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Chase Recon #1: 1-888-270-2127 or 1-888-245-0625 (no longer in service) 1-800-527-7419[Mon-Fri 7:00AM-10:00PM Sat 8:00AM-5:00PM Sun 9:00AM-5:00PM ET]
Chase Recon #2: 1-888-609-7805 [Mon-Fri 8:00AM-5:00 PM ET]
Chase Business Recon #: 1-800-453-9719 [Mon-Fri 8:00AM-5:00PM ET]

Chase Fraud # 1: 1-877-470-9042  [Mon-Fri 8:00AM-8:00PM ET]
Chase Fraud # 2: 1-800-278-8830
(If you have a fraud alert on your account, recon will instantly transfer you here for verification, so you might as well call directly)

To fax in verification documents:
#1: 888-643-9624
#2: 888-643-9628
#3: 201-328-3289 (according to a rep from this dept, it's quicker than the other listed numbers)

Chase CS #: 1-800-432-3117

To know whether your application is pending or declined:
Call CS 1-888-338-2586 or 1-800-432-3117 and press # or 1. (If it's asking for your full 16 digits account number, it's 1. If it's asking for only your last 4 digits, it's #)
Press 3, then 1, then key in your SSN.
If you hear:
This application is being reviewed. You will be notified in writing of our decision, in approximately 2 weeks
It's pending.
If you hear:
This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision
It's been declined.

No matter what the status of your app is or what the page said after you hit submit or what Chase emailed you, etc... CALL TODAY! Any "pending" issues can either be addressed once you get your letter in the mail in 2 weeks, or you can JUST CALL TODAY!
And if at first you don't succeed HUCA, HUCA, HUCA etc. If they tell you there's a max of 2 cards per 30 days, HUCA!
PS: If the reason you were declined on a 5/24 card is 5/24, and you are indeed 5/24, YOU WILL NOT GET APPROVED.



Author Topic: Chase Reconsideration  (Read 1646374 times)

Offline chayal101

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Re: Chase Reconsideration
« Reply #12180 on: November 25, 2018, 05:39:50 PM »


Applied for Hyatt & United Exp on the same day. Got a call from Chase the next day to confirm my info and drop my limit on another card...

Based on the recent posts it seems that chase is seriously cracking down and it's getting worse with each day...
Chaya L.

Offline grodnoking

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Re: Chase Reconsideration
« Reply #12181 on: November 25, 2018, 06:18:27 PM »
Applied for Hyatt & United Exp on the same day. Got a call from Chase the next day to confirm my info and drop my limit on another card to get approved for the United. Next day I notice that the Hyatt got approved on it's own.

Now I get a letter before the card even arrived saying account has been closed for too many accounts opened recently and sufficient credit available with Chase.

I have only opened these two accounts this year (in addition to reserve 20 months ago.) I'm going to call recon tomorrow, but this system seems a bit broken. Any advice?
Any other reasons besides to many accounts? I got similar wording as one of the reasons on my first shut down (my second Chase card ever), got another reason and fought with them directly and the  cfpb and they reopened it. (Fought both fronts at once, thou I believe the cfpb complaint was what opened it).
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Offline zagguru

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Re: Chase Reconsideration
« Reply #12182 on: November 25, 2018, 06:26:46 PM »
Applied for Hyatt & United Exp on the same day. Got a call from Chase the next day to confirm my info and drop my limit on another card to get approved for the United. Next day I notice that the Hyatt got approved on it's own.

Now I get a letter before the card even arrived saying account has been closed for too many accounts opened recently and sufficient credit available with Chase.

I have only opened these two accounts this year (in addition to reserve 20 months ago.) I'm going to call recon tomorrow, but this system seems a bit broken. Any advice?

All your chase accounts? Or just the ones you applied for?

Offline brodes18

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Re: Chase Reconsideration
« Reply #12183 on: November 25, 2018, 07:12:23 PM »
All your chase accounts? Or just the ones you applied for?

Just the United one. The Hyatt card (which they never even contacted me about) remained open.

Any other reasons besides to many accounts? I got similar wording as one of the reasons on my first shut down (my second Chase card ever), got another reason and fought with them directly and the  cfpb and they reopened it. (Fought both fronts at once, thou I believe the cfpb complaint was what opened it).

