2018 Shutdown Thread

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This is the thread for 2018. The previous discussion can be found here.

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1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and [email protected])
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and [email protected])
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
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Old Dec 13, 18, 2:55 pm
  #421  
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Originally Posted by minimum View Post
Thank you guys for all the suggestions. I'll probably give Alex a call and see what terms he offers.

I looked at this state law (I am based in California):
https://codes.findlaw.com/ca/civil-c...t-1747-85.html

It looks like BoA violated state law by closing my account immediately without notice. I believe it is hard for BoA to argue that I pose a default risk to them so they need to give me 30 day written notice before closing my account. The closure caused me inability to redeem my points (monetary damage) so I think I have a case against them in court.

I'll probably sue them in SCC in California (and my SO can sue separately). Looks like I can sue for up to $10K which is adequate if I can get that much in the end.

Any suggestions are welcome.
Small Claim Court is a viable avenue. Though California system is a bit tough to navigate. You need to get familiar with the filing procedures in particular how to deliver your complaint. A friend did this several years ago against Citi. Took 2 tries and a total of 9 months (due to the first technical failure and refile) to get a check from Citi which dragged the payment ordered by Court for weeks until the friend sent their legal office a demand letter - the came FedEx the next day with the check.

Originally Posted by Mamibear View Post
@minimum, read Vinh's experience with a different card company who closed all his accounts forfeiting >$2K CB from cycling his $35K CL 3x. He said he would ping Alex to recoup his hard earned CB; send him a message in his blog or tweet to find out if he did.
With Citi, it is different due to Citi has reached agreements with both Alex lawfirms (the other lawyer is Alexander Darr) that if complaints are thru these 2 law firms Citi will settle in a predetermined formula for each account closed in last 2 years.
The agreement was reached in March 2018.

So it is relatively easy to handle a Citi shutdown which also is not permanent like Barclays and BofA. It lasts 30 months or so. Yet Barclays and BofA seem to be lifetime. lol.

Try to find the other Alex on DoC blog if you might. He has written on DoC blog. You may find the contact there. Or google Alex Darr. It does not hurt to contact Darr to see what his opinion is on BofA.
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Old Dec 13, 18, 4:02 pm
  #422  
 
Join Date: Dec 2018
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Originally Posted by Happy View Post
Yet Barclays and BofA seem to be lifetime. lol.
OK, I'm fine not doing business with BoA in the future. I have nothing to lose by suing them.

I'll reach out to Alex Darr and see what he thinks. Thanks!
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Old Dec 13, 18, 4:27 pm
  #423  
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Originally Posted by minimum View Post
OK, I'm fine not doing business with BoA in the future. I have nothing to lose by suing them.

I'll reach out to Alex Darr and see what he thinks. Thanks!
You should be able to find him just by googling his name. He has done a very good job helping those fight against Citi. Hopefully he would be able to help you.

Good luck and keep us updated.
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Last edited by Happy; Dec 13, 18 at 4:47 pm
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Old Dec 14, 18, 8:37 am
  #424  
 
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Originally Posted by Happy View Post
With Citi, it is different due to Citi has reached agreements with both Alex lawfirms (the other lawyer is Alexander Darr) that if complaints are thru these 2 law firms Citi will settle in a predetermined formula for each account closed in last 2 years.
Sadly this isn't true. At least according to TPOL.
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Old Dec 14, 18, 9:33 am
  #425  
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Originally Posted by sexykitten7 View Post
Sadly this isn't true. At least according to TPOL.
What is TPOL?
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Old Dec 14, 18, 10:36 am
  #426  
mia
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Originally Posted by ChrisFlyer66 View Post
What is TPOL?
Apparently: https://thepointsoflife.boardingarea.com/about/
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Old Dec 14, 18, 11:12 am
  #427  
 
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Originally Posted by ChrisFlyer66 View Post
What is TPOL?
afaik TPOL is Alexander Bachuwa
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Old Dec 14, 18, 1:59 pm
  #428  
 
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Originally Posted by DeltaNeutral28 View Post
Cycling your credit by a factor of two when you have a 25,000 credit limit would put you in their cross hairs. Cycling $90k 4.5x, well.....
I cycled a $10k limit every three days for a few months until I got it increased to $25k..
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Old Dec 14, 18, 3:13 pm
  #429  
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Originally Posted by sexykitten7 View Post
Sadly this isn't true. At least according to TPOL.
The information is from the other Alexander who from what I have read, seems to be one's better option should you need such service. The agreement was reached in Mar 2018 - how long that agreement exists, I have no idea because I only read about this on non English site.

You can easily google the other Alexander and find his firm's website.
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Old Dec 27, 18, 5:53 pm
  #430  
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Originally Posted by Chelski View Post

I cycled a $10k limit every three days for a few months until I got it increased to $25k..
I dont cycle dont want a shut down, but I do bring it up to the max. With the way Staples was going lately I was doing it fora few months, today an email from Chase that they are 2xing my CL, w/o me asking nor did I want it, but wont do anything least I stir up a hornets nest So from a fairly nice 5 figure CL its now thru the roof
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Old Dec 28, 18, 7:54 am
  #431  
 
Join Date: Aug 2018
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Originally Posted by craz View Post
I dont cycle dont want a shut down, but I do bring it up to the max. With the way Staples was going lately I was doing it fora few months, today an email from Chase that they are 2xing my CL, w/o me asking nor did I want it, but wont do anything least I stir up a hornets nest So from a fairly nice 5 figure CL its now thru the roof
I've actually had to drop my CL across my chase accounts due to these automatic increases. They had me up to 150% of household income between three people in the household, with 85% of it all being in my name. I wasn't sure if it was more risky to have that much credit or to draw attention to it by asking for the decrease, but I went for the decrease.
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Old Dec 28, 18, 9:55 am
  #432  
 
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Originally Posted by Melanion90 View Post
I've actually had to drop my CL across my chase accounts due to these automatic increases. They had me up to 150% of household income between three people in the household, with 85% of it all being in my name. I wasn't sure if it was more risky to have that much credit or to draw attention to it by asking for the decrease, but I went for the decrease.
Does Chase look at issued credit across all accounts in a household to determine CL?
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Old Jan 1, 19, 2:14 pm
  #433  
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New year = new thread.

Please continue the discussion here:

2019 Shutdown Thread
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