It was probably around 9-10 months ago that Chase closed my AARP account with 180,000+ points that was forfeited. Had complained back when they closed my account about my points, but couldn't get them to give me anything but "sorry you didn't use your account as intended". I had given up on it. Today a check came in the mail for just over 1,800. Definitely a nice surprise.
mimi6789 said: ... Will attempt to apply a new chase credit card in the near future to see if blacklisted.
Congrats on the check. I have not gotten mine yet. I did go ahead apply for a chase card and after 1 1/2 months waiting I was rejected with the following reason:
Delinquency or other derogatory relationship with our bank.
TheManWhoExcaped said: mimi6789 said: ... Will attempt to apply a new chase credit card in the near future to see if blacklisted.
Congrats on the check. I have not gotten mine yet. I did go ahead apply for a chase card and after 1 1/2 months waiting I was rejected with the following reason:
Delinquency or other derogatory relationship with our bank.
Keep filing those complaints folks!!! Don't let the pressure ease up on them. This is obviously a manual procedure and many accounts may get overlooked if you don't bring it to the govts attention.
If you haven't already got your check in the mail , be sure to complain while this is still an open investigation .
I had one more 5% month left after my account was re-opened. Made a few more purchases on the card, received 5% for the last month, and redeemed the rewards.
ironfist99 said: TheManWhoExcaped said: mimi6789 said: ... Will attempt to apply a new chase credit card in the near future to see if blacklisted.
Congrats on the check. I have not gotten mine yet. I did go ahead apply for a chase card and after 1 1/2 months waiting I was rejected with the following reason:
Delinquency or other derogatory relationship with our bank.
YMMV
Where all of your accounts closed or just AARP?
They did not close my AARP account. I did. It did tick them off so a month or two later they closed all my other CC account (one card).
Filed complaint less than 2 weeks ago just stating they took my points and gave them the last 4 of the card #. Checks arrived today for me and other household members who lost points as well.
Shortly after all of my Chase accounts were nuked this past January, I tried opening a new chase card and got the poor relationship with bank excuse which more or less meant I was on their black list. here we are roughly 6 months later and I tried again this past Sunday. it went to manual review during the app process which I figured I was still banned but I got notice today that I was approved for a decent credit line. Seems as though the black list has been lifted, hopefully for all users who were put on it due to the AARP fiasco.
swintec said: Shortly after all of my Chase accounts were nuked this past January, I tried opening a new chase card and got the poor relationship with bank excuse which more or less meant I was on their black list. here we are roughly 6 months later and I tried again this past Sunday. it went to manual review during the app process which I figured I was still banned but I got notice today that I was approved for a decent credit line. Seems as though the black list has been lifted, hopefully for all users who were put on it due to the AARP fiasco.
was it the same type of chase card. i applied for one of my cards that was closed and after being told i was approved on the phone. got a letter saying denied for bad history with bank. i called and ask why was i first approved and was told i can not get the same type of card i had before if it was closed by chase
nymgiants said: swintec said: Shortly after all of my Chase accounts were nuked this past January, I tried opening a new chase card and got the poor relationship with bank excuse which more or less meant I was on their black list. here we are roughly 6 months later and I tried again this past Sunday. it went to manual review during the app process which I figured I was still banned but I got notice today that I was approved for a decent credit line. Seems as though the black list has been lifted, hopefully for all users who were put on it due to the AARP fiasco.
was it the same type of chase card. i applied for one of my cards that was closed and after being told i was approved on the phone. got a letter saying denied for bad history with bank. i called and ask why was i first approved and was told i can not get the same type of card i had before if it was closed by chase
Yes, my Marriott card for travel. Shows up in my online account center. I also called today to have the card over-nighted and the rep had no problem doing so. I had wondered if the black list was for only 6 months as it has been about that long but i thought they typically lasted 2 years+. Naturally, because I didnt get auto approved on the website, someone manually looked at the app this week and made the decision.
newlin99 said: Filed complaint less than 2 weeks ago just stating they took my points and gave them the last 4 of the card #. Checks arrived today for me and other household members who lost points as well. up.
