Chase scams
Last updated September 18, 2026
The short answer
Chase scams involve fake fraud alert texts, phishing emails about account lockouts, and calls from spoofed Chase phone numbers. Scammers trick you into sharing verification codes or moving money to a "safe" account. Chase will never ask you to transfer money to protect it, share your full password, or provide one-time passcodes over the phone.
As the largest bank in the United States, Chase is a top target for impersonation scams. Scammers send millions of fake fraud alert texts and phishing emails designed to look identical to real Chase communications. These scams have become increasingly sophisticated, with callers who know personal details about you.
How Chase scams work
- 1
Fake fraud alert triggers a call
You receive a text saying a suspicious purchase was attempted on your Chase account. Moments later, you get a call from what appears to be Chase's fraud department number. The caller references the text to build trust.
- 2
Verification code theft
The scammer says they need to "verify your identity" and asks you to read a code that was just texted to you. This code actually gives the scammer access to your Chase online account or authorizes a transaction.
- 3
"Safe account" wire transfer
The caller claims your account has been compromised and you need to move your money to a "secure account" for safekeeping. They walk you through a wire transfer to an account controlled by the scammer.
Warning signs
- A text says a suspicious charge was made on your Chase account and asks you to reply or call a number
- A caller from "Chase" asks for your online banking password or security code
- Someone tells you to move money to a "safe" or "secure" account
- You're asked to share a one-time verification code sent to your phone
- An email about your Chase account has urgent language and a link to click
- The caller tells you not to go to a Chase branch because it "takes too long"
Examples
Spoofed Chase fraud call with wire transfer
A text says $3,400 was charged to your Chase card at an electronics store. You reply NO. A caller from Chase's number says your account is compromised and they're "securing your funds." They walk you through a wire transfer to a "Chase security account" that's actually the scammer's account.
Chase account locked phishing email
An email says your Chase account has been restricted due to multiple failed login attempts. It includes a "Verify Now" button. The button leads to a near-perfect replica of chase.com that captures your username, password, and security question answers.
What to do
- Call Chase directly at 1-800-935-9935 by dialing the number yourself. Never use a number from a text or email.
- Never share one-time passcodes, PINs, or passwords with anyone who calls you.
- If you were tricked into a wire transfer, call Chase immediately. Wires can sometimes be recalled within the first 24 hours.
- Change your Chase online banking password and enable account alerts for all transactions.
- Visit a Chase branch in person if you're unsure whether your account has been compromised.
Report it to Chase
Forward phishing to phishing@chase.com and call the number on the back of your card.
Getting your money back
If you wired money to a scammer, call Chase immediately at 1-800-935-9935. Wire transfers can sometimes be recalled if reported within 24 hours. For unauthorized transactions, Chase must investigate under Regulation E. File a CFPB complaint if your claim is denied. For identity theft, request a copy of the fraudulent transaction records.
Frequently asked questions
Does Chase send fraud alert texts?
Yes, Chase does send legitimate fraud alerts by text. However, real Chase texts will never ask for your password, account number, or verification codes. They may ask you to reply YES or NO to confirm a specific transaction. When in doubt, call the number on the back of your card.
Will Chase ever ask me to move money to protect it?
No. Chase will never ask you to transfer money, wire funds, or send Zelle payments to a "secure" or "safe" account. If someone asks you to do this, it's a scam, no matter how legitimate they sound.
How quickly do I need to report fraud to Chase?
Report unauthorized transactions as soon as possible. Under Regulation E, you have the strongest protections if you report within 2 business days. You have up to 60 days for most electronic transfers, but waiting reduces your protection. Call 1-800-935-9935 immediately.
Other companies scammers impersonate
Scams reuse their scripts across brands. If you were contacted about Chase, these are the guides worth reading next.