topic Re: Chase Suspended Online Access in Personal Finance

Chase Suspended Online Access

Anonymous — Wed, 04 Apr 2018 02:31:57 GMT

I recently opened an online Chase account. I am not in a location near by any branch and hence did it online. When I scheduled a transfer into savings account, I got an email saying that the transfer was cancelled and I see this message online. Did this happen to anyone else? They are not able to help me online as well. Told me to call nearest chase branch (which is above 100 miles) and have them call the online people.

We weren't able to sign you in; please call us so we can help.

Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers, depending on the type of account you have:

Personal checking, savings, CDs and business banking: 1-877-CHASEPC (1-877-242-7372); TTY support: 1-800-242-7383
Credit cards: Please call the number on the back of your credit card; TTY support: 1-800-955-8060
Mortgages: 1-800-848-9136; TTY support: 1-800-582-0542
Home equity lines of credit and loans: 1-800-836-5656; TTY support: 1-800-582-0542
Auto loans/leases: 1-800-336-6675; TTY support: 1-800-524-9765
Investments/retirement: 1-800-392-5749
JPMorgan Securities: 1-888-807-6898
Chase Commercial Online: Contact your Client Service Professional or Officer
Chase Private Client: Contact your Private Client Banker or call 1-888-994-5626; TTY support: 1-800-242-7383
Private Banking: Contact your dedicated Client Service Team

If you're calling from outside the United States or you need TTY support that isn't listed here, please visit

Re: Chase Suspended Online Access

Anonymous — Wed, 04 Apr 2018 10:04:49 GMT

creditUser101 ... that sure had to be a surprise! Chase blocks me by Zip Code when I try to sign up for regular banking services online and when I call they inform me I am not in their banking market foot print. OK ... I get it (not really a big deal) as I have good banking services and no Chase Branches anywhere as I live in the outback (but still on the grid)

Re: Chase Suspended Online Access

Anonymous — Wed, 04 Apr 2018 13:18:55 GMT

It used to do that for me as well before. But it worked for me after March 31st for some reason.

Re: Chase Suspended Online Access

DaveInAZ — Wed, 04 Apr 2018 13:38:37 GMT

Well, I'd call your nearest branch and see if they can help you.

Banks seem to be skittish lately with external transfers from recently opened accounts. I opened a Amex High Yield Savings account in February online with no problem, and used it to pay my Amex card in March. But as soon as I did an external transfer to Discover savings in late March I got a phone call from Amex demanding to know if the Discover savings account was a "personal account", and if the local credit union account I used for the initial funding of Amex savings was also a "personal account". I told the rep Yes, I only have personal accounts, and as I'm single they're personal accounts in my name only. That seemed to satisfy them. Hopefully that's all that Chase wants to know.

Re: Chase Suspended Online Access

Anonymous — Thu, 05 Apr 2018 01:03:51 GMT

Got my online access back after an hour long phone call with Senior analyst. Not sure if I still need to visit a branch and get things verified in person.

Re: Chase Suspended Online Access

Anonymous — Sat, 07 Apr 2018 02:05:39 GMT

Sounds like it was just Amex getting upset that you were sending Money to Discover. lol

Re: Chase Suspended Online Access

Anonymous — Sun, 08 Apr 2018 23:52:22 GMT

I still had to visit the branch because my account was restricted and ID verification was pending. Got that done this Saturday and everything is working fine now.

Since I initiated the transfer from my other Bank account and that was canceled by the chase (because they thought it was fraud), I was asked by the banker to log-in into my other bank account and show them that I have sufficient balance in my other account. Before initiating the online transfer, I followed the process of adding my external bank account by having chase deposit two small amounts in my other bank's checking account. I still don't understand how they can ignore this verification process and asked me to log-in into my other bank account to show them the balance.

Re: Chase Suspended Online Access

Anonymous — Fri, 13 Apr 2018 15:16:06 GMT

Oh man! that 100 mile drive

Re: Chase Suspended Online Access

DaveInAZ — Fri, 13 Apr 2018 17:53:49 GMT

@Anonymous wrote:
I still had to visit the branch because my account was restricted and ID verification was pending. Got that done this Saturday and everything is working fine now.

Since I initiated the transfer from my other Bank account and that was canceled by the chase (because they thought it was fraud), I was asked by the banker to log-in into my other bank account and show them that I have sufficient balance in my other account. Before initiating the online transfer, I followed the process of adding my external bank account by having chase deposit two small amounts in my other bank's checking account. I still don't understand how they can ignore this verification process and asked me to log-in into my other bank account to show them the balance.

Chase seems to be going a bit overboard in fraud protection lately. I also found my access denied when I tried logging in yesterday morning. I called the # on the screen and after a lot of ID verification and a couple transfers I got to the person who thought my scheduled transfer of $6k from Discover savings to Chase was "suspicious activity". She wanted to do a conference call to Discover to verify the account was mine and thats I had the available funds. I responded "well, if you look at the transactions on my account you'll see I have my Social Security benefit direct deposited to the account". She misunderstood and said "I'm not going to close your account, I'm saying to approve the transfer we need to conference call Discover". I replied "well, you're saying the transaction is "suspicious" which means possible fraud, and what I'm saying most people trying to commit fraud on a bank account aren't stupid enough to try that on an account they have their social security deposited into".

