Anyone Else Locked Out of Chase Online Account?


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I’ve becoming frustrated with Chase lately, when I’ve tried to access my online account. For the past several weeks when I’ve tried to login, I get an error that my User ID and password are Inactive.

I have to call up Chase who verifies some information and then when will reset my account and I’m able to log-in again, but this has been happening several times to me, and don’t really know what to do.

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When I call, the agent says it’s due to security, but it seems like something else must be going on if my account is becoming inactive so much.

Has anyone else experienced their accounts becoming inactive with Chase? I’d be interested to hear if others are also having this problem.

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Comments

  1. Is your username fairly easy or common? Change it to something a bit more weird (perhaps add numbers on the end). It’s possible that someone with a similar user name accidentally keys yours in, and repeatedly fails to log in, thus locking up your account.

  2. I’ve had the same thing happen to me 3 times in the last few weeks. I have a co-worker who had the same thing happen to him the same day it happened to me. My user ID is pretty tough so not sure what is going on. It didn’t seem like the phone reps have any clue what’s happening.

  3. This exact thing happened to me few times… almost caused few heart beats to skip as I feared they shut down my account.

    anyway, in my case, after several repeat deactivations, an agent discovered that an old closed card was still linked with my ID and it was causing conflicts, after it was removed, no more repeat deactivation of online account.

  4. Yes, I had this problem several times. Like you said, I have to call Chase to reset my account. But the bad thing is one of my Chase Ink cards linked to this online account has been identified “FRAUD USE” for at least THREE times. Sometime I received text message sometimes not, I have to call Chase again to cancel my card and request them to sent a new card. Don’t know what’s going on with Chase but I think I will change or even delete this online account to register a new account after I receive new card.

  5. Happens to my account all the time. Has happened to my wife’s account maybe once.

    They always tell me that my account has been “inactive” even though we may have just logged in a day or so before.

  6. This has happened to me in the past. I think it occurs after a security upgrade and who knows if there has been a breech. It usually goes away after a few log ins, but if you’re not logging on regularly, this could be your problem. If I change browsers I always get this screen.

  7. We had this problem occur frequently on one of my husband’s login accounts. Eventually Chase told us the problem was occurring because it was a business card login but we no longer had any business cards attached to the account (only personal cards). They ended up moving all of his cards to his other login name and never had the problem sense. The worst part each time was their “security” question to unlock the account: which bank account was used for the last payment? We were using Bluebird bill pay at the time and they continuously rejected our answers. Still don’t know the correct answer!

  8. I had this exact problem and it turned out when I changed by Chase password, I forgot to update other apps that use that login as well. If you’re using similar services like Mint or Credit Karma, I would update the Chase login credentials there as well since they will continue to use the old password and lock you out.

  9. This started happening to me in January ’17 and it still is not resolved. I’ll change the password and a few days later my account will be locked even though I hadn’t attempted to log back in. I use a password manager so I know the new random password is stored correctly. I’ve contacted them about it but I get the same run-around from their IT every time. Useless suggestions like flush browser cache… as if. As you can tell form this thread, this is a very common issue with their system. I’m almost institutionalized to it at this point. They don’t know what’s going on and it’ll never be resolved.

  10. Yes, this happens all the time. I assumed it was early 42-year-old onset dementia and was feeling pretty paranoid each month when I tried to log on to pay the bill. Every time I try to log on, I get that same stupid alert. I have to verify my social security. I have to enter the credit card number. And then I have to change the stupid password every single time. And stupid me does it every time. Last month’s me decided to “journalize” the experience. I actually documented all of the steps I went through and the exact pin I changed it to. Guess what? The me-from-last-month was right. It was saying my password was incorrect every time! So, good news! No early onset dementia for me! It’s infuriating. It wouldn’t even allow me to set up monthly payments. Are they trying to make it difficult to pay the bill? Hmm…they make money when you don’t pay on time, right?? They DO realize that most people work and are very busy and after a few minutes of sheer frustration, those of us with small, cranky children, a full-time job and a spouse with ADHD absolutely have to wait until the house is quiet to pay the bills?? AND they realize that the people in THAT category are so tired when they log onto Chase.com and realize the password is screwy that we’ll throw the computer and say f–k it and go to bed?? Yep, they are collecting hefty fines each month. Screw that. I just made recurring payments through my bank. Go suck on it, Chase.

  11. I don’t know if it’s the same but a few years ago I was travelling between Canada and the states and I had president’s choice online banking setup so I could check stuff when my mom was unreachable only people with knowledge of my information was those I trusted and my password was saved every two weeks it seemed maybe sooner I could not access my online for love or money. I would call up my mom just livid asking her what did you do to my password(we have a joint account) and she would respond nothing bud I can’t touch your password or your settings. I didn’t even get texts or account or account any alerts to my account being messed with. I think it’s something overseas or someone I don’t care how bad that sounds but given everything.. tellers and account managers in the states and canada would probably not want to responding 28k plus a year just for giggles. since those incidents I’m beyond reluctant to even bother with online banking. one day mom and I were getting me my umpteenth replacement debit the lady asked if I wanted to set up the online banking again and mom was in one of her things where no was going to be a public screaming match yes I won. when we setup the cibc account i still refused to setup online I no longer trust that my password will remain the same and I’ll have account access to my online banking when I want it. I’d rather invest in a volatile market then reset online banking

