"Chase fraud department called me": how to tell if it's a scam
Quick answer
A caller who says they're Chase's fraud department and asks you to move money, share a code or give remote access is a scammer. Caller ID can be faked. Hang up and call the number on the back of your card.
- Comes by
- Phone call, Text
- Pretends to be
- Chase
- Last updated
How it works
Scammers pretend to be Chase's fraud department. Chase is the company being impersonated, not the one behind the call.
The call usually starts with a warning: someone tried to use your card or log in to your account. The caller may know your name or the last digits of your card. They say your money is at risk and you need to act now.
Then the ask. Chase says it will never ask you to send money to yourself or anyone else to fix a fraud problem, yet scam calls push wire transfers, Zelle, gift cards or crypto to "protect" your funds. Others ask for the one-time code texted to you, or for remote access to your device. Chase warns that caller ID can show Chase even when the call isn't from Chase.
Red flags
- An unexpected call about "fraud" on your account that pushes you to act now
- A request to move money to a "safe account" or send a payment
- Asking for the one-time code sent to your phone
- Asking you to install an app or give remote access to your device
- Caller ID that shows Chase: it can be faked
- Telling you not to hang up or not to call the bank yourself
Example message
This is the Chase fraud department. We've seen a suspicious charge on your card. To stop it we need to verify you: please read back the code we just texted. You may also need to move your funds to a secure account today. Call back at [phone number] if we get cut off.
What to do
- 1
Hang up
You don't need to finish the call or be polite. Hanging up is safe.
- 2
Call Chase back on a number you trust
Use the number on the back of your card or your statement, or the Chase app. Don't use a number the caller gave you and don't redial the incoming call.
- 3
If you sent money, call Chase right away
Say it was fraud and ask whether the payment can be recalled. Speed matters.
- 4
If you shared a code or password, secure the account
Change your Chase password, check for new devices and payees, and turn on alerts.
- 5
If they had remote access, remove it
Uninstall the app they had you install, run a security scan and change passwords from a different device. Our guide on what to do after a data breach covers the steps.
Report it
Check if your details are exposed with Serus
Scammers find your number and address on data brokers and people-search sites. Serus removes them.
Why you got it
Scammers often know your name and card details before they call, which makes the call feel real. They get contact details from people-search sites and breach data. Serus finds the data brokers that list you and removes your listings, and alerts you when your details show up in a breach, so fewer scammers can build a convincing story.
More Chase scams
Frequently asked
Does Chase call about fraud?
It can contact customers, but Chase says to verify by hanging up and calling the number on your card. It says it will never ask you to send money to resolve a fraud issue.
The caller ID said Chase. Is it real?
Not necessarily. Chase warns caller ID can say Chase even when the call isn't from Chase.
Should I give the caller the code they texted me?
No. A code sent to you is for you only.
I already sent money. What now?
Call Chase on the number from your card straight away and report it to the FTC and IC3.
Sources
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