topic Re: CHASE RECON HELP HELP in Credit Cards

CHASE RECON HELP HELP

Sooners2013 — Tue, 10 Mar 2015 22:46:05 GMT

After many years with Chase I received a letter from them closing my account. No request for information, nothing. Never late. Never max and no change in my overall credit. I need a number to call Chase to speak with them. Can you HELP me please?

Re: CHASE RECON HELP HELP

baller4life — Tue, 10 Mar 2015 22:50:48 GMT

That SUCKS. Good luck to you!

Chase: 888-245-0625 Credit Analyst - Recons
Chase: 888-622-7547 Chase Executive Ofc.

Re: CHASE RECON HELP HELP

ojefferyo — Wed, 11 Mar 2015 17:27:54 GMT

@Sooners2013 wrote:
After many years with Chase I received a letter from them closing my account. No request for information, nothing. Never late. Never max and no change in my overall credit. I need a number to call Chase to speak with them. Can you HELP me please?

Nothing has changed? No new credit or seeking credit? I don't understand why they would just all the sudden close your account, there must be something that triggered it. Maybe some popped up on your CR they didn't like.

Re: CHASE RECON HELP HELP

CreditCuriosity — Wed, 11 Mar 2015 17:31:43 GMT

Ugh not another one of these again .... You only using the 5% categories or something? If they don't want you to use these type things they shouldn't offer them!!! Not saying this is the case, but sick of seeing Chase closed me and usually it comes down to something basically being your are not protifable, although they would never tell you this.

Re: CHASE RECON HELP HELP

CreditCuriosity — Wed, 11 Mar 2015 17:33:14 GMT

You been carrying a balance and just doing min payments or near min payments for a long time? What is your current utilization on that card? More info please! Also please call recon and let us know what they say, you might want to be transferred to the Risk dept if Recon is no help.

Re: CHASE RECON HELP HELP

Anonymous — Wed, 11 Mar 2015 17:35:57 GMT

If bonus chasing and redemption is the culprit here then i'm fair game. Lol.

I hardly use my Freedom card though due to spend bonuses at the moment. Maybe this keeps me off the radar?

Re: CHASE RECON HELP HELP

CreditCuriosity — Wed, 11 Mar 2015 17:38:09 GMT

@Anonymous wrote:
If bonus chasing and redemption is the culprit here then i'm fair game. Lol.

I hardly use my Freedom card though due to spend bonuses at the moment. Maybe this keeps me off the radar?

@Look through OP's other posts and trying to find out what set it off.. One thing I have seen with another poster last year was NFCU set it off @ 25k, this poster appers to maybe got a 25k as well and they finally did an AR? Just grabbing straws out of the air on what could be the cause of this AA. I really don't that is the caes though.

Re: CHASE RECON HELP HELP

happypill — Wed, 11 Mar 2015 23:15:49 GMT

Lack of information just keeps everyone guessing.

Re: CHASE RECON HELP HELP

FinStar — Wed, 11 Mar 2015 23:20:57 GMT

@ojefferyo wrote:
@Sooners2013 wrote:
After many years with Chase I received a letter from them closing my account. No request for information, nothing. Never late. Never max and no change in my overall credit. I need a number to call Chase to speak with them. Can you HELP me please?
Nothing has changed? No new credit or seeking credit? I don't understand why they would just all the sudden close your account, there must be something that triggered it. Maybe some popped up on your CR they didn't like.

It appears something spooked them, unless your CC was compromised due to fraud. Otherwise, this is likely in the hands of the PRR department. Nothing that the anaysts or reconsideration teams can do since the account is likely flagged for some reason. The PRR department is your best bet to determine (if possible) the reason for closure.

Re: CHASE RECON HELP HELP

Anonymous — Wed, 11 Mar 2015 23:20:11 GMT

@Sooners2013 wrote:
After many years with Chase I received a letter from them closing my account. No request for information, nothing. Never late. Never max and no change in my overall credit. I need a number to call Chase to speak with them. Can you HELP me please?

For us to help you, we need the entire story to give you suggestions/come up with a plan. Why did Chase all of a sudden decide to close your accouts? Yes, you have been a customer for years but something must have triggered this.

Re: CHASE RECON HELP HELP

ojefferyo — Wed, 11 Mar 2015 23:39:06 GMT

We may never know.

Re: CHASE RECON HELP HELP

Anonymous — Wed, 11 Mar 2015 23:45:08 GMT

@ojefferyo wrote:
We may never know.

@ojefferyo,

I hope not.. We can all learn from OP. Where is he/she?

Re: CHASE RECON HELP HELP

ojefferyo — Thu, 12 Mar 2015 00:15:34 GMT

Hopefully down Chase's throat

Re: CHASE RECON HELP HELP

Anonymous — Thu, 12 Mar 2015 00:17:49 GMT

@ojefferyo wrote:
Hopefully down Chase's throat

Hahahaha.. I hope so and I hope he/she reports back.