  12. I see this is an old thread but the issue is still very much happening!!! It started in January for me and every time I log in whether its on my phone or lap top, it says I am locked out and prompts me to change my password. It is super annoying and is really causing some anxiety as I do not know if my account is safe. I have contacted them and they tell me the same as all the other comments above. I have had Chase for 20 yrs but have seriously started to consider going else where. 🙁

  13. Same has been happening to me for a straight year now. So frustrating. I’ve been told “only log in from a desktop”, to which I reply “same thing happens when logging in on my desktop” also, what about people who don’t own a desktop? I’ve been told “don’t ever clear your cookies, it’s doing it for security”. I’ve been told “oh I’ve heard about this, you have to use google chrome as your browser” nope, that doesn’t work either. I’ve had another lady say she had no idea what I was talking about and had no idea how to fix it and then said “what’s the problem anyways because payments by phone are free”. Another lady who wouldn’t even talk to me about it because my husband was deployed, even though I’m an authorized user on the account. I’m just trying to pay a bill! I’d like to keep the account for earning rewards but the hassle is making it not worth it at this point. I’m glad I found this thread so I atleast know I’m not the only one going crazy over this!

  14. The same thing happens to me. I have to change my password about every other time I log in. It just is not worth putting up with this frustration, so I am moving my checking to another bank.

  15. Has anyone found a solution to this? Ditto on the above “lockout” of my chase account from both iphone app and PC (chrome and IE). We’re on our 5th lock out in the last month and resetting the password is NOT the correct solution, Chase.

  16. This has been happening to me the last month or two. I get to reset it and use it but then next time it’s locked. Normally log in a few times a month thru the app only with a password manager that will fill in the info for me.

    The tech support person I spoke with this morning said that it was because my user ID didn’t include a number in it. Apparently, it’s been a requirement for several years??!! Seems wrong, as I’ve been an online banking customer with the exact same account for 15+ years.

    Their requirements do list that your ID be alphanumeric, and passwords have this really long list of asinine requirements, and the only reason I say that because it’s like 14 lines of what is and isn’t allowed.

    Anyways, hopefully the info about the ID helps someone. I’ll see if it fixes it for me for a week or two. 🙂

  17. This has been happening to me for several months. I logon to my account at least once a day,
    sometimes more. I haven’t confirmed it with Chase, but I think that they have changed the
    Security settings so that after so many logons, a really low number like maybe 5, the force you
    to change your password. Very annoying, especially when I’m logging with my phone app.
    I wish they would change it to something like every 30 days.

  18. It’s been happening to me at least once a month since December 2016. My account is not inactive, but it’s locked and I’m required to create a new password. Just had to do this yesterday, just about a month after the same issue occurred. Awaiting to see what will happen a month from now and if it does I just may create a new user ID

  19. This happens to me every time I try to log on from chrome/mac. After I enter my password the very first time (the correct one!), I am asked to reset my password…it resets with no problem, then the next time I log on, the same thing happens.

  20. Try adding numbers to your user name. I didn’t that last week and after months of having the same issue it has now gone away (hopefully).

  21. OMG! Every damn month – I’ve had it – I’m closing the account – they are idiots!

  22. My husband has experienced this issue repeatedly for months. I have not–until now. What a major pain. He has spent hours on the phone with “customer service” without getting any real answers or help

  23. Change your password once more then add a number (I added four numbers) to your username. No problems here for the last week.

  24. Same problem, same anxiety, had the account forever. Have numbers in my username, adding more. Thanks for the suggestions.

  25. I’m glad (not really) I’m not the only one experiencing this. It started for me in March, every 2-3 days I have to reset it. Very annoying when you’re out and about and need to check your accounts.

  26. This has happened to me countless times. I’m a programmer, so by nature I pay very close attention to login info. I have been charged late fees multiple times because I simply could not find the time to call in and pay over the phone. It has affected my credit rating! I sense a class action lawsuit in the future. Regardless, closing this POS account once and for all.

  27. I have two accounts with Chase – one business, one personal. I was required to reset my password constantly on the personal account, never on the business one. After googling and finding this thread, I added numbers to my user name for the account where I kept having to reset the password. This seems to have solved the problem, at least so far… Fingers crossed! The business account is newer, so I think I was required to include numerals as part of the user name when I created it. Thank you to everyone who suggested this – too bad Chase isn’t included on that list!

    So for anyone who is having this problem, it’s worth it to give changing your user name a try, and definitely add some digits to it. Good luck!

  28. Happening to me as well. I save my password in a spreadsheet as soon as I change it. A few weeks later when I log in, it doesn’t work – this happens over and over.

  29. Many problems trying to reset my checking account password, as I was locked out recently. When I fill out all the information and put in my account number there is a box that says NEXT, well this NEXT does not work. I have tried numerous times to reset it but to no avail. I may just decide to bank elsewhere, as I would like to view my account statement and also pay bills. Their website is very bad. Somebody better take care of this problem, and soon!

  30. Long story short, update your Username and follow their security instructions for doing so – it now has to be a certain length and be a combination of letters and numbers. (At some point, Chase required customers to do this however I don’t recall getting this notification.) My former ID used to be all letters and that’s when I was experiencing the problem. When I changed it to a combination of letters and numbers like Silla did, I haven’t had the issue since. I did this about 4 months ago and log into my account several times a week, so I’m convinced the issue is fixed.

  31. Anyone every consider that the IT Security folks are intentionally causing these problems so as to guarantee their continued employment?

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