아... 황당하시겠어요. 혹시 체킹 계정도 가지고 계시고, 그 체킹 계정에 최근에 현금 입금하신 경우가 있으신가요? 

아이고 갑작스럽게 많이 놀라시고 황당하시겠네요. 잘 해결되시길 바라겠어요. 나중에 어떤 이유에서 그런지 다른 마모분들을 위해 혹시 업데이트 해주실 수도 있으시겠지만, 예전에 올리신 질문글로 추측해 보면, 개인카드로 비지니스 많은 장을 보신다고 하셨는데, 그에 따라 무지렁이님 말씀대로 현금입금이 많이 생겨나 일어난 일이 아닐까 조심스레 추측해 봅니다만... 하여튼 문제가 잘 해결되길 바라겠습니다. 

저도 같은 아픈 기억이 있는데요 ..저같은경우는 트랜스퍼 해주던 친동생 어카운트 까지 같이 막혔구요.

같은 주소인 와이프거 어카운트는 안전하더라구요. 근데 끝까지 정확한 이유는 알려주지 않더라구요.

그냥 위에서 조사해보니 니 어카운트가 불안정하다 이런식이지 정확한 이유는 듣지 못했습니다.

저같은 경우는 비즈니스 어카운트 캐쉬 디파짓피를 피하기 위해 개인에 넣었다가 옮기다 그랬던거같아요.

뱅커가 알려준건데 정말 억울하더군요. 어찌되었건 한번 닫힌 계정은 절대 열지못한다는 소리만 반복하더라구요 전화하면..

암튼 MK님의 어카운트 안전하길 빌겠습니다~

MK님, 꼭 잘 해결되셨으면 좋겠습니다.

어이쿠...저도 몇년전에 닫혔었는데요. 전화 정말 몇백번 해서 다시 리컨 받아서 열었습니다. 언젠가는 그래도 다시 열수 있으니 너무 걱정은 마세요~

체이스 카드를 어떻게 Pay하셨나요?

지점에 가서 현금이나 머니오더로 내셨나요?

아니면 체이스 외에 카드들을 최근에 많이 내신 기록이 있으신가요?

그런데 이자를 내신다고 하셨는데 그럼 이자 내시는 밸런스가 많으신가요?

아무리 카드 회사가 이자 장사를 하는 장사지만 밸런스가 자기들이 생각하기에 너무 높다고 생각하면

Risk 관리 차원에서 닫아버릴 수도 있을 것 같은데요.

여하튼 은행구좌가 없으시다니 다른 시점에서 한 번 봐야겠네요.

페이는 항상 은행에서 바로 나가는것으로 되있고요,

카드는 SPG 하나와  사리만 메인으로 사용했습니다.

요즘 벨런스가 많았지만 그래도 3만불 리밋에 한 5천불 정도의 밸런스정도 였습니다.

이자는 항상 내는건 아니였고요 낼때도 있고 안낼때고 있고 그랬습니다.

그냥 보기에는 처음 보는 케이슨데요...

잘 해결되시기 바랍니다..

편지오시면 후기 부탁드릴게요 어떤 케이스인지 궁금하네요 

아마 편지 와봐도 특별한 내용없을거에요

그냥 security team에서 security한 이유땜에 닫았가다 대부분이니까요

아마 당분간 (몇년간)은 체이스 다시 여시기 힘들겁니다.

일단 체킹없으시니 하나 만들어서 거기서 부터 다시시작하세요

아면 그럼 한 1-2년 뒤에는 다시 여실수 있을겁니다.

제가 아시는분도 카드 전부 닫힌뒤에 은행 직원이 이렇게 하라고 해서

2년후데 다시 카드 열었습니다

저는 조금 다른 경우인데요. 작년에 체이스 $500 보너스 쿠폰으로 오픈한 개인 Total Checking Account가 저절로 닫혔습니다. 물론 $200 보너스 받은 후인데 갑자기 체킹 어카운트가 온라인에서 사라져 문의하니 60일 동안 체킹 발란스가 0이라 클로스시켰다네요. 세이빙스는 오픈인 상태였는데도요. 오버드래프트 어카운트 닫히는 건 봤는데 발란스 0이라고 닫히기도 하나요?... 어자피 닫을 어카운트라 미련은 없는데 강제로 닫히니 기분이 별로.... ;;;; 

아..저도 6개월전에 아픔이 갑자기 생각이나는군요. 제 생각에 잘못한건 없는데 체이스측에서는 제가 생각하지 못한것을 문제 삼아서 제 계정을 다 닫아버렸죠.뭔지 모르지만....이유를 설명하면 좀 덜 억울(?)할텐데....동시에 아무 잘못도 없는 집사람 계정도 같이 잠가버리고...  