I filed a ton of complaints. Zero response from basically everyone including Chase. I guess you got lucky. I am not giving up.
SUCKISSTAPLES said: Keep filing those complaints folks!!! Don't let the pressure ease up on them. This is obviously a manual procedure and many accounts may get overlooked if you don't bring it to the govts attention.
If you haven't already got your check in the mail , be sure to complain while this is still an open investigation .
Received letter today stating they would give me somewhat less than $3000 for the points canceled, in a check to come later.
I had written a complaining letter (on line) to the consumer Finance agency, with details. Hence, I suggest any who feel they were wronged and have a strong case take this route. There also is hope of reform in forcing firms to give advertised rebates, rather than inducing you to take a offer, spend expecting to receive the promised benefit (which is often spending that if done on another card would have earned points or cash in some way), and then not delivering the promised benefit. Large firms, like Chase, should be able to spell out in advance what benefit you will received and deliver on their promises.
The letter was similar to other letters reported stating the card would nto be reopened, and they thought they were within their legal rights.
It did supply reasons I had not been given earlier. They thought the usage was for business purposes, which apparently was based on some large charges to a foreign exchange firm (not for currency to spend, but as part of a speculation/investment). While their position is defensible (the goal was to make money), I don't think this type of charging by consumers is unusual (the firm is set up to take credit cards, and I believe even declines to take business credit cards, unless the account was set up as a business account).
I was not offered a credit for a $3500 or so charge made before they canceled the card, but which posted on the next statement (They canceled the card just before the closing date, a timing which does not appear accidental).
I also did not get any credit for a few points on a Chase Freedom card that was canceled and on which all of the points had been earned by routine Amazon purchases. The letter ave the last digits for this card, but the business use clearly did not apply to the few Amazon purchases that the points had been earned on, and I don't think the card had ever been used for other than traditional consumer purchases (toys, food, gasoline, etc.)
I may continue fighting on the $3500 since it was made on their promise of 10% back, and I would have otherwise used a card giving 2% or more (none of which cards had ever objected to such charges, which have been made in large amounts over many years).
The few points lost on the Freedom card are trivial, but it would be nice to have the card for occasional 5% promotions. If not on some type of black list, I presumably could apply for a new Freedom card at some points and possibly pick up some type of bonus.
If it turns out I am on some type of black list, it may be worth arguing further to show them they were either wrong, or at least my position was debatable. I am a potentially valuable customer (having a high net worth, high income, and a good credit rating) and a very substantial investment portfolio.
Keep complaining professor until you get every penny owed. You are correct there needs to be reform in the area of enticing people to earn rewards , they go out and earn them, then they try to prevent redemption later
I am also trying to find out in the actual program terms that they mailed if it said anything about business purposes. I have had many cards of the years on the personal side used for business purchases. Many of these are large charges and I sometimes call the card company to make sure they are aware so they approve. I have never had one single card company have any issue whatsoever with business purchases on a personal card, this includes AMEX, citibank, us bank, barclays, bank of america and even chase. I never had a single account closed or any points forfeited. I would have to research this but it would not surprise me if the actual terms on those products may say something about business purchases. However it may be in there if other issues arise and I have never had anyone in customer service ever find issue or problems with that. If no business purposes are allowed on any Chase cards that would mean (Chase) would close any account (personal) that has a business charge on it once identified as such. This issue came up because of how good this AARP program was. Any idea how many personal cards are even ussed for reimburstable business expenses? Has anyone here had a personal card account from any company closed for charging business expenses? In the world of credit cards there are relatively few business cards compared to the vast number of personal cards. When you have a small business, the approval on a business card is mostly due to your personal credit. In fact my expereiences have been that thei, growth, size of my business and age (more than 25 yrs) has little effect on the credit line or approvals. This means if you dont have great personal credit, getting business cards may be tough, and that if you have very strong personal credit this will help on the business side greatly. From a straight liability standpoint the business cards have the promary owner sign for personal responsibility. I know this is not eactly on exact target of this thread, however I mention it because the comments about using the card for business purposes has come up.
