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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 1687041 times)

Offline Ergel

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #240 on: February 08, 2012, 02:14:55 PM »
WSJ good place to try --- publicity is the way to go Someone needs to call / write  give them the facts and post stories on web sites

Problem is most people who have been shutdown have opened cards just for the points and then closed them. You will have a hard time finding sympathy for those people. Why should chase have to lose money on people (although I love that they do)
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Offline AsherO

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #241 on: February 08, 2012, 02:18:58 PM »
Problem is most people who have been shutdown have opened cards just for the points and then closed them. You will have a hard time finding sympathy for those people. Why should chase have to lose money on people (although I love that they do)

1. The bad publicity would be out there regardless, Chase would (ostensibly) stop the practice if the bad publicity bothered them enough and they thought it would help.
2. If Chase feels that these people are taking advantage of them by opening all these apps, they shouldn't have approved them in the first place.
3. It's unreasonable to just close accounts unilaterally without as much as a phone call. chase typically doesn't give an explanation, and there's no department at Chase set up to receive petitions from people who want Chase to reconsider their decision.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #242 on: February 08, 2012, 02:20:30 PM »
3. It's unreasonable to just close accounts unilaterally without as much as a phone call. chase typically doesn't give an explanation, and there's no department at Chase set up to receive petitions from people who want Chase to reconsider their decision.
I think this is what a newspaper would be most interested in.
Especially in these rah-rah banks are evil times.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #243 on: February 08, 2012, 02:47:01 PM »
There is a very large and powerful senior citizen group getting involved already putting pressure on Chase. I won’t be surprised to see a class action suit either.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #244 on: February 08, 2012, 02:48:00 PM »
There is a very large and powerful senior citizen group getting involved already putting pressure on Chase. I won’t be surprised to see a class action suit either.
linky?

Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #245 on: February 08, 2012, 02:58:04 PM »
Better to try to get it in the WSJ or at least a big consumer advocate column to actually get something changed.

Consumerist.com is a great place for this kind of stuff.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #246 on: February 08, 2012, 02:58:45 PM »
There is a very large and powerful senior citizen group getting involved already putting pressure on Chase. I won’t be surprised to see a class action suit either.
But you won't name them. I guess you really want us to ask first, so I'll start:
Dear HelpMe, I implore, please don't hide who this group is. Please please tell us who they are... ;)

EDIT: Did I actually forget that it must be the one and only AARP? My grandpa would be proud of me if he knew what I just figured out.

Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #247 on: February 08, 2012, 02:59:01 PM »
Consumerist.com is a great place for this kind of stuff.
And did you send them your story?
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #248 on: February 08, 2012, 03:02:20 PM »
Consumerist.com is a great place for this kind of stuff.
What percentage of Consumerist complaints end in results for the consumer?

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #249 on: February 08, 2012, 03:07:24 PM »
But you won't name them. I guess you really want us to ask first, so I'll start:
Dear HelpMe, I implore, please don't hide who this group is. Please please tell us who they are... ;)

EDIT: Did I actually forget that it must be the one and only AARP? My grandpa would be proud of me if he knew what I just figured out.
There is a master thread now to discuss a certain card. All discussion brought up about that card is to be moved there. How else would you have put it? Damned if you do, damned if you don’t.
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Offline myb821

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #250 on: February 08, 2012, 03:08:51 PM »
There is a master thread now to discuss a certain card. All discussion brought up about that card is to be moved there. How else would you have put it? Damned if you do, damned if you don’t.
but we aren't discussing the card you can mention the organization lol

Offline HelpMe

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #251 on: February 08, 2012, 03:22:34 PM »
but we aren't discussing the card you can mention the organization lol
Many have filed complaints with AARP about their card being closed. Results are being seen but not resulting so far with the card being reopened. Many believe the FWF thread is being monitored by Chase. I expect more info to come out as time passes.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #252 on: February 08, 2012, 03:24:51 PM »
And did you send them your story?

You mean my brother's story? No.

I guess I could suggest my brother do it, but I don't see him following up on something like that.
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Offline Dan

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #253 on: February 08, 2012, 03:32:58 PM »
You mean my brother's story? No.

I guess I could suggest my brother do it, but I don't see him following up on something like that.
Why not do it for him then?
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Offline AJK

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #254 on: February 08, 2012, 03:35:06 PM »
Why not do it for him then?

Now that it's been it's been brought up, maybe I will.

I remembered reading something along these lines a few months ago, and I just found it:

http://consumerist.com/2011/09/chase-freezes-couples-account-screws-up-their-life-with-no-explanation.html

Similar, but not identical - but in the end, the accounts were reopened.
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #255 on: February 08, 2012, 03:44:08 PM »

I remembered reading something along these lines a few months ago, and I just found it:

http://consumerist.com/2011/09/chase-freezes-couples-account-screws-up-their-life-with-no-explanation.html

Similar, but not identical - but in the end, the accounts were reopened.

I saw that too a while back. The modus operandi of Chase is quite eveident there. I do think that the reason the accounts reopened had more to do with the couple getting their story to King 5 TV, much less consumerist, if at all.
Hence my original question:
What percentage of Consumerist complaints end in results for the consumer?
To really get Chase, the story would have to hit the news outlets, I think.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #256 on: February 08, 2012, 04:12:47 PM »
To really get Chase, the story would have to hit the news outlets, I think.
How about grammas in their wheelchairs getting their cards closed? That would make a good headline!  :)
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #257 on: February 08, 2012, 04:14:30 PM »
How about grammas in their wheelchairs getting their cards closed? That would make a good headline!  :)
Agreed.

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Re: Chase A/A Master Thread (Now With Poll)
« Reply #258 on: February 22, 2012, 11:50:58 AM »
It seems Chase is still at it.

As an aside, the name of this thread should probably be changed to help its searchability. Something along the lines of "Chase Adverse Action" or "Chase Account Closures" etc
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Re: Chase A/A Master Thread (Now With Poll)
« Reply #259 on: February 22, 2012, 11:53:50 AM »
It seems Chase is still at it.

As an aside, the name of this thread should probably be changed to help its searchability. Something along the lines of "Chase Adverse Action" or "Chase Account Closures" etc
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