체킹 어카운트가 없는 상황에서 은행에 가셔서 직접 캐쉬로 페이먼트를 하셨다는 이야기 인 것 같은데 맞나요? 최근에 체이스가 현금으로 페이먼트 하는 것을 금지했다고 하네요. 결국은 돈세탁의 위험성이 있다는 것인데, 아무래도 개인이 소비한다고 보기에는 조금 많은 액수의 크레딧 카드 소비와 계속되는 다소 고액의 현금 페이먼트가 문제가 아니었나 생각이 됩니다.  저는 전문가가 아니니 다른 마모님들의 의견이 필요할 것 같기도 하구요. http://investmentwatchblog.com/jp-morganchase-stops-accepting-cash-as-payment-for-credit-cards-mortgages-forbids-customers-from-storing-cash-in-safety-deposit-boxes/

혹시 gift card 를 많이 사시거나 체이스 포인트를 다른 사람 계정으로 옮기셨나요? 실수로 닫힌 케이스 같기도 한데...

예전에 저도 웰스파고 어카운 클로즈 당했을때 생각나네요

정상적으로 다른 사람한테 받은 첵을 디파짓했는데 suspious activity라고 일방적으로 클로즈해버렸네요 어카운 안에 들어있던 돈은 2주걸려서 머니오더로 받았구요 ㅠ

같은 사람한테 받은 첵을 단기간에 여러번 디파짓하긴 했는데 그랬다고 클로즈시키다니..

정확한 이유는 끝까지 안알려주더라구요

어이없어서 웰스파고 뺀 나머지 메이져뱅크 다 오픈해서 쓰고 있습니다 ㅎㅎ

와, 이런 경우도 있군요. 정말 기분나쁘시겠어요... 잘 따져서 추가피해 없으시길 바랍니다. 

I. The policy

Compared with the FR by AmEx, temporarily freezing your account and demanding financial documents, what Chase does is much simpler and cruder. When Chase thinks that you are not a reliable client, they can close all your accounts without any warning, including your checkings/savings accounts. Many customers did not feel anything abnormal before all their accounts were closed. In fact that they had no idea they were shut down until their transactions  were constantly declined and they went to Chase for consultation.

This policy is not as simple as just closing all your accounts. It often comes with the result that they are been blacklisted temporarily: that for some period of time, they cannot use Chase services, even including opening a checking account. As for how long that period of time will be, no one can give a definite answer. As some data points showed, after being blacklisted, a lot of people might successfully apply for Chase credit cards 1-2 years later, but later received the closed account notification e-mails again as soon as or even before they got the cards. Unfortunately, people usually cannot get a definite answer on why their accounts have been closed even if they inquire.

II. Things to avoid

Obviously, having our accounts closed by Chase is not what we want. After reading the above introduction, we believe everybody is more eager to know what exactly leads to this cruel act. We help you collect some possible high-risk behaviors in Chase’s eyes.

• Cash: Money Laundering Suspicions
• Large Oversea Remittance
• Trading UR Points
• Bonus Category Abuse
• Large Spending in a Short Time
• Negative factors on credit reports

1. Cash

Chase is a bank that is not keen on cash. Large amounts of cash transactions are likely to get Chase’s attention. The main reason is suspicions of money laundering. One thing to note is that there is not a large difference between money orders (MOs) and cash to Chase. Depositing too much of either of these is likely to lead to some sort of investigation that could end poorly. We aren’t saying that your accounts will definitely be closed if you deposit cash to Chase, there are plenty of legitimate reasons that one might be doing this, but large amounts of cash deposits was one of the common threads to people who had their accounts closed.

In short, you’d better avoid Chase when you are making multiple transactions involving cash, that goes for quantity and amount. As long as Chase catches you with suspicion about money laundering, they can and often will close all your accounts.