swintec said: nymgiants said: swintec said: Shortly after all of my Chase accounts were nuked this past January, I tried opening a new chase card and got the poor relationship with bank excuse which more or less meant I was on their black list. here we are roughly 6 months later and I tried again this past Sunday. it went to manual review during the app process which I figured I was still banned but I got notice today that I was approved for a decent credit line. Seems as though the black list has been lifted, hopefully for all users who were put on it due to the AARP fiasco.
was it the same type of chase card. i applied for one of my cards that was closed and after being told i was approved on the phone. got a letter saying denied for bad history with bank. i called and ask why was i first approved and was told i can not get the same type of card i had before if it was closed by chase
Yes, my Marriott card for travel. Shows up in my online account center. I also called today to have the card over-nighted and the rep had no problem doing so. I had wondered if the black list was for only 6 months as it has been about that long but i thought they typically lasted 2 years+. Naturally, because I didnt get auto approved on the website, someone manually looked at the app this week and made the decision.
LOL. As long as I get my points money I can live with a little blacklist for 6 months or so. Chase has some decent card promos on new product, however as we see they can take from you. Considering I have other relationships wiht me they are miserable. And they dont really want to talk about either. I am in favor of a government breakup myself.
I was inspired by the recent checks people were getting and filed a complaint with the consumer finance protection bureau - https://help.consumerfinance.gov/app/creditcard/ask. Next time I checked the mail a day or two later, the check and the letter were there. The account and all other chase cards were closed about a year ago. So obviously it was just a coincidence that I had filed the complaint, the check was already in the mail. The only other thing that possibly could have helped was a month or two ago I got something in the mail from AARP about renewing my membership, so I called in, and told them i wouldn't be renewing because of the terrible experience I had with the Chase AARP card, and how I didn't feel like I could trust their endorsement at all anymore.
robertw477 said: I am also trying to find out in the actual program terms that they mailed if it said anything about business purposes. I have had many cards of the years on the personal side used for business purchases. Many of these are large charges and I sometimes call the card company to make sure they are aware so they approve. I have never had one single card company have any issue whatsoever with business purchases on a personal card, this includes AMEX, citibank, us bank, barclays, bank of america and even chase. I never had a single account closed or any points forfeited. I would have to research this but it would not surprise me if the actual terms on those products may say something about business purchases. However it may be in there if other issues arise and I have never had anyone in customer service ever find issue or problems with that. If no business purposes are allowed on any Chase cards that would mean (Chase) would close any account (personal) that has a business charge on it once identified as such. This issue came up because of how good this AARP program was. Any idea how many personal cards are even ussed for reimburstable business expenses? Has anyone here had a personal card account from any company closed for charging business expenses? In the world of credit cards there are relatively few business cards compared to the vast number of personal cards. When you have a small business, the approval on a business card is mostly due to your personal credit. In fact my expereiences have been that thei, growth, size of my business and age (more than 25 yrs) has little effect on the credit line or approvals. This means if you dont have great personal credit, getting business cards may be tough, and that if you have very strong personal credit this will help on the business side greatly. From a straight liability standpoint the business cards have the promary owner sign for personal responsibility. I know this is not eactly on exact target of this thread, however I mention it because the comments about using the card for business purposes has come up.
Rob My sister got her card closed for the "business purchases" BS reason. At the time we looked through her cardholder agreement and found NO reference to business use and made that point to a CSR. As all of us know well, using logic with Chase was fruitless. She just filed the CFPB complaints and awaits a response. Sorry, but we tossed the agreement a few months ago.
SUCKISSTAPLES said: Keep complaining professor until you get every penny owed. You are correct there needs to be reform in the area of enticing people to earn rewards , they go out and earn them, then they try to prevent redemption later
Precisely. This issue doesn't just affect credit-card gamers. It's a simple issue of fraudulent inducement that effects all rewards credit card holders. It's a great issue for the CFPB to tackle, and regulation in this area should be straightforward.
