- 1 Chase Closed My Account Without Notification
- 2 Chase Private Client and 65K For Everyone in Your Family
- 3 Use This Trick to Get Your Chase Account Number Before Your Card Arrives
Chase Closed My Account Without Notification
Sometime in January, I received convenience checks from Chase Bank for my credit card. As I had not received a statement from Chase as of today, February 11, 2008, I called Chase customer service to inquire about my account.
Our chase checking account was restricted without any notice as well.
We had this account for 13 years (started when it was Washington
Mutual bank). I was an loyal customer in every way, direct deposit
two pay checks, home mortgage with chase, credit cards, ATM cards and
the whole deal. All of the sudden they decided to close my account.
When asked why, both by phone and going to their branch, I was told
they can not tell me why. I will spread the news on face book sites
and all my friends and family that Chase sucks big time.
On November 29, 2010, I got an email from Chase Bank saying I was in
the negative $999,999.00, not only on my own account, but my mother's
account where I am only power of attorney and also my daughter's
account. This was nearly a hold of a total of 3 million dollars!
Thinking it was a mistake or clerical error, I tried to find out what
was going on and was told to call a number given to me. I called, more
than once, only to be told that Chase could close anyone's account
when they wanted for any reason or even no reason. But they didn't
close my account, only put a "restriction" on it and the others. I had
no prior notice to it and had written checks to pay my bills with over
$1000 in the account when I did. They refused to pay the checks I had
written and the money was in the bank to cover them. They were sent
back when they tried to clear after the 29th, with "refer to maker" on
them which ultimately either they were turned over to the prosecuter
(even after I had talked to someone about the situation at the
business), were attached fees and sent to me of the notice of the
"bad" check I wrote and the additional fees, or they tried to return
them to the bank for payment again and sometimes twice more due to
their collection of "bad" checks. I received a letter saying that they
would "close" all the accounts, even my mother's because it was linked
to my social security number since I was her POA, 10 business days
from the letter. Instead, they have continued with their restriction,
allowing my automatic deposits to be consumed and held, even though
they said they would reject them as well and I couldn't stop them in
time from depositing, so I have had no money for over two weeks now,
as my social security is my major income as well as my mother's both
being deposited on the 3rd of the month. I have pleaded, cried, and
yelled trying to get our money unfrozen. All my deposits cleared and
now are sitting on hold in the bank. I have utilites I can't pay as
well as my mortgage. My credit card payments are late so my credit
rating I worked so hard for is shot. I have no gas to go anywhere
including work, no food to eat, no food to feed my animals, and also
no phone as they shut off my phone when the check I paid them returned
to the phone company, even though the money was sitting in the bank to
pay it when it was written and still is. I can't even get minutes for
my cell phone. My mother is elderly and I have to keep in contact with
her. I have no money for Christmas. What do these people think I did
that was so wrong to close my accounts? Did they have a right to do
this to my mother's money also when I'm not even on her account, only
her POA? They say they won't close it until there is NO activity and
people keep sending the check unpaid back through trying to get their
money so the 10 day period was also a lie. WARNING: Get your money out
of Chase Bank if you value your money and your credit rating. I am
still in tears over this matter and sitting here with no money to use
Chase Private Client and 65K For Everyone in Your Family
However, what makes this Private Client 65,000-point offer spectacular is that this offer is immune from the infamous Chase “5/24 rule.” Recently, Chase has denied applications for many of their credit cards if applicants had opened 5+ credit cards (with any bank) in the past 24 months.
I’ve been fielding a lot of questions recently from friends and colleagues who are opening up their 1st or 2nd credit cards and are keen on travel rewards. The 5/24 rule means that I often tell them to apply for Chase cards early on.
I last held a Chase Sapphire Preferred in 2013 after a 2-year stint with the card, so it’s been a while since I’ve applied for it. I’ve always hoped to get the card again – even though it has lost benefits like the 7% annual dividend, it has gained things like Primary Car Rental coverage. Plus, who doesn’t love another Chase bonus if you could get one?
However, I also have more than 5 new accounts in the past 24 months. If a great offer comes around, I try to take advantage of it, and so I don’t foresee opening fewer than 5 new personal accounts over a 2-year period anytime soon.
I’ve heard of the Chase Private Client program, but never thought much of it. I’m currently in a graduate program and won’t be making any big bucks from my career for quite a while (in fact, I’m paying quite the big bucks to possibly make some big bucks one day, but that’s another story). While Frequent Miler’s post doesn’t provide any concrete requirements for joining the program, I’ve seen elsewhere that Chase will talk to you if you have $250,000 in various accounts with them. I’m not quite there yet ….
