topic Re: Locked out from Chase? in General Credit Topics

Locked out from Chase?

SKBirdmind — Sun, 12 Oct 2025 02:41:35 GMT

When last I made a purchase with my United Club Visa, it came back as declined. Naturally, I called customer service in which the automated system simply informed me the account was closed. Huh??? Despite not being able to speak to a real person until the next morning, they also didn't share any meaningful information as to what happened to it.

3 DAYS LATER - I get flooded with emails and texts instructing me to call Chase due to restrictions placed on my checking account. Only this call went offshore to someone who simply read off a script to inform me of an account closure. They have no right to say that, especially since no explanation was offered either. A local branch manager who I've worked with previously wasn't much more help - forwarding me to some other department who again, read from scripts and was tremendously evasive.

What gives? People have no REASON, or RIGHT to just try and ruin someone financially like that! I won't stand for it, and welcome any suggestions on who can help restore the wake of destruction in my life as a result of this hurtful treatment.

Re: Locked out from Chase?

LIGHTNIN — Sun, 12 Oct 2025 03:38:17 GMT

Have you not used your visa united club, in awhile?

What kind of restrictions on your checking account?

Sorry for all the questions, just needed more information. 😉

Re: Locked out from Chase?

SKBirdmind — Sun, 12 Oct 2025 04:21:33 GMT

Happy to clarify - no, I use my Visa all the time if not daily. Checking account restrictions of being force-closed, checks not honored, no access to my online banking profile, account history, the whole 9.

Re: Locked out from Chase?

LIGHTNIN — Sun, 12 Oct 2025 05:16:31 GMT

Heres a few things I've found, to why chase would've close an account for...

suspicious activity or suspected fraud.

Chase may review your CR's looking for negative financial behaviors with other banks.

Too many credit lines opened in a short amount of time.

Over the limit fees.

Significant drop in CS's.

You said you called chase and received no explanation to why they were closed.

I would suggest to call chase again and ask to speak with a manager or supervisor.

Hope you find out what happened. If you do, please come back here and let us know. That would help others, in case they find their selves in a similar situation. 😉

Re: Locked out from Chase?

gingerflower — Sun, 12 Oct 2025 19:45:58 GMT

@LIGHTNIN Any updates on why chase had closed your accounts?

Re: Locked out from Chase?

SKBirdmind — Sun, 12 Oct 2025 20:47:22 GMT

No meaningful updates from me... Wondering if others here have been down a similar path, and know how to fix it. To my knowledge, none of their customer service numbers (even the dedicated Club line) would route to a supervisor who has any real authority - or would say something different than an ordinary agent.

United's customer service states they just follow whatever information Chase provides, factual or not.

The list of reasons LIGHTNIN posted could be potentially legitimate, except I wouldn't qualify for any of them. Even if I did, people at Chase have no reason to make judgements like that? I haven't been able to open an account for over 2 years.

Re: Locked out from Chase?

TrapLine — Sun, 12 Oct 2025 20:52:25 GMT

No letter with any type of explanation? What about the return of any money you have with them?

Re: Locked out from Chase?

AndySoCal — Mon, 13 Oct 2025 00:07:34 GMT

@SKBirdmind I would investigate getting a second chance checking accounts. Also, see if you can get a copy of your Chex Systems Report and or Early Warning Systems Report.

Re: Locked out from Chase?

CreditCuriosity — Mon, 13 Oct 2025 15:55:58 GMT

Stories on this forum of very similar things the happened to people in the past. You will eventually get your money out, but the relationship is likely over and the card likely won't be reinstated as they cancelled the card along with the banking relationship. Might be able to use the search function and see a few similar stories. Sorry this has happened but Chase I haven't seen overturn these type of situations whatever might of caused it and you will never get the full reason likely either.

Re: Locked out from Chase?

SKBirdmind — Sun, 12 Oct 2025 21:51:22 GMT

@TrapLine wrote:
No letter with any type of explanation? What about the return of any money you have with them?

No clue...

@AndySoCal wrote:
I would instigate second chance checking accounts. Also, see if you can get a copy of your Chex Systems Report and or Early Warning Systems Report.

Aren't those for previous customers who have done things like committed fraud, overdrafted accounts, that sort of thing? There is a reason I don't have any sort of limited-feature accounts open currently...

@CreditCuriosity wrote:
Stories on this forum of very similar things the happened ot people in the past. You will eventually get your money out but the relationship is likely over and the card likely won't be reinstated as they cancelled the card along with the banking relationship.

They have no right to say that... I would however be interested in hearing from those directly who got back in, and how - whether that was being wrongfully accused, defrauded, defamed, or what have you. As well as why Chase thought people deserve such horrific treatment. Right now, I can't do pretty much anything on the planet until they reinstate me and fix the resulting wake of destruction left in my life.