Interesting. I had two lines under the reasons to shut the account:

1) Too many accounts opened recently
2) Sufficient credit available with chase

I'm annoyed that they called me to approve the card and then close it. I'd rather be denied at the outset than deal with this mess. I'll try recon tomorrow, then I'll take up the CFPB option.

Offline zagguru

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Re: Chase Reconsideration
« Reply #12184 on: November 25, 2018, 07:51:16 PM »
Just the United one. The Hyatt card (which they never even contacted me about) remained open.

Interesting. I had two lines under the reasons to shut the account:

1) Too many accounts opened recently
2) Sufficient credit available with chase

I'm annoyed that they called me to approve the card and then close it. I'd rather be denied at the outset than deal with this mess. I'll try recon tomorrow, then I'll take up the CFPB option.

I wish we had more DPs on what "too many accounts recently" is

Offline brodes18

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Re: Chase Reconsideration
« Reply #12185 on: November 26, 2018, 09:09:11 AM »
Applied for Hyatt & United Exp on the same day. Got a call from Chase the next day to confirm my info and drop my limit on another card to get approved for the United. Next day I notice that the Hyatt got approved on it's own.

Now I get a letter before the card even arrived saying account has been closed for too many accounts opened recently and sufficient credit available with Chase.

I have only opened these two accounts this year (in addition to reserve 20 months ago.) I'm going to call recon tomorrow, but this system seems a bit broken. Any advice?

On the line with Chase recon. They closed the new card since I opened two cards on the same day. Trying to find out why opening two cards on the same day is an issue.

ETA: They have added that once the account is closed, it cannot be reopened. I'll be submitting a complaint to the CFPB now.
« Last Edit: November 26, 2018, 09:17:19 AM by brodes18 »

Offline brodes18

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Re: Chase Reconsideration
« Reply #12186 on: November 26, 2018, 10:19:02 AM »
On the line with Chase recon. They closed the new card since I opened two cards on the same day. Trying to find out why opening two cards on the same day is an issue.

ETA: They have added that once the account is closed, it cannot be reopened. I'll be submitting a complaint to the CFPB now.

A bit more info I gathered. When I applied, my app was put into pending. When I got a call from Chase, this was the lending dept. calling to pull credit from other cards in order to open my account. Once my account was opened along with the Hyatt on the same day using a single credit pull, the system flagged me for a special review. Then both of my apps went to a new department (missed the name they call it - starts with a D) for a full review.

When this new daprtment reviewed my whole account, they determined (using unknown logic) that I only warranted one account. They therefore closed the United account and left the Hyatt alone. Requests to reopen the account has been met with Chase saying that is now impossible since this is permanently closed. They have stated I can reapply... But now this card that I never had will count on my credit report and as an additional card in 5/24 land.

I've put a complaint into the CFPB as well as asked for a supervisor of this underground dept to call me back with more info. I'll keep you all posted.

Offline grodnoking

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Re: Chase Reconsideration
« Reply #12187 on: November 26, 2018, 12:37:51 PM »
A bit more info I gathered. When I applied, my app was put into pending. When I got a call from Chase, this was the lending dept. calling to pull credit from other cards in order to open my account. Once my account was opened along with the Hyatt on the same day using a single credit pull, the system flagged me for a special review. Then both of my apps went to a new department (missed the name they call it - starts with a D) for a full review.

When this new daprtment reviewed my whole account, they determined (using unknown logic) that I only warranted one account. They therefore closed the United account and left the Hyatt alone. Requests to reopen the account has been met with Chase saying that is now impossible since this is permanently closed. They have stated I can reapply... But now this card that I never had will count on my credit report and as an additional card in 5/24 land.

I've put a complaint into the CFPB as well as asked for a supervisor of this underground dept to call me back with more info. I'll keep you all posted.
CFPB got my permanently closed account open, while four levels up on Chase Phone call (no clue what any of the titles where after the regular rep) did nothing. Good luck!
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Offline grodnoking

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Re: Chase Reconsideration
« Reply #12188 on: November 26, 2018, 12:39:31 PM »
Applied for a card, got message that they will inform me when they can if I've been accepted.  Called recon, but they couldn't pull up application with my SS or name. What gives?
Update: must have mistyped my SS. Went thru security check, they changed my social, and I got instant approved.
I'm not who you think I am.