Recently, my mom asked me to help her with an award ticket, and I gladly obliged. I needed to transfer a few thousand points from Ultimate Rewards for her ticket, so I called her on the phone to ask for her Chase account information to make the transfer from her Ink Plus. When I got in, I noticed that her homepage looked a bit different from mine, especially up top:
I immediately recalled Frequent Miler’s post about Private Client and started grilling my poor mother about it:
mom: “What? Did you book the ticket? Can I hang up now?” (At least make some small chit-chat with me, mom, like I do with the AAdvantage agents when they’re having trouble finding Etihad space).
me: “No, wait, mom, you have Chase Private Client? How?”
mom: “Oh that. Yeah, I’ve been with [her banker] for a long time now, before that branch was even Chase. I got my loan for the business from him. You know, he got married last month!” (I then listened to her for what felt like an eternity about her banker getting married as if that’s supposed to be a clue for me).
mom: “He just signed me up for this one day and said they’d waive some of the fees for things on my account. You know they gave us a free safe deposit box, and Wells Fargo wants to charge me $50 a year, can you believe that?” (I don’t know anyone outside my mother who still uses safety deposit boxes).
me: “Um … can you ask him if you can apply for a Sapphire Preferred card? There’s supposed to be a good bonus for Private Clients and you can get almost enough for a one-way business class ticket to India from it.”
mom: “Yeah, he’s been bugging me about it for the past few months, but you told me not to get it because you said it was a waste. But he said it was a good card and I remember you made me apply for it a while back.” (4 years ago, according to my credit card spreadsheet. And I thought it was a waste because everyone in my family has applied for more than 5 cards in the past 24 months).
me: “Okay, mom, from now on, you can start listening to your banker instead of your son. Go get that bonus, it’s the best I’ve seen on the card in a very long time.”
A few days later, I got the following message(s) from my mom:
WAIT, WHAT? I could apply for a Sapphire Preferred as well? Surely, there must be some mix-up here. I had to get to the bottom of this, so I put on my thinking cap (and Googled it):
Not only do Chase Private Client benefits extend to your spouse, but they also extend to any adult members of your immediate family (as long as they are over age 18). Immediate family clearly means spouse and children, though I wonder if it includes parents of the account owner or even siblings (unfortunately, I have no way of testing this. If this post inspires anyone to try, please let us know).
Does this mean that if you have an immediate family member with Chase Private Client, you can get in on the 65,000-point non-churner-phobic Sapphire Preferred offer? Or, if you have Chase Private Client, can you multiply your Ultimate Rewards windfall by getting as many immediate family members in on the action?
But wait … the terms clearly say “Service benefits extend to adult members of your immediate family when you are joint owners on Chase Private Client deposit accounts.” I’ve never jointly opened up a Chase account with either of my parents before, so how could I do this?
On my next trip home, I made plans to go with my mother to see her Chase banker. I was helping my dad book a United award for himself and logged into his Chase account where I saw the Private Client banner as well. The thing is, he does most of his banking at another bank, where he has had a long business relationship as well. I asked him how he had that designation, whether he was a co-signer on any account my mother had … turns out, he had signed on as a co-signer on, of all things, my mom’s safety deposit box. Bingo.
Later that week, I tagged along with my mother when she went to the bank, where she added me as a co-signer to the same account. I was still wary if this would work, so I didn’t apply for the credit card then, and waited to see if my account would update to show Private Client. It took several weeks, but one day, my Chase online account looked a bit different … with the Private Client banner quite notable.
A couple weeks ago, I was home again for the long weekend, and decided to go to the Chase branch and apply for the card. I’ve had at least 7 new personal credit card accounts in the past 24 months, so I knew I wouldn’t be eligible through the public link. I applied through the banker and didn’t get an instant approval – I somewhat expected this, as my income has gone down since going back to school. He made a call to the reconsideration line for me and explained the application to the person on the phone.
I did have to answer some questions to the reconsideration line, particularly why I had opened so many accounts in the past 2 years. I remarked that I went back to school around 24 months ago and that my new area doesn’t have a Chase branch, so I made new relationships with other banks while keeping my Chase accounts open for the future. That’s actually most of the reason – there’s legitimately no Chase branch in my current state, but I might not be staying here very long so I didn’t want to close things like my checking account just yet. I was told a decision would come in the next week … I didn’t keep my hopes up.
However, a week later, a new account showed up in my Chase online management, and a few days after that, a Sapphire Preferred card came in the mail! I called to activate and confirmed the $4,000 spending in 3 months for 60,000 points offer, as well as 5,000 points for adding an authorized user!
So, there you have it – my mother’s fascination with a free safe deposit box just made me 65,000+ Ultimate Rewards points richer. More importantly, it showed that family members of Chase Private Clients can get in on the benefits.
