topic Re: Chase blacklist fix in Credit Cards

Chase blacklist fix?

micvite — Wed, 08 Sep 2021 15:42:24 GMT

Is there any recourse I have to get things fixed with Chase other than wait it out? Apparently I'm blacklisted (talked to someone in branch when I wanted to open a business acc with them). My file says "no new accounts". I thought they just closed my CC due to my util skyrocketing and my scores dropping but this leads me to think there may have been or there is some underlying issue.

Full story went something like this: opened credit card, maxed it out on balance transfer to my checking account, they closed my card. Got it reconned and everything was fine for a month or so. Opened a checking account with them in hopes to give them a little more security I was going to pay since they were getting my paychecks. 2 days later my checking account is closed. I try opening another one which goes through so I figure it's some sort of glitch. 3 days after that I get a letter saying they've terminated all business with me, both checking and cc are closed. Call in for a recon on cc they say no because util is too high credit scores too low and too many new accs. Would this really bar me from ever opening a chase acc again? I didn't burn them on the balance, paid it off over the course of a year (4800$) and autopsy was on for minimum payment every month before I did a full payoff at the end.

Something else to note: whenever I tried to make a payment over the phone for the cc they wouldn't let me stating "due to fraud issues you have to go to a branch or mail payment". Can't seem to get any straight answer out of them as to what's going on and why I'm blacklisted even after 2 hours on the phone and being transfered to every department they had other than the CEOs personal cell phone.

My chase credit journey is still active and I get emails about it though my login is suspended so I can't see any of them. When I try to login I get the message attached and if I call I get various responses from: let's reset your password, to let me transfer you to internet support, to your account is closed so you can no longer access online banking, to I've reset your password try logging in now!

Any advice or input on what could possibly going on or if anyone went through this is appreciated... chase has been extremely disorganized and unable to tell me what the situation is on multiple phone calls and letters.

Re: Chase blacklist fix

SPChaser — Wed, 08 Sep 2021 10:56:47 GMT

Others more knowledgeable on this will chime in, but it appears the balance transfer to your checking account was the trigger, specifically maxing out the new account. Chase, I've learned from this site, is more sensitive to anything remotely questionable than any other major lender, so I'm always mindful of how I proceed with them with any of my accounts. This notwithstanding, Chase is not the only player in town, and there are a great many banks that would love your business.

Re: Chase blacklist fix

SUPERSQUID — Wed, 08 Sep 2021 15:44:10 GMT

@micvite wrote:
Is there any recourse I have to get things fixed with Chase other than wait it out? Apparently I'm blacklisted (talked to someone in branch when I wanted to open a business acc with them). My file says "no new accounts". I thought they just closed my CC due to my util skyrocketing and my scores dropping but this leads me to think there may have been or there is some underlying issue.

Full story went something like this: opened credit card, maxed it out on balance transfer to my checking account, they closed my card. Got it reconned and everything was fine for a month or so. Opened a checking account with them in hopes to give them a little more security I was going to pay since they were getting my paychecks. 2 days later my checking account is closed. I try opening another one which goes through so I figure it's some sort of glitch. 3 days after that I get a letter saying they've terminated all business with me, both checking and cc are closed. Call in for a recon on cc they say no because util is too high credit scores too low and too many new accs. Would this really bar me from ever opening a chase acc again? I didn't burn them on the balance, paid it off over the course of a year (4800$) and autopsy was on for minimum payment every month before I did a full payoff at the end.

Something else to note: whenever I tried to make a payment over the phone for the cc they wouldn't let me stating "due to fraud issues you have to go to a branch or mail payment". Can't seem to get any straight answer out of them as to what's going on and why I'm blacklisted even after 2 hours on the phone and being transfered to every department they had other than the CEOs personal cell phone.

My chase credit journey is still active and I get emails about it though my login is suspended so I can't see any of them. When I try to login I get the message attached and if I call I get various responses from: let's reset your password, to let me transfer you to internet support, to your account is closed so you can no longer access online banking, to I've reset your password try logging in now!
Any advice or input on what could possibly going on or if anyone went through this is appreciated... chase has been extremely disorganized and unable to tell me what the situation is on multiple phone calls and letters.

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.

Re: Chase blacklist fix

FinStar — Wed, 08 Sep 2021 15:47:20 GMT

@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.

You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.

Re: Chase blacklist fix?

FinStar — Wed, 08 Sep 2021 15:53:44 GMT

@micvite wrote:
Is there any recourse I have to get things fixed with Chase other than wait it out? Apparently I'm blacklisted (talked to someone in branch when I wanted to open a business acc with them). My file says "no new accounts". I thought they just closed my CC due to my util skyrocketing and my scores dropping but this leads me to think there may have been or there is some underlying issue.

