Identified Scam:

Real Chase Fraud Text Alert or Scam Message?

If you receive a text message from Chase Bank, don't click on any links or call the phone number listed—it could be a scam designed to steal your information and money.


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Updated 6 September 2022
Real Chase Fraud Text Alert or Scam Message?
Identified Scam:
Key Finding

Fake Chase text messages are being sent to steal your personal and bank information.


Key Risk

You risk having your identity and money stolen. 

Sections on this page
  1. Genuine Chase Text Messages
  2. Fake Chase Text Messages - Red Flags
  3. Delete Chase Fraud Text Messages
  4. Keep Your Information to Yourself
  5. Report Fraudulent Text Messages
  6. What to Do If You Fall for a Fake Chase Text Message
  7. Frequently Asked Questions

Chase fraud text alerts are real—when Chase recognizes suspicious activity on your account, you'll get a text notification, and you'll need to confirm whether the transaction was legitimate or not. You'll also get text alerts with two-factor authentication codes. 

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However, there are plenty of texts circulating that claim they're from Chase but are, in fact, attempts by scammers to get your login or card/account information. We help you identify which texts are authentic and which ones you should delete immediately. 

Scam Messages Can Be Sent via Email Too

Scammers don't just send fraud text messages—they'll also send fake Chase emails to you. So if you're ever unsure whether a text or email is legit, don't click on any links or call the phone numbers given. 

Genuine Chase Text Messages

There are a few reasons why Chase will send you text messages, including:

Real Chase Text Message - Account Fraud Alert

Real Chase fraud alert text message.
When Chase recognizes fraudulent activity on your account, you'll receive a text message where you can confirm whether or not you made the purchase.

Real Chase Text Message - 2FA Code

Chase two-factor authentication text message.
Example of a genuine Chase 2FA text message.

These text messages won't ever ask you to:

  • Visit a non-Chase.com website
  • Call a phone number that isn't the official Chase phone number
  • Send your personal or account information

If you ever receive a text alert from Chase, don't call the phone number or follow the link in the text. Instead, log into your Chase account directly from the website or app or call Chase from their official phone number.

Contact Details

Chase



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Verified Contact Details

It's important to verify links and contact details to beat imposters.

Fake Chase Text Messages - Red Flags

Some key signs of fake Chase text messages should alert you to fraud immediately. These include:

  • Threatening language, such as threats to suspend your account
  • A request for personal information
  • A link to a non-Chase website
  • A request to confirm or update your account information

Fake Chase fraud text alert.
Some fake Chase text messages will warn you that your card has been locked. If you call the fake number, you'll be connected with a scammer pretending to be a Chase representative who will ask for your account information.

Example Scam Text Message

Notice- 960536 from:Chase-Bank. Code: Your Card  is temporary. locked.  Please call us now at 201-416-7037 to unlock.

Example of fake Chase fraud text message.
In this example of a fake Chase text message, there is a typo and URL that isn't an official Chase website.

Example Scam Text Message

C H A S E[Login-Attempt]: Your Account Placed On Hold due to Invalid Sing-in attempt. Kindly verify your identity at https://cutt.ly/aQICpxv

Example of fake Chase fraud text message.
Some fake Chase texts will tell you to follow a link to verify your account or confirm your information. DO NOT CLICK THIS LINK. You will be taken to a phishing website designed to steal your information.

Example Scam Text Message

CHASE ALERT-Verify Your Chase Account- https://chaseoonlines.s3.amazonaws.com/tedmSb.html?Hked4d

Delete Chase Fraud Text Messages

If you receive a text message and aren't sure if it's a legitimate Chase message, the best thing to do is log into your Chase account via the website or app directly. Don't follow any links in the text or call the phone number listed

You can also call Chase directly:

  • Checking and savings: 1-800-935-9935
  • Personal credit card: 1-800-432-3117
  • Chase Sapphire: 1-888-262-4273

If you don't see any messages or alerts from Chase within your account, you can be sure the text message was fake and a ploy to steal your information, identity, and money. 

Keep Your Information to Yourself

Chase will never ask you to provide your personal information via email or text message. Don't respond to any text messages or give your information to anyone over the phone if you can't verify they are indeed a Chase representative. This includes your:

  • Bank account information
  • Credit card or debit card number
  • Social Security number

If you visit a Chase website to log into your account, always check the URL before entering your username and password—scammers can set up fake phishing sites that look like the real deal. 

Real Chase website.
Always check the URL of the Chase website before entering your login information. Chase.com is the genuine home page.

Scammers will set up similar-looking websites to trick you into thinking you're logging into the genuine website. However, they won't be able to use the same URL as the actual Chase.com website, so this is the first thing you should check. 

In addition, if you notice any obvious typos or grammatical errors, you're likely on a fake website. 

Fake Chase website.
The genuine Chase home page is Chase.com. Always check the URL before entering your username and password.

Report Fraudulent Text Messages

If you receive a fake Chase text message, you can report it to Chase by calling Chase directly:

  • Checking and savings: 1-800-935-9935
  • Chase Sapphire: 1-888-262-4273
  • Personal credit cards: 1-800-955-9060

You can also report phishing emails by forwarding them to [email protected].

 

Block Fake Chase Texts

Block scam and spam texts within your messaging app or by using a third-party app. This will help minimize your chances of falling for a scam.

 

What to Do If You Fall for a Fake Chase Text Message

If you realize too late that a text message you received was a scam, you may have already responded and given the scammer your information. You must act as quickly as possible to minimize how much damage is caused. 

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Follow these steps: 

  • Call Chase and report the fraud. Chase may cancel your cards and issue you new ones depending on the information you gave the scammer. 
  • Monitor your Chase account/s closely. Continue to monitor your accounts for the next few months and report any suspicious transactions to Chase.
  • Report the scam to the credit bureaus. This is important if you gave your Social Security number to the scammer. You may wish to freeze your credit or place a fraud alert
  • Invest in identity fraud protection. Consider purchasing an identity theft protection plan if you're worried about identity fraud (which can take years to recover from). 

Frequently Asked Questions

Does Chase send text messages?

Yes, Chase does send text messages if you've signed up for these alerts. These can include fraud texts that alert you to suspicious activity, two-factor authentication codes, and texts to confirm whether or not you just made a transaction. 

Why shouldn't I call the phone number sent to me via text?

Scammers will put fake Chase phone numbers in the text message to get you to call them and give them your information. When you call the number, the scammer will pretend to be a Chase representative and ask for information such as your bank account number, credit card number, and Social Security number. 

What are some key signs of a fake Chase text message?

You can immediately tell if a Chase text message is fake if:

  • Threatening language is used (e.g., it warns that your account will be closed/suspended if you don't respond immediately)
  • It includes a link to a URL that isn't Chase.com
  • It asks you to respond with personal or banking information
  • The phone number isn't a legitimate Chase phone number

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