She insisted on the conference call with Discover and I refused, I told her to just reject the transfer and I'll do the transfer from Discover to Chase. I thought the conference call with Discover request was unreasonable, and was also concerned it might raise a red flag with Discover. What's stupid is I've pulled from Chase to Discover recently, but they think pulling from Discover to Chase is "suspicious activity". I just hate transferring out from Discover to external accounts - their ACH transfers out are very slow, 3-4 biz days, while they immediately deduct the transfer amount from the account, so you lose a couple days interest, more if over a weekend which this one is. When you pull from Disco savings you earn intererest until the external banks gets the funds. Only a couple bucks, but just annoying.

Oh well, once the transfer from Disco gets to Chase I'll try a smaller transfer on the Chase side. I just opened the Chase account in January for the $300 new account bonus w/direct deposit. This just confirms that at the 6 month mark to not forfeit the bonus I'll close the account and stick with credit unions.

Re: Chase Suspended Online Access

Anonymous — Fri, 13 Apr 2018 20:19:09 GMT

DaveInAZ ... exactly why I shut down my Discover Checking and Savings accounts. Worked well with them but, they were taking four to eight days for every transfer. Why? Moved elsewhere and said too bad

Re: Chase Suspended Online Access

Anonymous — Fri, 13 Apr 2018 21:44:00 GMT

The same thing happened to me as well during the one-hour long call. That analyst wanted to have a conference call with Bank of America from where I initiated the transfer. I gave him the number and he tried calling them but the wait time was too long and he gave up and eventually granted me the access to the online website. I am also going to shut down Chase after bonus conditions are met.

Looks like they are unable to differentiate between scammers/fraudster and genuine people. Such things are causing a lot of inconvenience to genuine people in terms of time, money etc.

Re: Chase Suspended Online Access

DaveInAZ — Fri, 13 Apr 2018 22:26:46 GMT

@Anonymous wrote:
DaveInAZ ... exactly why I shut down my Discover Checking and Savings accounts. Worked well with them but, they were taking four to eight days for every transfer. Why? Moved elsewhere and said too bad

I opened the Discover Savings for a $150 bonus for depositing $15k, and they pull the money in via ACH about as fast as anyone else, but they are very slow sending money out via ACH and it seems intentional. I'll stick with it for now, but will pull $$$ from external accounts I have linked to Discover. I also have Amex Savings, and they're pretty fast pushing or pulling via ACH.

Re: Chase Suspended Online Access

Anonymous — Tue, 11 Sep 2018 03:21:10 GMT

@DaveInAZ, Appreciate your posts. And would appreciate a fast response, pls...

Unfortunately, I'm in the exact same predicament (more below) and WILL NOT tolerate the goons at Chase peeking into ANY information at my external bank in the name of "verification". So, could you pls express whether you:

1.) could link into your Chase checking and savings accounts at an external bank and ACH Pull funds out of chase in order to close out the account? Will the goons at Chase suspend even these funds transfers from going out via this ACH Pull from the external bank?

2.) If you could not ACH pull at Chase to pull-into-Chase funds from an external bank, how did you transfer a large amount like 15K/25K into Chase savings? Did you deposit external-bank checks into chase? (External-bank restricts ACH-pushes to $3000 only).

3.) could you do ACH-Push funds out of Chase accounts to your external Bank *without* the FRAUDs at the Fraud-Alerts-Team ("money-movement team") suspending and locking you out?

This so-called "money-movement team" are FRAUDS trying to eek out a career willy-nilly locking customers accounts for no apparent reason. They suspended my accounts access, including my 5yr+ credit-card account, just because I added an external-bank and scheduled an ACH-Pull at Chase from my external-bank!!! I had to spent close to an hour "verifying" my info and when I refused to allow them to bully-me and "peak into" my external-bank, the Rep cooly rejected the transfer request AND deleted my linked External-Account!!!???!! and just "un-suspended" my online access.

I'm afraid now, these goons at Chase will somehow suspend my account again and levy me with fees while I try to close out my accounts and rollback my mistake of opening, just last week, for the $500 bonus. Apart from the bonus, its absolutely deadbeat for me to bank with these Chase daylight dacoits.

Chase customer DIS-service reps are a**holes and think they can muscle and bully their way with their hapless customers who make the mistake of opening Checking and/or Savings accounts and FORCE them to disclose how much money we have with in our *other* bank account!@#@$! HOW IN THE HELL IS THAT AN "OK" PRACTISE - ITS OUTRIGHT ILLEGAL AND THUGERY IN BROAD DAYLIGHT!$#@! I'm aghast to even know that there *are* other hapless customers who have *quietly* complied with this hand-wringing and bullying in *broad daylight* !?!?! Chase has NO f***ing LEGAL RIGHT to even ask for such a preposterous "verification" - What were those trial deposits verification for, then?!?! I for one would NEVER even do the "verify with instant LOGIN" step anywhere, because, if you read the fine-print, they "can and will" store your login and password of the external-bank for "sometime" !!! (And if they loose that info in some hacking later on, they're cannot be held responsible as you'd have given away your rights!!).