In any case, it’s clear that all this happened because of my mother’s banking relationship with Chase, as she didn’t have to tick off a set of boxes to join Private Client, rather she just had a good working relationship with her banker. It’s kind of a good lesson, in that as much as we love to take advantage of banks, having a good relationship with a bank can get you far as well. After all, there’s only so many banks to take advantage of.
Use This Trick to Get Your Chase Account Number Before Your Card Arrives
08 JuneВ 2017 Update: It’s alive! В Though you’re no longer able to see your account number via Chase’s main website, you can see your account number in the Secure Message Center of Chase’s app. В Get the details below!
It usually takes a week or so for a newly approved credit cardВ toВ arrive to your mailbox or front door. В In most cases that’s not a problem – you can simply use a card you already have while you wait for the new card.
There are some cases though where that’s not optimal. В One common situation – you’re looking to meet a minimum spending requirement and you have a time-sensitive purchase.
Consider this example: You get approved for a new card on Monday and you’re looking to buyВ Bose noise-cancelling headphonesВ from Amazon.comВ before you leave forВ a trip on Saturday. В If you order the item on Wednesday with Prime shipping it will likely arrive before you depart. В But your new card hasn’t arrived yet. В If only you had your new card account number now so that the significant purchase couldВ count toward your minimum spending requirement…
Well, if your new card is issued by Chase there’s a trick to get the account number while the card is in transit to you.
Now, you may beВ thinking, “Who needs a trick for this….just call Chase and ask for the account number.” В That’s logical. The problem is that Chase reps won’t give you the account number over the phone.
Here’s the three-step trick to getting your Chase account number while the physical card is in transit to you. В It’sВ easy as pie!
1.В Get the Last Four Digits of Card from Chase Site
Log onto the Chase credit card site at Chase.com.
Scroll through the list of your accounts until you find the new one (likely at bottom of list).
Note or jot down the last four digits of that account.
Once your new Chase card is approved the account will show up on the Chase account portal. The last four digits of your new account are shown in the heading of the card overview.
2. Send A Note or Question Through the Secure MessageВ Center
Scroll all the way back up to the top of the page. В On the upper right part of the screen you should see a link for Secure Message Center. В Click that link.
That will bring up a two-item list. В Click the second item:В Send new message
Under My Personal Accounts (or My Business Accounts if you’re dealing with a business credit card), click theВ Select Topic drop-down menu next toВ Credit Card.
Within the Secure Message Center, select a topic for your inquiry and then click Go. В If your new card is a personal credit card use the My Personal AccountsВ section and if it’s a business credit card use the My Business AccountsВ section.
You can choose any inquiry typeВ you’d like. В I selectedВ Other/Inquiry Not Listed. В Once you’ve made your selection, click theВ Go button.
That will bring you to the screen on which you enter your message.
Click the drop-down menu forВ Account NumberВ and select the line with the last four digits that match those of your new card (noted in step 1 of this post).
Type your note or question in the text box labeledВ Message: and then clickВ Send.
Select the entry in the drop-down menu which corresponds to your new card and then enter your note or question into the Message box.
3.В View Your Message inВ Sent Items In the Chase App to See Account Number
Once you’ve sent your message off, simply head to the Chase app on your smartphone. В Go to the Secure Message Center. В Tap the folder icon. В Select theВ Sent MessagesВ folder. В Then tap the line for the message you just sent.
That will bring up a copy of the sent message. В The key point here is that your full account number will be displayed on this screen! В The image below shows the progression of screens to work through on theВ app.
Once I followed this 3-step process and got my new account number (while my Sapphire Reserve card was in transit to me) I verified it works.
I went to Amazon.com and added this card to the list of (a couple dozen) cards. В Then I reloaded my gift card balance with $1. В That’s why you see my available credit is one dollar less than my credit line in the image shown in step one.
For the expiration date for the card I simply added four years to the month of approval. В Since my card was approved in August 2016 I used an expiration date of August 2020. В That worked! В Update: I received my card and it actually has 2019 as the expiration year. В Update 12 January 2017: Wallet Boy commented below that Chase is sending cards out with expiration date 5 years in the future (i.e. a card obtained in January 2017 will have expiration date of January 2022). В
Note that I didn’t make a larger reload purchase with myВ Sapphire ReserveВ because I’m getting 5% cash back at Amazon.com with my Discover It card for the rest of 2016! В You can apply for that card, and get that deal, here.
If you’re looking to use the card on a site or a phone ordering system that requires the card verification valueВ (CVV) – the three or four digit code on the card – unfortunately you’re out of luck until the physical card arrives.
Note that there are some instances in which you can change payment type after an order is placed. В That could be a “last resort” approach if the CVV is required and youВ must place your order before the physical card is in hand.
Will this trick come in handy for you? В Share your thoughts, and any similar tricks, in the comments below!
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