Full story went something like this: opened credit card, maxed it out on balance transfer to my checking account, they closed my card. Got it reconned and everything was fine for a month or so. Opened a checking account with them in hopes to give them a little more security I was going to pay since they were getting my paychecks. 2 days later my checking account is closed. I try opening another one which goes through so I figure it's some sort of glitch. 3 days after that I get a letter saying they've terminated all business with me, both checking and cc are closed. Call in for a recon on cc they say no because util is too high credit scores too low and too many new accs. Would this really bar me from ever opening a chase acc again? I didn't burn them on the balance, paid it off over the course of a year (4800$) and autopsy was on for minimum payment every month before I did a full payoff at the end.

Something else to note: whenever I tried to make a payment over the phone for the cc they wouldn't let me stating "due to fraud issues you have to go to a branch or mail payment". Can't seem to get any straight answer out of them as to what's going on and why I'm blacklisted even after 2 hours on the phone and being transfered to every department they had other than the CEOs personal cell phone.

My chase credit journey is still active and I get emails about it though my login is suspended so I can't see any of them. When I try to login I get the message attached and if I call I get various responses from: let's reset your password, to let me transfer you to internet support, to your account is closed so you can no longer access online banking, to I've reset your password try logging in now!
Any advice or input on what could possibly going on or if anyone went through this is appreciated... chase has been extremely disorganized and unable to tell me what the situation is on multiple phone calls and letters.

@micvite -- sounds like Chase has decided to exit the entire relationship. When this typically happens, it's a decision that is typically final by their PRR department. Unfortunately, Jamie Dimon doesn't release his personal cellphone for these types of situations 😉

Your only recourse is time. You can try reaching the Executive Office, but they're unlikely to have much success as PRR rarely overturns a decision unless it was an error on Chase's end.

Re: Chase blacklist fix

micvite — Wed, 08 Sep 2021 15:58:15 GMT

@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.

So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.

Re: Chase blacklist fix

FinStar — Wed, 08 Sep 2021 16:11:09 GMT

@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.

Don't read much into that. For obvious reasons, which we are not privy to know, Chase performed some due-diligence on your particular internal profile/accounts and decided to close them and exit the relationship altogether. Your specific scenario and that of the above poster are entirely different.

Re: Chase blacklist fix

micvite — Wed, 08 Sep 2021 16:16:25 GMT

@FinStar wrote:
@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.
Don't read much into that. For obvious reasons, which we are not privy to know, Chase performed some due-diligence on your particular internal profile/accounts and decided to close them and exit the relationship altogether. Your specific scenario and that of the above poster are entirely different.

Fair enough lol... I just figured they'd see me more favorable considering I didn't burn them at all lol. I'm highly wondering if it had anything to do with my DL being WI, with my address listed as being NJ and working in NJ at the time (had just moved and didn't get a chance to go to the dmv yet)

Re: Chase blacklist fix

simplynoir — Wed, 08 Sep 2021 16:18:29 GMT

@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.

There aren't many things that would cause a depository account to be closed. If they mentioned suspicious activity I would ask them to see if they disclose what it was that caused it. Could be the nature of the deposits, manufactured spending, and so on

Re: Chase blacklist fix

micvite — Wed, 08 Sep 2021 16:20:21 GMT

@simplynoir wrote:
@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.
There aren't many things that would cause a depository account to be closed. If they mentioned suspicious activity I would ask them to see if they disclose what it was that caused it. Could be the nature of the deposits, manufactured spending, and so on

Didn't have time to make a deposit lol... like I said I got nowhere after many many phone calls.

Re: Chase blacklist fix

FinStar — Wed, 08 Sep 2021 16:34:33 GMT

@micvite wrote:
@FinStar wrote:
@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.
Don't read much into that. For obvious reasons, which we are not privy to know, Chase performed some due-diligence on your particular internal profile/accounts and decided to close them and exit the relationship altogether. Your specific scenario and that of the above poster are entirely different.
Fair enough lol... I just figured they'd see me more favorable considering I didn't burn them at all lol. I'm highly wondering if it had anything to do with my DL being WI, with my address listed as being NJ and working in NJ at the time (had just moved and didn't get a chance to go to the dmv yet)

It's unlikely you'll ever know since financial institutions typically don't release (nor are they legally required or obligated) to provide the exact details as to why a specific relationship was terminated. This is why you'll get different answers when you contact them because in a variety of cases front line agents aren't going to see (nor will they have access) as to why such adverse action(s) took place.

What I would do, take your $$$ and start a new relationship elsewhere and use that situation as a 'lessons learned' so the same situation doesn't occur with another bank.

Re: Chase blacklist fix

micvite — Wed, 08 Sep 2021 16:35:54 GMT

@FinStar wrote:
@micvite wrote:
@FinStar wrote:
@micvite wrote:
@FinStar wrote:
@SUPERSQUID wrote:

I read this post and wonder how i still have a checking account with chase when i burned them for over 20k cc debt bk7 in 2019.
You can still have a depository relationship with some banks, including Chase, even if you burned them. Obtaining a CC is another thing, you're more than likely on their blacklist for a long time, unfortunately.
So by that logic, why can't I have a depository relationship? The letter I got for the checking account specifically mentioned suspicious activity which is why I tried to open that second one online before they shut me out completely.
Don't read much into that. For obvious reasons, which we are not privy to know, Chase performed some due-diligence on your particular internal profile/accounts and decided to close them and exit the relationship altogether. Your specific scenario and that of the above poster are entirely different.
Fair enough lol... I just figured they'd see me more favorable considering I didn't burn them at all lol. I'm highly wondering if it had anything to do with my DL being WI, with my address listed as being NJ and working in NJ at the time (had just moved and didn't get a chance to go to the dmv yet)
It's unlikely you'll ever know since financial institutions typically don't release (nor are they legally required or obligated) to provide the exact details as to why a specific relationship was terminated. This is why you'll get different answers when you contact them because in a variety of cases front line agents aren't going to see (nor will they have access) as to why such adverse action(s) took place.

