UPDATE Chase Account Review I SURVIVED

[texasman07]

Geez.......
Background:
780-790 FICO score across all 3
I have less than 1% UTL, no baddies, tons of INQ on EXP and EQ.
about 190,000$ of credit
Anual Income Over 100K
 
The following chase cards are in my wallet, all have a 0 balance:
United Club 20K
Freedom 2.5K
Southwest Premier 7k
Marriott 11k
Hyatt 9K
AAPR 500.00$
CSP 5k
Amazon 3500
and RITZ 9k
 
I applied for the Ritz card last month and this is where it started.  I got the card mid October and tried using it at the airport, I got declined.  I thought it was because it was my first purchase and it was at an airport.  Little did I know earlier that morning, my Amazon purchase was declined on my Amazon card.  I called in and Ritz said it was due to the purchase at the airport and they cleared the card for use.  No problems, until the next week on my trip I used my United Club, same issue, airport, blah blah blah, cleard the card and it was fine.  Following week, used my freedom, this time I was told that my name didnt match my SSN and they flagged it for fraud. Last year I got married and changed both my middle and last name, I sent them all the paper work and the CSR said no problem and cleared the card for use.  Now last week, I used my AARP card, DECLINED.  CSR stated it was flagged for fraud, and cleared the card.   Today, I take out my Southwest card at Safeway, Declined!  Something different this time when I called, my account is "Under Review" since the 24th of October and will take 10 days. What??? I called back and got the same answer however I asked the CSR to check my cards and tell me which ones-The ones that are okay are Freedom, Ritz, United and AARP, all the others are blocked until the review is complete. I dont understand how this is happening? 2 things have changed, and actually for the better, I paid off ALL but 1,000 of credit card debt which brought my score up 80 points. Paid off all student loan debt as well.....2). I added about 8-10 INQ as I was shopping around for new cards because I closed all my SYNCH BANK cards except for Paypal MC.  I have a feeling this started with my Ritz approval but it is just a guess, my accounts are still active and I am not locked out of the online portal and I called the automated number on my active cards and it gives me the balance, limit, etc, on the inactive it wants to transfer me.  At the end of the day, i dont need the cards as I have 4 Citi cards with great limits and 5 Amex's, along with Discover and BOA.  The only approval after Ritz I got last week, before the 24th and it was for Macy's Amex.  OMG I dont know if this is bad or good or what?

[simplynoir]

Wondering if the name change had more to do with it than anything else and Chase dropped the ball on that one. Because other than that I don't see anything wrong with your situation unless I'm missing something.

[RadioRob]

Remember...  there is more going on than what you typically are involved with personally.  With the recent Equifax data breach, banks are struggling with the reality that comes from all of that personal information about customers being out in the wild now.  It's a risk group's worst nightmare realized.  

At the same time, they're dealing with an increase in fraud attempts along with different vectors of attacks being used by fraudsters.  

This is causing organizations sometimes to be a bit gunshy on transactions, especially when they don't have an established history or pattern to match it against or in the case where you might deviate from what you do normally.  

[texasman07]

One CSR did state that my pattern of spending was different but she cleared it. Now my remaining accounts are unable to be viewed by the CSR is fraud. She stated she would try another “system” and that one could not be accessed either

[Anonymous]

Very annoying!!! and it didn't happen to me. I hope you get it resolved soon. I'm going to guess is between your name change and data breach. I don't think the "pattern" has anything to do with it...I mean, who travels to the same exact airport, same restaurant, store etc? This remind me of my bad experience with my AMEX Platinum in Spain, declines are just embarrassing, period!

[texasman07]

Thanks I travel every week for work and use my personal cards just for food, for me as we get per diem so I don’t think it’s that but strange that half my accounts work

[Loquat]

Interesting.  I posted some time ago about a co-worker having this exact same issue with his Chase cards...and it all started about a week after he applied for the Ritz (approved for $10k).  At first they were telling him that it was fraud system catching his charges and initially they were clearing them when he called in.  About a week or so later they locked his Ritz, Southwest, IHG, and Amazon for "review".  Two weeks pass and the end result was they closed all of his account because they said he had too much credit, too many recently open accounts, and to many inquiries.  He tried to get them reinstated with no luck.  His utilization wasn't very high and he wasn't carrying much of a balance either.  

If you look through the forum, back around April/May of this year is when a few threads of such started popping up.  Hopefully all is well when they finish their "review" of your accounts.  Chase can be interesting sometimes...good luck to you!

[AverageJoesCredit]

Sorry to hear this but with fraud rampant its getting harder to tell whats fraud whats not. Thats alot of cards to have with 1 lender , just hope they can resolve this, thats quite a few cards to lose if something goes wrong.

[texasman07]

Honestly I would take a hit with all the CL available with Chase but reality I have more than enough . With Citi alone I have 30k, Discover is at 7k , Amex is 10k with also a NPSL Card , and others . Plus I have no debt, just got a new jeep and paid cash. At the end of the day all is well but more so I am annoyed than anything .

[texasman07]

The CSR did say today about the Equ data breach and they have been seeing more of these .