DaveHanson said: SUCKISSTAPLES said: Keep complaining professor until you get every penny owed. You are correct there needs to be reform in the area of enticing people to earn rewards , they go out and earn them, then they try to prevent redemption later
Precisely. This issue doesn't just affect credit-card gamers. It's a simple issue of fraudulent inducement that effects all rewards credit card holders. It's a great issue for the CFPB to tackle, and regulation in this area should be straightforward.
For me the part about closing an account for any reason to forfeit the points seems to be the major issue here. Again this assumes the account is paid in full and not in default. No company should be allowed to do anything like this. Ialways stated it is their choice to close the account. They closed these accounts because they didnt want to pay the points and thought they might get away with it.
ctrix65513 said: capnkidd said: capnkidd said: No complaints filed, but received 3 checks and 3separate ” nasty” letters about abuse of rewards etc.
Checks total over $4700... Accounts were closed in march by chase.
Initailly they had closed all my chase cc accounts, but quickly sent letters saying there had been a mistake, and they were only cancelling the AARP card(s).
Were the 3 separate checks all issued for the same AARP card?
I was the one who had my $1800 statement credit reversed and yesterday I suprisingly receivd the exact same letter posted and a chec. It was for a little less than $100. Interestingly enough, I had drained my rewards account via a statement credit (that subsequently was reversed) so I have no idea where this figure came from. I filed complaints months ago with the CFPB, AARP, and multiple Chase executives and even included copies of legal filings I considered filing in small claims court and nothing seemed to help at the time. Maybe I'll recontact them after this turn of events. I kind of wrote the issue off until receiving this letter. Their definately feeling pressure from someone.
I filed complaints with the CFPB, BBB, and FTC on Saturday; however, I also decided to simultaneously send Chase a secure message informing them of my complaints and asking them, again, to allow me to redeem my points (I had previously called, several times, around when my cards were actually closed).
Long story short, they said yes this time, and said they will be issuing a statement credit (I am still carrying a balance at 0% APR). Fine by me. I doubt the respective agencies had contacted them yet.
QUICK QUESTION RE: MAKING A MID-CYCLE PAYMENT TO INCREASE AVAILABLE CREDIT
I'm in the final 2 weeks of my 6 month 5% promo. I have a large purchase made today ($30K) which is pending / already affected my credit line. It might settle tomorrow or the next day. Can I schedule a payment today to get my credit line re-available or is the payment itself before other charges have settled a big red flag? Note that I wouldn't be bringing my balance to a credit balance... might not even pay to get my balance to zero.
(Note that I know that churning your balance multiple times in a month is itself a problem -- my main concern is scheduling the payment when that big charge hasn't settled.)
Note: while I have 2 weeks left on my promo, I have to pay a particular vendor another large amount in 2 days.
atohmc said: I filed complaints with the FCFB, BBB, and FTC on Saturday; however, I also decided to simultaneously send Chase a secure message informing them of my complaints and asking them, again, to allow me to redeem my points (I had previously called, several times, around when my cards were actually closed).
Long story short, they said yes this time, and said they will be issuing a statement credit (I am still carrying a balance at 0% APR). Fine by me. I doubt the respective agencies had contacted them yet. Awesome news, thanks for sharing. BTW, what is the FCFB? Sorry if I'm asking a naive question.
I'm in the final 2 weeks of my 6 month 5% promo. I have a large purchase made today ($30K) which is pending / already affected my credit line. It might settle tomorrow or the next day. Can I schedule a payment today to get my credit line re-available or is the payment itself before other charges have settled a big red flag? Note that I wouldn't be bringing my balance to a credit balance... might not even pay to get my balance to zero.
Push the payment from you bank acct and it will be fine, it doesnt matter anyway, you only have 2 weeks left. what are they gonna do?? I paid my $30000 CL several times a month while my card was still active, no adverse action.
