Topic Wiki

Q: Hi, I searched all over the internet for an active link of the Chase American Airlines credit card and couldn't find one. How did you guys manage to get this card?
A: Ha ha... There's (currently) no co-branded Chase AA credit card, this thread is discussing 'Chase Adverse Action'. As a general rule, AA refers to 'American Airlines', while A/A refers to 'Adverse Action'.

Q: What does Chase A/A look like? Can I do something to prevent that from happening? And once I'm hit, is there anything I can do to get back in the game?
A: To better address all the questions and concerns, we'll divide it in three sections:

1) What Are The Triggers?
2) What Happens?
3) How To Get Back

What Are The Triggers?

Basically, there are two possibilities that might trigger a Chase A/A:
Credit Related Risk
-Opening too many new cards in a short period of time, (even from other banks, and even being added as an additional user is considered as opening a new account, even a spike in your total CL even from being  additional user has been a trigger for many people - Dec 2013);
-A sudden excessive use of your cards;
-Maxing out your available credit limit.
-Buying large amounts of Chase GC (most people didn't have problems but lately some people are getting shut down for this).
Of course, there is no general rule with these things, it mostly varies by your particular credit file and worthiness.

Perk Abuse
-Transferring Ultimate Rewards points to someone else's account other than your spouse or domestic partner;
 both, the sender and the recipient, are at risk of A/A.
-Abuse of the 5% cashback bonus on the AARP card.

What Happens?

Q: What does a Chase A/A look like? How do I know whether I was shut down or not?
A: If you can't access your online account on chase.com, this is not A/A.
    When you encounter such a thing it could be because 1) the website is undergoing maintenance - wait till the site is back up; 2) a sever error - try using
    different browser
; 3) you didn't log in to your account for a while - call the number on the back of your card; 4) a security concern (resulted by a large QuickPay
    transfer or similar - call the number on the back of your card.
    When you get hit by A/A, you'll see a message above your account "Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to
    make monthly payments by the due date."; your card will no longer work; and within 7 days you'll receive a letter in the mail notifying you of the closure and the reason to it.
Q: Do they close down all my cards or just one?
A: If your shutdown was a result of 'credit related risk', they usually close all your credit card accounts, while with 'perk abusers' they used to shut down all of your cards (April '12), but lately, it is limited to the accounts involved in the abuse.
Q: Do they shut down other accounts such as checking, savings or investment accounts?
A: Lately people are reporting getting their checking account closed when getting A/A'd.
Q: Once my card is closed, can I still access my points?
A: Again there's a difference whats the reason your account was closed. Ironically, if its because of 'credit risk', your points will be forfeited, (and that used to be the case with 'perk abusers' during the April '12 A/A wave), but if its because of 'perk abuse', you'll get a certain amount of time (from 2 to 90 days - as specified on your letter) to transfer or redeem your points.

How To Get Back

Q: Once one was shut down, is there any point of calling  customer service or any other department and try to convince them to reopen the closed accounts?
A: If your account was closed due to 'perk abuse' there is -almost- no way to convince them to reopen it (unless there was an error, and you really didn't commit any violations of the
     terms and conditions).
     But if your account was closed for credit related reasons, you might have luck by calling the executive dept. 1888-622-7547 and trying to explain them why it might've looked like your at risk of default, but in fact, there is nothing to worry about. But of course YMMV with this.
Q: Can I apply for a new credit card after my accounts were closed?
A: Yes. There are a multiple reports of people being approved for a new Chase card after waiting a few months and applying again. But some were not that lucky, and some had their new accounts closed a few days after approval.
« Last edited by Iz on March 22, 2017, 11:26:51 PM »

Poll

Have You Been A/A'ed?

Yes, I've Been Shut Down And Received 1 Cent Per Point :(
10 (1.6%)
Yes, I've Been Shut Down And Received Nothing For My Points >:(
62 (10%)
No (Bli Ayin Horah)
455 (73.4%)
I Was Shut Down But Was Able To Get Reopened After Appeal
24 (3.9%)
Yes, I've Been Shut Down But Was Able To Transfer Points To Miles
69 (11.1%)

Total Members Voted: 618

Author Topic: Chase A/A Master Thread (Now With Poll)  (Read 1687083 times)

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6069
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6480 on: January 24, 2018, 03:12:13 PM »
Got shut down abt 2 years ago. excessive spending and 3rd party payments. Recently applied for the freedom and got approved, any dp's if I'm automatically going to get shut down again? am I good to go?
3rd party payments meaning linked 3rd party bank account? Or checks from 3rd party to chase?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Pesach

