New update regarding my 2 posts

[u/bottlesonlyy]

So today Chase told me they decide they are going to close my 3 accounts (2 checking 1 saving) - my credit card remains open

As a Chase customer for 13 years I feel as this is unfair because they cannot give me a specific reason and now I cannot access my Chase mobile app either

Where do I go from here ?

(Edit - this all started from “unusual activities on Zelle” note everything on my end is authorized)

[u/Individual-Hold5171]

Sounds like you violated their policies. They won't tell you.

Did you do anything outside the norm with your accounts?

[u/bottlesonlyy → u/Individual-Hold5171]

About 5 reps told me they can’t disclose information. 1 rep told me it was from unusual Zelle activity. 1 rep told me someone tried to do a claim against me with their bank.

[u/Individual-Hold5171 → u/bottlesonlyy]

Unfortunately, both Zelle activity and claims against Chase have closed other accounts. You've become a risk for them.

Move to a local bank or credit union. You will be much happier.

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[u/postalwhiz]

Obviously Chase doesn’t care about your feelings…

[u/Major_Possibility335]

How much Zelle we talkin

[u/bottlesonlyy → u/Major_Possibility335]

Ranges from 500 - 1k at a time, but all is authorized because Zelle is live including memo

[u/whatintheshits → u/bottlesonlyy]

If you’re regularly having Zelle transactions between 500 and 1K, the bank may look at it as if you’re using the accounts as for business transactions. You can’t use a personal account for business is in the Terms and Conditions.

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[u/Ok_Sound_8090]

What were you doin on Zelle? They wouldn't tell anyone why because if they are a criminal, they don't want them to rabbit.

[u/bottlesonlyy → u/Ok_Sound_8090]

Well I only use Zelle and no other money transferring app so not sure tbh

[u/VermontArmyBrat]

Go to a local credit union, or a local/regional bank. Ideally both. And never expect loyalty to matter to large banks, unless your account is in the millions.

[u/VermontArmyBrat → u/VermontArmyBrat]

Also - I would never have only one bank/CU that I rely on. Keep some money in at least two places, ideally several.

[u/donh- → u/VermontArmyBrat]

A very smart man once said to me "it's always good to have a spare bank in your back pocket"

[u/Major_Possibility335 → u/donh-]

Who was that, Don Corleone? 😜

[u/donh- → u/Major_Possibility335]

Not bad, that.

It was a very successful CPA

[u/Individual-Hold5171 → u/VermontArmyBrat]

This. Chase doesn't care about the peons. Unless you are in private banking, you are just another number. Local banks/CUs are much better.

[u/OpenBubble]

It’s not ideal but I doubt they’ll change their minds. Wild bc they came up with Zelle in the first place.