What I would do, take your $$$ and start a new relationship elsewhere and use that situation as a 'lessons learned' so the same situation doesn't occur with another bank.

Already have, just wanted to see if I had any options to recover with chase for their credit cards. Though I'm starting to think WF doesn't appreciate me enough. I put 30-50k of deposits in and maintain 20-30k avg daily balance and when I ask for a CLI I got denied for "not enough deposits to WF checking acc and low daily balance" one of the same reasons DW got denied when she applied for the propel as well (she's listed on my account as a joint owner). Whatever I just need somewhere I can pay my credit card bills from 🤣

Re: Chase blacklist fix

barca — Wed, 08 Sep 2021 16:30:43 GMT

@micvite

nothing personal: it is just the fraud algorithm doing its job

You opened a new CC and balance transfer almost everything to another checking account. This in my opinion is what triggers them to look into you more closely.

plus your two statements below :

1. Call in for a recon on cc they say no because util is too high credit scores too low and too many new accs

2. with my DL being WI, with my address listed as being NJ and working in NJ at the time

if you combine all these issues (balance transfer all available credit of new CC to a checking account, high utilization, low scores, too many new accounts, inconsistent address) - the algorithm will definitely flag.

Re: Chase blacklist fix?

Anonymous — Wed, 08 Sep 2021 17:42:38 GMT

What is PRR department?

Re: Chase blacklist fix?

simplynoir — Wed, 08 Sep 2021 17:52:28 GMT

Portfolio Risk Review

Basically where based on information gathered/known whether it's worth retaining a customer or cut their losses

Re: Chase blacklist fix?

jmw1 — Wed, 08 Sep 2021 18:39:26 GMT

@micvite

You are toast. Chase is risk averse and conservative. They will cut you like a hot potato if your overall risk profile has too many negative attributes as determined by their algorithms. You don't have to burn them for them to burn you. It would not surprise me if every customer has a risk score. Before I burned Chase, I got nasty letters from them for the most stupidest things such as a repeated pattern of refunds to my Chase credit card due to cancelled airline bookings while not using the card much. I've heard of dumb stuff triggering other banks to close you out such as Schwab closing you out for using the checking exclusively to deposit rebate checks. If you behave properly like direct deposit from an employer or retirement for inbound money and paying non-credit card legit bills for outbound money, you will be fine. You deviate from that at your own risk with large institutions that use algorithms to trim risk.

Re: Chase blacklist fix

NRB525 — Thu, 09 Sep 2021 21:44:31 GMT

@barca wrote:
@micvite
nothing personal: it is just the fraud algorithm doing its job

You opened a new CC and balance transfer almost everything to another checking account. This in my opinion is what triggers them to look into you more closely.

plus your two statements below :
1. Call in for a recon on cc they say no because util is too high credit scores too low and too many new accs
2. with my DL being WI, with my address listed as being NJ and working in NJ at the time

if you combine all these issues (balance transfer all available credit of new CC to a checking account, high utilization, low scores, too many new accounts, inconsistent address) - the algorithm will definitely flag.

This.

OP, from this thread and some earlier comments, if you step behind the Chase wall and hear the banging on their door from outside, it's honestly quite frightening. Someone, perhaps an ID thief, is calling regularly, trying every angle to get various accounts opened through online and in branch channels, has location movement across the country, uses large amounts of a credit line immediately, and processes large funds ( we can see that in the credit report balances ) all the time. Risk alarms are going off, and all they really have is snail mail paper in generic, non-confrontational language to send out asking you to stop.

It's time to give up on Chase.

Re: Chase blacklist fix

MitchDeerfield — Fri, 10 Sep 2021 12:24:57 GMT

What is weird is that Chase allowed you to do a BT directly to your checking account on a newly opened credit card. I have never heard of that before.

First they allow you to do it and then go ballistic after you do? Was there anything hidden or irregular about the transaction?

Re: Chase blacklist fix

micvite — Sat, 11 Sep 2021 09:15:31 GMT

@MitchDeerfield wrote:
What is weird is that Chase allowed you to do a BT directly to your checking account on a newly opened credit card. I have never heard of that before.

First they allow you to do it and then go ballistic after you do? Was there anything hidden or irregular about the transaction?

I may have confused it with my citi card that I did the same thing with, but regardless did a BT and they shut my acc down a few days after the BT. (I applied for the BT while opening the card.)