I will NEVER again bank with CHASE, this is BEYOND INSANE to me.

Re: Chase Suspended Online Access

Anonymous — Tue, 11 Sep 2018 18:53:07 GMT

@Anonymous wrote:
@DaveInAZ, Appreciate your posts. And would appreciate a fast response, pls...
Unfortunately, I'm in the exact same predicament (more below) and WILL NOT tolerate the goons at Chase peeking into ANY information at my external bank in the name of "verification".

When I had an issue with Chase (I wasn't locked out, I just didn't like a long hold on a small check), they conferenced the other bank simply to inquire about the account title and if my balance was greater than $[amount of funds I was pulling from it]. They didn't pry at all.

Re: Chase Suspended Online Access

Anonymous — Tue, 11 Sep 2018 19:30:05 GMT

I'm still tying to figure out why Chase thinks that moving Money from Discover to them is "suspicious", surely it should be the other way around? But then again I find it odd that my Bank wants my security passphrase when I make a deposit. I'm like um who in their right mind deposits Money into someone else acct? lol

Re: Chase Suspended Online Access

Medic981 — Tue, 11 Sep 2018 19:33:57 GMT

@Anonymous wrote:
I'm still tying to figure out why Chase thinks that moving Money from Discover to them is "suspicious", surely it should be the other way around? But then again I find it odd that my Bank wants my security passphrase when I make a deposit. I'm like um who in their right mind deposits Money into someone else acct? lol

It all goes back to the Patriot Act and "know your customer" provisions.

Re: Chase Suspended Online Access

Kforce — Tue, 11 Sep 2018 20:48:13 GMT

@DaveInAZ wrote:
@AnonymousClose the account and stick with credit unions.

+ 1, Left "Chase Bank" a long time ago, had lots of problems !

Don't miss them even a little.

Credit Unions are better for banking than banks (IMO)

Re: Chase Suspended Online Access

Anonymous — Wed, 12 Sep 2018 02:01:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@DaveInAZ, Appreciate your posts. And would appreciate a fast response, pls...
Unfortunately, I'm in the exact same predicament (more below) and WILL NOT tolerate the goons at Chase peeking into ANY information at my external bank in the name of "verification".

When I had an issue with Chase (I wasn't locked out, I just didn't like a long hold on a small check), they conferenced the other bank simply to inquire about the account title and if my balance was greater than $[amount of funds I was pulling from it]. They didn't pry at all.

Appreciate your quick response.

When Chase conferences in your external-bank, the external-bank will have to ask ALL their regular auth Qs to you, AND the Chase rep AND Chase will hear all that AND have complete access to your bank without ANY legal responsibility to that info! - how 'bout that?! Now that bank acct is THEIRS' for the taking any time, for eternity! That is why its very stupid of you (no offense) to have let them hand-twist you to reveal all that to them. I'm surprised there's still no class-action against Chase for such an outright illegal practise.

Re: Chase Suspended Online Access

Anonymous — Wed, 12 Sep 2018 02:05:55 GMT

Can you pls express whether you:
1.) could link into your Chase checking and savings accounts at an external bank and ACH Pull funds out of chase in order to close out the account? Will the goons at Chase suspend even these funds transfers from going out via this ACH Pull from the external bank?
2.) If you could not ACH pull at Chase to pull-into-Chase funds from an external bank, how did you transfer a large amount like 15K/25K into Chase savings? Did you deposit external-bank checks into chase? (External-bank restricts ACH-pushes to $3000 only).
3.) could you do ACH-Push funds out of Chase accounts to your external Bank *without* the FRAUDs at the Fraud-Alerts-Team ("money-movement team") suspending and locking you out?

Could anyone with info please respond at the earliest to these Qs?

Re: Chase Suspended Online Access

Lurker22 — Wed, 12 Sep 2018 16:54:44 GMT

@Anonymous wrote:
Can you pls express whether you:
1.) could link into your Chase checking and savings accounts at an external bank and ACH Pull funds out of chase in order to close out the account? Will the goons at Chase suspend even these funds transfers from going out via this ACH Pull from the external bank?
2.) If you could not ACH pull at Chase to pull-into-Chase funds from an external bank, how did you transfer a large amount like 15K/25K into Chase savings? Did you deposit external-bank checks into chase? (External-bank restricts ACH-pushes to $3000 only).
3.) could you do ACH-Push funds out of Chase accounts to your external Bank *without* the FRAUDs at the Fraud-Alerts-Team ("money-movement team") suspending and locking you out?

Could anyone with info please respond at the earliest to these Qs?

I have no issues doing any of them via ACH, Zelle or Wire - only once had them suspend my online access due to "fraud detection" and I appreciated them doing so though the transaction was ligit