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2016
  • Posts: 911
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ny
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6481 on: January 26, 2018, 01:05:55 PM »
"after a recent review of our accounts we have decided to end our relationship with you" great breakup line. thats what i received from chase  a week after my  cc  was declined by a merchant. after calling chase they told me all my accounts were closed. after reading this wiki and contacting chase exec office they told me they were going to investigate, and now i got a letter in the mail saying that even my checking account is going to be closed? I'm nervous they may close my dads also because were linked he always transfers me money and he is going to be very ticked. i opened this checking account  10 years ago when i was under 18 and it converted to a regular account afterwards. I think it may have to do with a dispute i made recently on a chase hyatt after one of the buying groups i sent items to told me that we received 6 of 7 of your packages in our warehouse but not the 7th. send many walmart ,eBay, and amazon packages to his de address for 6 months already and never had any issues until now,he would not pay me for it and when i checked the tracking it showed it was signed for by his guy. he told me "still my worker signs for packages in pallets and fedex marks as he received but still could be on his truck". fedex and the shipper couldn't help me so I contacted the chase and disputed the charge explaining them clearly that it wasn't received even though  it said signed and if  they can please pressure the shipper to put more effort to trace the package. A few days later chase shuts me down and closes all my accounts except for ink plus. the rep on the 1800 number on the letter told me that it was initiated after chase bank reviewed my checking account and proceeded to close everything from there.made it sound like my checking account was the issue,Which if anything was definitely not the case(unless my constant payment to other cc from my checking to citibank and barclay).  i have played around getting the annual fee removed on certain chase cards and have made  3rd party payments on checks made out directly to chase. but i still feel that that the dispute was the  main factor. I mainly engage in 3rd party payments on my ink plus from  staples spending and they didn't shut that down(at least not yet.) If anyone can help me with advice and thank you for reading it feels good to at least vent. I am also concerned that my straightforward dad who does not have anything to do with points or any other shtik may get closed down as well.
« Last Edit: January 26, 2018, 03:31:24 PM by Pesach »

Offline Buruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 1984
  • Total likes: 39
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6482 on: January 27, 2018, 01:04:09 PM »
Y'all think it's safe to put a lot of spend on CSR pretty much exclusively in the travel category?

Offline yitrap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2014
  • Posts: 3288
  • Total likes: 55
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6483 on: January 27, 2018, 02:54:41 PM »
"after a recent review of our accounts we have decided to end our relationship with you" great breakup line. thats what i received from chase  a week after my  cc  was declined by a merchant. after calling chase they told me all my accounts were closed. after reading this wiki and contacting chase exec office they told me they were going to investigate, and now i got a letter in the mail saying that even my checking account is going to be closed? I'm nervous they may close my dads also because were linked he always transfers me money and he is going to be very ticked. i opened this checking account  10 years ago when i was under 18 and it converted to a regular account afterwards. I think it may have to do with a dispute i made recently on a chase hyatt after one of the buying groups i sent items to told me that we received 6 of 7 of your packages in our warehouse but not the 7th. send many walmart ,eBay, and amazon packages to his de address for 6 months already and never had any issues until now,he would not pay me for it and when i checked the tracking it showed it was signed for by his guy. he told me "still my worker signs for packages in pallets and fedex marks as he received but still could be on his truck". fedex and the shipper couldn't help me so I contacted the chase and disputed the charge explaining them clearly that it wasn't received even though  it said signed and if  they can please pressure the shipper to put more effort to trace the package. A few days later chase shuts me down and closes all my accounts except for ink plus. the rep on the 1800 number on the letter told me that it was initiated after chase bank reviewed my checking account and proceeded to close everything from there.made it sound like my checking account was the issue,Which if anything was definitely not the case(unless my constant payment to other cc from my checking to citibank and barclay).  i have played around getting the annual fee removed on certain chase cards and have made  3rd party payments on checks made out directly to chase. but i still feel that that the dispute was the  main factor. I mainly engage in 3rd party payments on my ink plus from  staples spending and they didn't shut that down(at least not yet.) If anyone can help me with advice and thank you for reading it feels good to at least vent. I am also concerned that my straightforward dad who does not have anything to do with points or any other shtik may get closed down as well.
Highly doubtful that it was the dispute. Read through the past few months of posts. A lot of people getting shut down.

Offline yitrap

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2014
  • Posts: 3288
  • Total likes: 55
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6484 on: January 27, 2018, 02:55:11 PM »
Y'all think it's safe to put a lot of spend on CSR pretty much exclusively in the travel category?
Your concern should be the spend amount not the abuse of the point bonus.

