I also think some nationals may see it as you were not initiated as a member of XYZ. Period. As far as they are concerned, you have no ties to their fraternity/sorority because your "chapter" has no ties (anymore) to XYZ.
Operating an underground chapter is undoubtedly looked down upon. And whether or not you knew that the chapter has lost it's charter I'm sure can be overlooked. If the chapter has no ties to a national organization... why would that organization be any more inclined to offer that person AI than some random person on the street?
Where a person participating in an underground chapter (notice that I do not use the word member) sees themself as an XYZ because they think that they already are, I have a feeling nationals would not be so understanding...
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