I got a new account with them after filing bankruptcy, but that was just an old checking account (closed and charged off with a balance, no credit cards). Years after filing, I applied for checking online and was activated in under a minute. I wish applying for credit cards was that easy...

Re: Locked out from Chase?

LIGHTNIN — Mon, 13 Oct 2025 00:00:19 GMT

@gingerflower wrote:
@LIGHTNIN Any updates on why chase had closed your accounts?

The information I posted, came from chase website.I don't have any closed chase accounts . Sorry if I gave you that impression.

Re: Locked out from Chase?

crystal626 — Mon, 13 Oct 2025 04:04:50 GMT

@SKBirdmind wrote:
They have no right to say that...

You've said this multiple times in this thread and you are incorrect. Banks can choose to cease a business relationship for any reason whatsoever. It's time to find out how to get your money and move on.

Re: Locked out from Chase?

SKBirdmind — Mon, 13 Oct 2025 05:51:23 GMT

@crystal626 wrote:
You've said this multiple times in this thread and you are incorrect. Banks can choose to cease a business relationship for any reason whatsoever. It's time to find out how to get your money and move on.

Because they have no REASON or RIGHT to BASH a person! It doesn't matter what they think - this goes far, FAR beyond anything even remotely close to a TOS agreement and "how to get money." The level of wreckage their recent actions has left in my life must be corrected, and that's on them to make it right. There is no conceivable way in the entire universe I can simply "move on" after a lifetime of hard work.

Re: Locked out from Chase?

northway — Mon, 13 Oct 2025 07:18:46 GMT

They can and DO do this all the time and its entirely legal and within their rights, and they don't legally have to tell you why. The reinstatement success ratio is not in your favor. Take the L and move on instead of stewing on it because you'll get absolutely nowhere legally despite how you feel.

I had Chase drop me about 12 years ago and I've lived my life perfectly fine without them. It's a good lesson not to put all of your eggs in one basket either.

Re: Locked out from Chase?

AndySoCal — Tue, 14 Oct 2025 00:26:36 GMT

@SKBirdmind @Earlier you stated words to the you have not been able to open a new account in over 2 years. Is that credit card or banking or both? I am very limited in what I can say because I work for a large financial instition not Chase. Banks do not have to disclose the reason for closure of the account. I would look get a copy of your Early Warning Systems and Chex Systems reports. I suggested second chance checking accounts because you may problems in opening up another checking at some financial institutions.

Edited to add

Also, you may want to review page 24 of the deposit account agreement dated 09/21/25

Re: Locked out from Chase?

FicoMike0 — Mon, 13 Oct 2025 15:37:08 GMT

I would definitely get the ews report. There must be some reason for this. We'd all like to know what's going on, it's concerning.

We may all agree the reason is unfair, but we'd like to know.

Re: Locked out from Chase?

Pppoolboy — Tue, 14 Oct 2025 20:47:25 GMT

I'm imagining OP as this:

They have NO RIGHT!!!!!!!!!111

Anyway, obviously they do have a "right" that's laid out in contract and law. That is to say, no laws prohibit a bank from closing all your accounts for any reason or no reason at all (as long as they're not discriminating against any protected classes). If you disagree with this, probably best to write a strongly worded letter to your state and federal representatives.

In the meantime, Chase is known for silly shenanigans such as this, which is why I never bank with them any more. I advise OP to find a better bank (or, better yet, multiple banks and diversify assets). I will never bank with just one bank ever again.

Also, file a CFPB complaint. I've been locked out of banks and always file a complaint. Nothing really happens but at least its in the record.

Re: Locked out from Chase?

northway — Thu, 16 Oct 2025 07:57:40 GMT

9 times out of 10, something tripped a BSA/AML flag, and the bank decided to end the relationship as to not take on risk.

A bank doesn't end a relationship entirely over a negative Chex or EWS report. They'd just close your checking account.

Re: Locked out from Chase?

Zoostation1 — Fri, 17 Oct 2025 00:44:55 GMT

@northway I'm not familiar with BSA and AML. Could you elaborate a bit?

Re: Locked out from Chase?

AndySoCal — Sat, 18 Oct 2025 04:24:45 GMT

@Zoostation1 BSA stands for the Bank Secrecy Act the link below gives a generic description

https://www.investopedia.com/terms/b/bank_secrecy_act.asp

AML stands for Anti Money Laundering The link below gives a generic description

https://www.investopedia.com/terms/a/aml.asp

this what happens when a bank does not do their due diligence in the AML and other regulations.

https://thehill.com/business/4927394-td-bank-fines-money-laundering/