Happy283 said: I'm in the final 2 weeks of my 6 month 5% promo. I have a large purchase made today ($30K) which is pending / already affected my credit line. It might settle tomorrow or the next day. Can I schedule a payment today to get my credit line re-available or is the payment itself before other charges have settled a big red flag? Note that I wouldn't be bringing my balance to a credit balance... might not even pay to get my balance to zero.
Push the payment from you bank acct and it will be fine, it doesnt matter anyway, you only have 2 weeks left. what are they gonna do?? I paid my $30000 CL several times a month while my card was still active, no adverse action.
It does matter. The swan song of charges will happen in my final weeks of the promo, and I want to avoid AA right when I need the account to make a purchase in exactly 2 days. Note that I had a very specific question related to a non-settled pending payment. I wasn't asking about how many churns I can pull off a month.
neophyte said: Venturion said: BTW, what is the FCFB? Sorry if I'm asking a naive question.I'd think poster meant CFPB, and they just started posing our CC complaints publicly http://finance.yahoo.com/news/u-watchdog-puts-credit-card-042107... much to chagrin of big banks
If you go here link and sort by "Company", you can see which credit card complaints were "Closed with monetary relief".
Venturion said: atohmc said: I filed complaints with the FCFB, BBB, and FTC on Saturday; however, I also decided to simultaneously send Chase a secure message informing them of my complaints and asking them, again, to allow me to redeem my points (I had previously called, several times, around when my cards were actually closed).
Long story short, they said yes this time, and said they will be issuing a statement credit (I am still carrying a balance at 0% APR). Fine by me. I doubt the respective agencies had contacted them yet. Awesome news, thanks for sharing. BTW, what is the FCFB? Sorry if I'm asking a naive question.
Sorry, as the other posters have corrected, it should have said CFPB
TrippKnightly said: QUICK QUESTION RE: MAKING A MID-CYCLE PAYMENT TO INCREASE AVAILABLE CREDIT
I'm in the final 2 weeks of my 6 month 5% promo. I have a large purchase made today ($30K) which is pending / already affected my credit line. It might settle tomorrow or the next day. Can I schedule a payment today to get my credit line re-available or is the payment itself before other charges have settled a big red flag? Note that I wouldn't be bringing my balance to a credit balance... might not even pay to get my balance to zero.
(Note that I know that churning your balance multiple times in a month is itself a problem -- my main concern is scheduling the payment when that big charge hasn't settled.)
Note: while I have 2 weeks left on my promo, I have to pay a particular vendor another large amount in 2 days.
Update: Chase tells me that as long as my payment doesn't exceed the amount of my pending charges + current card balance then that should create no immediate issues or red flags.
It does matter. The swan song of charges will happen in my final weeks of the promo, and I want to avoid AA right when I need the account to make a purchase in exactly 2 days. Note that I had a very specific question related to a non-settled pending payment. I wasn't asking about how many churns I can pull off a month.
I didnt tell you how many churns you could pull off in a month, i only told you what I thought would help your specific question, I pushed a payment all the time and never had adverse reaction and my CL was available again to use as soon as the payment and charge both hit up. I did the exact same thing you are trying to do at the end of my first AARP CC. NO REASON TO BE SO ARROGANT WHEN SOMEONE IS TRYING TO HELP YOU, you wont get any help that way around here.
TrippKnightly said: Update: Chase tells me that as long as my payment doesn't exceed the amount of my pending charges + current card balance then that should create no immediate issues or red flags.
I don't think asking Chase is the best way to avoid a red flag...
BingBlangBlaow said: TrippKnightly said: Update: Chase tells me that as long as my payment doesn't exceed the amount of my pending charges + current card balance then that should create no immediate issues or red flags.
I don't think asking Chase is the best way to avoid a red flag...
Heh heh. I don't see how asking a frontline phone rep an innocent and probably not TOO uncommon question about how things work (what happens if I make a payment exceeding my current posted balance but below my still-pending charges?) leads to an account being hobbled. Would be ridiculously heavy-handed on their part.
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