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When a non-satisfactory relationship occurs, all of your cards and accounts are closed. However, what still bugs me is that if I was truly a victim of fraud and there was suspicion activity on my account, I will never know because this information was never disclosed to me. If you're someone who has large international wires, then I would avoid using Chase because it usually triggers a financial review that can lead to a shutdown. I wanted to post this on Reddit to see if I have any legal rights as a consumer, due to the financial distress that I’m currently experiencing. Beginning November 1 through April 30, 2021, Chase Sapphire Reserve and Chase Sapphire Preferred Card cardmembers can earn extra points on grocery store purchases. Thanks for the encouragement!!! Account Locked Out For Suspicious Activity. Closed. I'm not sure why, but after your third or fourth Chase card, they start to give you high credit limits. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I made an appointment with BECU. Banks get concerned when they don't know where the money is coming from. Hotel Rewards Credit Cards The main thing Chase is concerned about is you're selling your credit cards as a service to help them improve their credit. So forgive me if this is confusing or I have typos. The $100 airline fee credit is issued every calendar year, and cardholders need to activate and select their airline of choice. Airline Credit Cards American Express recently announced that Amex Platinum, Gold, and Green cards will receive complimentary access to Uber Eats Pass for 12 months. In certain circumstances, they will send a message saying you're rejected because of a previous non-satisfactory relationship. Most shutdowns happen because they're seeing unusual transactions and seen as "risky.". The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Banks sometimes err on the side of caution even if you have a perfectly good explanation for odd banking activity, such as frequent, large transactions when you don't hold a job. I woke up this morning to an email from Chase saying that my account was closed due to suspicious activity. I was not affected by this but I did have to confirm my identity with unemployment which was then approved and I began receiving payments to my checking account, until today. If you're someone who's new to credit and you apply for a lot of Chase cards in a short amount of time, this may trigger a shutdown. I will definitely do that. On the Bitcoin and cryptocurrency side, especially if you're using Coinbase, my recommendation is to link it to another account that's not Chase. The only ones that can't are the reputational risk — so if you work in an industry they don't approve of, or if you end up suing someone they don't approve. Plastiq is a service that lets you pay virtually any bill with a credit card. Today when I called, someone picked up the phone and said nothing and just hung up on me. I ended up going to a Chase branch and spoke to a banker and she told me that there’s nothing they can do and that she’s also shocked that this is happening. I'm going to list a bunch of items, and for you, some of these actions may seem reasonable, but Chase is within its right to cancel their relationship with you. Again, you're seen as risky because you have a thin credit profile with a ton of credit. NEW! This is when you add people to your credit cards as an authorized user when they don't have a purpose of being there. The decision to close/suspend a bank account is not based on the contents of your credit report but rather what is in a specialty banking report from companies like ChexSystems, Telecheck, and Early Warning Systems. Only time they remove it over the phone is when they do something call expert authentication and you have to be outside of the US. Sorry for the bad experience over the phone, hours of operation continue limited in some departments and specially in english... with this being said, one little trick to avoid waiting times is selecting the spanish option, spanish is always faster! Business Credit Cards, Amazon.comAirport LoungesBuilding CreditBusiness Credit CardsCash BackChase Ultimate RewardsCredit Card BenefitsCredit CardsCredit Cards 101Hotel Credit CardsHotel PointsSCRA BenefitsTravelTravel AccessoriesTrip Reports. Want the latest article? Press question mark to learn the rest of the keyboard shortcuts. Haha great way to look at it! She said my account (checking and savings) are closed (after 10+ years of being a loyal customer) and she won’t tell me why because Chase can do whatever they want and they don’t owe me an explanation. The people who make these decisions do not interact with customers, and are not permitted to inform front-line customer service staff about the reason. I was required to have a personal account as well though, but they closed it the next day. Also if anyone else has experience with this or is currently dealing with the same situation. For example, if you received your first credit card three months ago, and you apply for 6 Chase cards in the next six months, it raises a red flag. When you buy store branded gift cards, it's harder to liquidate. In many countries, they aren't even required to tell you why they've decided to close your account. I had 30k held up in a frozen account for half a year with a bank until I dropped a bunch on attorneys to shake the tree. Banks may also close your account for suspicious activity — if you're engaging in some sort of fraud, the institution can be held partially responsible. When I tried to log into my account it told me the account is locked and I need to call a number (‭(877) 691-8086‬). We see posts like this from time to time.


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