2. Large Oversea Remittance

Handling EB5 investment immigration or buying a house usually requires a lot of money. Not long after some large amount like $550,000 went into their accounts, their Checking/Saving accounts got closed. Although some Chase bankers tell people not to worry about their credit cards, the outcome is often that the credit cards are also closed in a few days.

Try to choose other banks if you want to remit hundreds of thousands of US dollars. International students who annually remit tens of thousands of dollars to one hundred thousand dollars don’t worry about this.

3. Trading Ultimate Rewards Points

There are no two ways around this one, Chase clearly writes the following out in their terms.

Don’t transfer points to people who do not live at the same address as you! If you want to use their own points to buy tickets for their friends, do so through your Chase portal or by transferring to your frequent flyer accounts instead of directly transferring your points to them. Also if you’re thinking about selling points, it really isn’t worth the risk.

4. Bonus Category Abuse

This applies mainly to business card (Ink Plus & Ink Cash) users. The cap for the 5x bonus category is very high, with each card you can earn up to 250k points per year. If you only use the 5x bonus category you will definitely draw some attention.  This is definitely behavior that any credit card issuer will look out for as they don’t make money on customers that use their cards to get the bonus and then sock drawer them away. If you are going to be hitting the bonus categories hard, make sure to mix in enough natural spend.

Although the frequently seen Freedom also has a 5x bonus category, you can earn at most 1500×5=7500 points per quarter, so the total bonus points in one year is 30K points. We have never heard of any Freedom users being shut down over only using the bonus categories and think it’s safe to say not to worry about this particular card.

Long ago one benefit of the Freedom was that users would get 10 points per transaction. Many people were caught by Chase because they swiped too frequently.

5. Large Spending in a Short Time

Large amounts of spending in a short period that is not in accordance with your usual spending habits would cause an alert for any bank. Just as we have mentioned in Avoid Amex FR: it usually takes nearly three months to finish the spending requirements to obtain the sign-up bonus of a credit card account. So, do NOT hurry to finish that task in a short time. Instead, spend the money slowly and don’t be so aggressive.

Some may suggest that call Chase before a large purchase to eliminate concerns and ensure that the transaction goes through. We think the effect of that is very limited. It helps you not in that you will likely not be declined when you swipe your credit card, but as to whether you will be targeted by risk control after that, we doubt it really has an effect.

6. Serious Negative Factors on Credit Reports

Once you have a Chase credit card, Chase will conduct Soft Pulls from time to time on your credit reports and monitor your credit behaviors. If there are serious negative factors on your credit reports, it is entirely possible for Chase to see them and act on them. These possible factors include:

• Your accounts were closed by other banks. If you’ve closed accounts, there’s no need to worry. On the report, the mark made when the cardholder closes the account on their own is different from the one made by a bank closing their account. h
• A lot of debt suddenly appeared on your account. If all of a sudden your Utilization Ratio became very high and didn’t lower to the previous level, Chase is likely to consider that you encountered a personal financial crisis.

Sometimes, Chase may silently reduce your credit lines in response. However, they may close your accounts when serious negative factors appeared on your credit reports. The bottom-line is that Chase can monitor your credit reports.

III. What Shall We Do if All Our Accounts Were Closed?

Certainly, this is not something we want to plan for or even think about. The harsh reality is that this may happen and very few customers that made complaints successfully and resurrected their accounts. The result of complaints is often being blacklisted by Chase for life.

In the absolute worst case that you don’t heed the above information and your accounts are closed, Chase specifically states in terms that you have 30 days from the closure of your accounts to transfer your UR points. After 30 days, these points will be confiscated. Thus, the first thing after account closure is to transfer all the UR points quickly.

After being blacklisted, all you can really do is wait. The conservative suggestion is to apply for the Chase credit card again more than 2 years later. If your application is approved and your account keeps alive, do not provoke Chase anymore. In addition to waiting, another method is to ask the banker for help. Undoubtedly, the banker should know you well and completely trust you. Some bankers enjoy more rights and can approve your application directly.

There’s a rumor that if you are a Chase Private Client (CPC), your account won’t be closed, but that’s actually not true. One of the readers here was a CPC but his accounts also got killed.

The moral of the story here is to be wary of the things stated above, not only for Chase but for any bank!

편지 왔어요. 참.. 정말 알수없군요. 

저도 저 문구가 정말 신기하네요.   저도 이렇게 답답하고 궁금한데 MK 님은 어떨지...  아휴. ㅠ.ㅠ