Re: CHASE RECON HELP HELP

sjt — Fri, 13 Mar 2015 01:30:35 GMT

@Sooners2013 wrote:
After many years with Chase I received a letter from them closing my account. No request for information, nothing. Never late. Never max and no change in my overall credit. I need a number to call Chase to speak with them. Can you HELP me please?

Call the Recon Dept or the Executive offices.

Keep us posted.

Re: CHASE RECON HELP HELP

Sooners2013 — Fri, 13 Mar 2015 01:42:48 GMT

I have a very long credit history and have never had a late payment on ANY account. Most of my accounts are allat least 4-7 years old. My chase card was opened in 2010 and I had never been late, over the limit, or any issues. I have years ago had a balance that was paid over a 2-3 month period, but in the last 2+ years I have always paid in full. My credit scores and utlization have not had any significant change. Most of my limits on cards are $20-50,000. I pay all of those in full each month and run as much as $30-40,000 on my primary card, which is not the Chase card, each month. My total avaialable credit lines are over $300,000, but never have any balances reporting as I pay them in full before they bill each month so that my statement balances are at 0. I havent had any questionable charges, no seeking bonuses or anyting unusual.

When I called the customer service all they would say is that the bank had decided to terminate the relationship. I then called credit recon department and they only would repeat the same. No one could or would provide me with any firm information. So, that is all I can tell you about their decision.

I have two cards with BofA with total limits of over $100,000. I have three citibank cards including the AA and AA Executive with total lines of $125,000. My others are Elan $25,000, PenFed 40,000, NFCU $40,000, and several others. My Chase was one of my lowest with $15,000 so it wasnt my choice of cards.

Re: CHASE RECON HELP HELP

Anonymous — Fri, 13 Mar 2015 01:50:48 GMT

@Sooners2013 wrote:
I have a very long credit history and have never had a late payment on ANY account. Most of my accounts are allat least 4-7 years old. My chase card was opened in 2010 and I had never been late, over the limit, or any issues. I have years ago had a balance that was paid over a 2-3 month period, but in the last 2+ years I have always paid in full. My credit scores and utlization have not had any significant change. Most of my limits on cards are $20-50,000. I pay all of those in full each month and run as much as $30-40,000 on my primary card, which is not the Chase card, each month. My total avaialable credit lines are over $300,000, but never have any balances reporting as I pay them in full before they bill each month so that my statement balances are at 0. I havent had any questionable charges, no seeking bonuses or anyting unusual.
When I called the customer service all they would say is that the bank had decided to terminate the relationship. I then called credit recon department and they only would repeat the same. No one could or would provide me with any firm information. So, that is all I can tell you about their decision.
I have two cards with BofA with total limits of over $100,000. I have three citibank cards including the AA and AA Executive with total lines of $125,000. My others are Elan $25,000, PenFed 40,000, NFCU $40,000, and several others. My Chase was one of my lowest with $15,000 so it wasnt my choice of cards.

@Sooners1013,

Sorry to hear. Hopefully they re-open it as they did for others...

Re: CHASE RECON HELP HELP

CreditCuriosity — Fri, 13 Mar 2015 01:57:42 GMT

My guess is they figured you had sufficent credit or possibly even over extended and they never really got any use, thus you weren't profitable and they obviously could see your other 50k CL's with other banks... Probably just a business decision. Not a very tasteful one on how they did it, but that is just my guess.

Re: CHASE RECON HELP HELP

Anonymous — Fri, 13 Mar 2015 02:03:57 GMT

@CreditCuriousity wrote:
My guess is they figured you had sufficent credit or possibly even over extended and they never really got any use, thus you weren't profitable and they obviously could see your other 50k CL's with other banks... Probably just a business decision. Not a very tasteful one on how they did it, but that is just my guess.

I second this.. But what I Don't get why is it soo difficult to tell the cardholder the truth about account closure. I know it is about money but it is just not right.

Re: CHASE RECON HELP HELP

Ghoshida — Fri, 13 Mar 2015 02:09:52 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
My guess is they figured you had sufficent credit or possibly even over extended and they never really got any use, thus you weren't profitable and they obviously could see your other 50k CL's with other banks... Probably just a business decision. Not a very tasteful one on how they did it, but that is just my guess.

I second this.. But what I Don't get why is it soo difficult to tell the cardholder the truth about account closure. I know it is about money but it is just not right.

Even if it is about money, it is not right.

The customer deserves to know why an adverse action is being taken, and not in some vague manner. This is basic business courtesy.

OP, are you able to redeem your rewards (if you had any pending)? If not, I guess small claims is the way.