Jan 1, 2020, 10:56 am
Last edit by: ChrisFlyer66
For the 2021 shutdown thread, click here: https://www.flyertalk.com/forum/manufactured-spending/2031831-2021-shutdown-thread.html
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
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 brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
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 brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
2020 Shutdown Thread
Feb 16, 2020, 7:04 pm
#151
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
Feb 21, 2020, 1:03 pm
#152
Join Date: Sep 2017
Programs: WN A-list., Marriott Plat, National EX, UA Silver
Posts: 289
Just got my checking account shutdown. I mainly used for MS MO deposits and then transferred the funds out. They are giving me a month to use my account and transfer my funds before closing it. They won't provide any details on why or allow any reconsideration. Not a big deal as I keep my normal finances in a different bank. It is a bank with branches in multiple states. About 12k in MO's deposited in a 3 month period. All in similar MO check amounts. Had account open before 3 months before that for a SUB (no MS). Nobody ever questioned my deposits at the branch.
Last edited by flyguy6; Feb 21, 2020 at 2:38 pm
Feb 21, 2020, 1:23 pm
#153
Join Date: Jan 2020
Posts: 57
Just got my checking account shutdown. I mainly used for MS MO deposits and then transferred the funds out. They are giving me a month to use my account and transfer my funds before closing it. They won't provide any details on why or allow any reconsideration. Not a big deal as I keep my normal finances in a different bank. It was a smaller bank with only branch in 1 state. About 12k in MO's deposited in a 3 month period. All in similar MO check amounts. Had account open before 3 months before that for a SUB (no MS). Nobody ever questioned my deposits at the branch.
Feb 21, 2020, 2:36 pm
#154
Join Date: Sep 2017
Programs: WN A-list., Marriott Plat, National EX, UA Silver
Posts: 289
Feb 21, 2020, 2:56 pm
#155
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
Just got my checking account shutdown. I mainly used for MS MO deposits and then transferred the funds out. They are giving me a month to use my account and transfer my funds before closing it. They won't provide any details on why or allow any reconsideration. Not a big deal as I keep my normal finances in a different bank. It is a bank with branches in multiple states. About 12k in MO's deposited in a 3 month period. All in similar MO check amounts. Had account open before 3 months before that for a SUB (no MS). Nobody ever questioned my deposits at the branch.
However, it is good to know that this bank is a bit antsy when it comes to MOs and checking accounts. Thanks for the DP.
Feb 25, 2020, 12:03 pm
#156
Join Date: Sep 2017
Programs: WN A-list., Marriott Plat, National EX, UA Silver
Posts: 289
It does not seem like a large amount of MO deposits. However, if that was the only deposits you were making, then perhaps it caught the eye of someone in the bank. I also suspect that the cycle time between deposits and withdrawals was minimal (check you average daily balance). Your ADB probably was only in the hundreds of dollars, if that.
However, it is good to know that this bank is a bit antsy when it comes to MOs and checking accounts. Thanks for the DP.
However, it is good to know that this bank is a bit antsy when it comes to MOs and checking accounts. Thanks for the DP.
Update. I was told by a manager at a branch that what she could see in the computer system was my account was listed as a "G shutdown". She knew me as a regular there and probably was not support to tell me that. She couldn't explain what that meant or see any more info on it. Maybe a government agency sent a complaint to the bank and they decided the easiest thing to do was close the account.
Feb 25, 2020, 1:40 pm
#157
Join Date: Oct 2012
Posts: 143
TCF is shutting their brancehs around here faster than they are shutting accounts. I've benn using them for MO deposits for years.
Feb 25, 2020, 2:55 pm
#158
Join Date: Jan 2020
Posts: 57
It looks like I can't use JAMS for my Citi Arbitration 
Citi Double Cash card agreement only mentions AAA
"Arbitration shall be conducted by the American Arbitration Association (“AAA”) according to this arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.org) or by calling 800-778-7879."
https://www.citi.com/CRD/PDF/CMA/car...eCashADA-3.pdf
Citi Double Cash card agreement only mentions AAA
"Arbitration shall be conducted by the American Arbitration Association (“AAA”) according to this arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.org) or by calling 800-778-7879."
https://www.citi.com/CRD/PDF/CMA/car...eCashADA-3.pdf
Feb 25, 2020, 3:19 pm
#159
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
On a side note, are their Bans permanent or can I get in again in 1-2 years? I couldn't give a crap about Doublecash as I have other 2x, and the graaavy train is dead, but I may want to do some signup bonuses on the TYP cards in the future.
Feb 25, 2020, 3:26 pm
#160
Join Date: Mar 2009
Posts: 2,295
Well I got shutdown by Citi today, but I've been doing BP / bank payments for 2+ years, and MSing on their cards since 2013. Probably they just do the rounds and check on each account eventually when they see something unusual.
On a side note, are their Bans permanent or can I get in again in 1-2 years? I couldn't give a crap about Doublecash as I have other 2x, and the graaavy train is dead, but I may want to do some signup bonuses on the TYP cards in the future.
On a side note, are their Bans permanent or can I get in again in 1-2 years? I couldn't give a crap about Doublecash as I have other 2x, and the graaavy train is dead, but I may want to do some signup bonuses on the TYP cards in the future.
What volume were you doing with Citi?
Feb 25, 2020, 3:50 pm
#161
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Lately no more than 20k on a 14k limit. In some months in the glory days of WM unrestricted MOs, I'd do 60k+ easily. I also have gone through dozens of AA card bonuses and several of them acquired from mailers. I kind of wonder if it has something to do with that too.
Feb 26, 2020, 4:20 am
#162
Join Date: Dec 2010
Posts: 1,516
Lately no more than 20k on a 14k limit. In some months in the glory days of WM unrestricted MOs, I'd do 60k+ easily. I also have gone through dozens of AA card bonuses and several of them acquired from mailers. I kind of wonder if it has something to do with that too.
Feb 26, 2020, 12:56 pm
#164
Join Date: Oct 2013
Posts: 1,322
It looks like I can't use JAMS for my Citi Arbitration
Citi Double Cash card agreement only mentions AAA
"Arbitration shall be conducted by the American Arbitration Association (“AAA”) according to this arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.org) or by calling 800-778-7879."
https://www.citi.com/CRD/PDF/CMA/car...eCashADA-3.pdf
Citi Double Cash card agreement only mentions AAA
"Arbitration shall be conducted by the American Arbitration Association (“AAA”) according to this arbitration provision and the applicable AAA arbitration rules in effect when the claim is filed (“AAA Rules”), except where those rules conflict with this arbitration provision. You can obtain copies of the AAA Rules at the AAA’s website (www.adr.org) or by calling 800-778-7879."
https://www.citi.com/CRD/PDF/CMA/car...eCashADA-3.pdf
Feb 26, 2020, 3:19 pm
#165
Join Date: Sep 2019
Posts: 317
Citi has different terms for its various cards and they have changed over the years. Some cards allow both arbitration organizations, some don't. The terms applicable to an individual may be the ones that existed when the card was first obtained, regardless of subsequent changes for other cardholders. It's always a good idea to check with an attorney about such things.