Offline brodes18

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Re: Chase Reconsideration
« Reply #12189 on: November 28, 2018, 11:59:56 AM »
CFPB got my permanently closed account open, while four levels up on Chase Phone call (no clue what any of the titles where after the regular rep) did nothing. Good luck!

Update: Due to my complaint with the CFPB, Chase reopened my account within 3 days of filing it. The rep had reviewed my case and saw that the actions taken did not make much sense. She worked with the lending dept. to get it reopened.

Great suggestion on the CFPB @grodnoking, thanks!

Offline Dovdovmoneytree

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Re: Chase Reconsideration
« Reply #12190 on: November 28, 2018, 07:18:57 PM »
Applied for Chase Ink Cash. Denied and said will receive letter in 7-10 days with reason. I'm 4/24 without AU 5/24 with AU

Should I call recon or wait for letter??

Offline MrKaplan

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Re: Chase Reconsideration
« Reply #12191 on: November 28, 2018, 08:43:55 PM »
Applied for Chase Ink Cash. Denied and said will receive letter in 7-10 days with reason. I'm 4/24 without AU 5/24 with AU

Should I call recon or wait for letter??
Call. There's nothing to wait for

Offline Mo2

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Re: Chase Reconsideration
« Reply #12192 on: December 04, 2018, 12:14:09 AM »
Applied for the ink unlimited and got a pending, called the number for application status and it said 30 days.

Last time this happened I was auto approved the next day.

 That's twice in a row that I got pending when using Sole proprietor. Is it common not to be instantly approved?
Any correlation to having a sole proprietor business?
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Offline as2

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Re: Chase Reconsideration
« Reply #12193 on: December 04, 2018, 12:18:20 AM »
Applied for the ink unlimited and got a pending, called the number for application status and it said 30 days.

Last time this happened I was auto approved the next day.

 That's twice in a row that I got pending when using Sole proprietor. Is it common not to be instantly approved?
Any correlation to having a sole proprietor business?
I haven't seen an auto approval for an ink. Only done sole prop, but seems to always go pending and usually approved shortly after.
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Offline MrKaplan

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Re: Chase Reconsideration
« Reply #12194 on: December 04, 2018, 12:20:47 AM »
Applied for the ink unlimited and got a pending, called the number for application status and it said 30 days.

Last time this happened I was auto approved the next day.

 That's twice in a row that I got pending when using Sole proprietor. Is it common not to be instantly approved?
Any correlation to having a sole proprietor business?
I have yet to be approved on the spot. I have 3 Inks all got the 30 day msg and approved within a couple days.

Offline zagguru

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Re: Chase Reconsideration
« Reply #12195 on: December 04, 2018, 07:25:02 AM »
I have yet to be approved on the spot. I have 3 Inks all got the 30 day msg and approved within a couple days.


How long did u wait before applying between each?

Offline zagguru

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Re: Chase Reconsideration
« Reply #12196 on: December 04, 2018, 09:06:55 AM »
What does it mean when the automated message says "30 days"?

Offline MrKaplan

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Re: Chase Reconsideration
« Reply #12197 on: December 04, 2018, 10:05:59 AM »

How long did u wait before applying between each?
It was over a 2 year period
What does it mean when the automated message says "30 days"?
In my personal experiance approved. There are those who might disagree.

Offline JACKBLUE

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Re: Chase Reconsideration
« Reply #12198 on: December 04, 2018, 10:08:18 AM »
What does it mean when the automated message says "30 days"?
In my personal experiance approved. There are those who might disagree.
https://forums.dansdeals.com/index.php?topic=8398.msg2002667#msg2002667

Offline Mo2

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Re: Chase Reconsideration
« Reply #12199 on: December 05, 2018, 09:23:47 PM »
Applied for the ink unlimited and got a pending, called the number for application status and it said 30 days.

Last time this happened I was auto approved the next day.

 That's twice in a row that I got pending when using Sole proprietor. Is it common not to be instantly approved?
Any correlation to having a sole proprietor business?

Thank u all for the DP.

I was auto approved today without needing to call recon.

I find it interesting that the Inks don't do instant approval. I was always instantly approved on my personal cards
Common sense is not a gift, it is a punishment.
Because you have to deal with everyone who doesn't have it.