with 1200$ bonus a few weeks back but was denied. Told I can never open an account with chase anymore. Sucks to be me. Anybody know when and if I will ever be able to open a account?
Jan 6, 2020, 1:41 pm
#157
Join Date: Sep 2005
Location: JZRO
Posts: 9,173
I was shut down 5 years ago. Went overboard to rack airline miles. Checking/Saving/Credit Cards accounts where shutdown. Tried to open a checking/savings account with 1200$ bonus a few weeks back but was denied. Told I can never open an account with chase anymore. Sucks to be me. Anybody know when and if I will ever be able to open a account?
Jan 13, 2020, 6:32 pm
#159
Join Date: Jan 2020
Posts: 13
Prior misuse of the credit card rewards program
Got this reason (prior misuse of the credit card rewards program) for Chase credit card application. How to fix it? What to do? About 10 years ago I unintentionally of rules transfer some points to couple my friends
Jan 13, 2020, 9:11 pm
#161
A FlyerTalk Posting Legend
Join Date: Sep 2009
Location: Minneapolis: DL DM charter 2.3MM
Programs: A3*Gold, SPG Plat, HyattDiamond, MarriottPP, LHW exAccess, ICI, Raffles Amb, NW PE MM, TWA Gold MM
Posts: 100,755
Maybe more importantly, was the OP paid in any form for the "unintentional" transfers of points?
Jan 14, 2020, 4:02 am
#163
Suspended
Join Date: Mar 2002
Location: Canada, USA, Europe
Programs: UA 1K
Posts: 31,444
Without further details it's hard to give sensible information, but I don't think this is going to go in your favour. Chase has decided that it does not want to have you as a customer and has retained records of that reason. You could write in, but I doubt it will do much.
Jan 14, 2020, 9:31 am
#164
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: HH & IHG Gold; Marriott & AA Perpetual Platinum
Posts: 49,361
Here is a discussion from 2012:
Chase closed my Sapphire Preferred account due to transfers to other UR accounts.