Offline yn27

  • DansDeals Copper Elite
  • *
  • Join Date: Apr 2016
  • Posts: 24
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6485 on: January 30, 2018, 03:10:33 PM »
3rd party payments meaning linked 3rd party bank account? Or checks from 3rd party to chase?
3rd party linked bank account.

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6069
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6486 on: January 30, 2018, 03:21:29 PM »
3rd party linked bank account.
OK.
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Pesach

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2016
  • Posts: 911
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ny
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6487 on: January 30, 2018, 03:50:20 PM »
how does chase know if you credit went up or down to shut you down ? they only pull your credit once anyway when you first apply for the card?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6488 on: January 30, 2018, 03:51:20 PM »
how does chase know if you credit went up or down to shut you down ? they only pull your credit once anyway when you first apply for the card?
They do pull sometimes, soft pulls too, and that's not the only trigger
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline SearchGuy

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 6254
  • Total likes: 205
  • DansDeals.com Hat Tips 103
    • View Profile
  • Location: Brooklyn exodus
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6489 on: January 31, 2018, 05:37:08 PM »
Unfortunately this thread is waking up from a deep sleep... A ton of shutdowns in the last weeks.
It appears to affect personal accounts only

Offline Torkay

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Sep 2016
  • Posts: 275
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6490 on: January 31, 2018, 05:50:57 PM »
Is there safety in being cpc?

Offline Pesach

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2016
  • Posts: 911
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ny
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6491 on: January 31, 2018, 07:45:17 PM »
Is there safety in being cpc?
"I figured so, now 10-20k isn't peanuts for this, I had a friend who got and AA for 5k in MOs.(he got one account reopened through the CFPB, YES THE CFPB.)" this is what someone said upthread

Offline Yehuda25

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2013
  • Posts: 6069
  • Total likes: 78
  • DansDeals.com Hat Tips 9
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6492 on: January 31, 2018, 07:48:43 PM »
"I figured so, now 10-20k isn't peanuts for this, I had a friend who got and AA for 5k in MOs.(he got one account reopened through the CFPB, YES THE CFPB.)" this is what someone said upthread
"I figured so, now 10-20k isn't peanuts for this

can you explain that?
“To avoid criticism say nothing, do nothing, be nothing.”


― Aristotle

Offline Pesach

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2016
  • Posts: 911
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ny
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6493 on: January 31, 2018, 07:53:54 PM »
the question was is there benefit in being a chase private client? and im responding by quoting someone who had luck reopening his accounts because of his private client statues. Unless cfpb does not mean chase private client?

Offline Buruch

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 1984
  • Total likes: 39
  • DansDeals.com Hat Tips 3
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6494 on: January 31, 2018, 08:02:53 PM »
the question was is there benefit in being a chase private client? and im responding by quoting someone who had luck reopening his accounts because of his private client statues. Unless cfpb does not mean chase private client?

It does not.

Offline Pesach

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2016
  • Posts: 911
  • Total likes: 41
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Ny
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6495 on: January 31, 2018, 08:26:03 PM »
are money orders really a trigger? and are third party payments really a trigger?

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6496 on: January 31, 2018, 08:49:22 PM »
are money orders really a trigger? and are third party payments really a trigger?
MOs are a huge trigger, AFAIK third party checks aren't bad, unless they are returned
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6497 on: January 31, 2018, 08:50:18 PM »
the question was is there benefit in being a chase private client? and im responding by quoting someone who had luck reopening his accounts because of his private client statues. Unless cfpb does not mean chase private client?
"customer Finance Protection Bureau "
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline davidrotts63

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: May 2017
  • Posts: 7218
  • Total likes: 978
  • DansDeals.com Hat Tips 26
  • Gender: Male
    • View Profile
  • Programs: Hertz Gold, Hyatt Member, BA Blue, Ebay banned, Amazon Prime
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6498 on: January 31, 2018, 08:52:16 PM »
"I figured so, now 10-20k isn't peanuts for this

can you explain that?
I posted that. There are easier ways to quote someone here. I was saying 10k-20k of MOs isn't considered peanuts to trigger an AA.....
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline ChaimMoskowitz

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jun 2014
  • Posts: 6738
  • Total likes: 1097
  • DansDeals.com Hat Tips 1
  • Gender: Female
    • View Profile
Re: Chase A/A Master Thread (Now With Poll)
« Reply #6499 on: February 01, 2018, 09:27:50 AM »
"customer Consumer Finance Protection Bureau "
:)
I just found a new supply of forks!