Report to Chase

• Unauthorized charges and transfers on Chase accounts
• Debit and credit card fraud, including a card used after it was lost
• Emails, texts and calls impersonating Chase
• Zelle payments sent from a Chase account
• Account takeover: passwords, phone numbers or addresses changed without you

1. 1

   Call the fraud line for that account

   Personal checking, savings or debit: 1-800-935-9935, option 8. That line runs Mon to Fri 8am to midnight ET and Sat to Sun 9am to 6pm ET, or 1-713-262-3300 from outside the US. Personal credit card: 1-800-955-9060, option 2. Business checking or savings: 1-866-564-2262. Business credit card: 1-800-704-0285.

2. 2

   Or flag the transaction in the Chase app

   For a charge you do not recognise, open the transaction in the Chase Mobile app and choose "What doesn't look right". That starts a dispute without waiting on hold. Use the phone line instead if the whole account looks compromised.

3. 3

   Forward the phishing message

   Forward a suspicious Chase-branded email to phishing@chase.com, then delete it. Chase asks you to forward the message rather than reply to it. That address is not a way to report money already lost.

4. 4

   File with the FTC and IC3 as well

   Chase itself directs customers to the US Federal Trade Commission and the FBI's Internet Crime Complaint Center afterwards. The bank handles your money. Those two build the case against the scammer.

• The last four digits of the account or card
• The date, amount and merchant or recipient of each transaction
• The original message, forwarded rather than screenshotted where possible
• Any phone number you were called from or told to call

Chase opens a claim on the call, and usually issues a new card number where a card is involved. Disputed card charges are normally credited provisionally while the claim is investigated. A transfer you authorised yourself, such as a Zelle payment to a scammer, is a harder case. Chase makes no guarantee of recovery on those.