Chase Bank alert text scams and call fraud: How to spot & avoid them (2024)

October 19, 2023

Scam texts and spam calls remain problematic in the US, robbing Americans of tens of billions of dollars each year. Consumer reports of text messages posing as banks have increased by a factor of 20 since 2019, with Chase Bank ranking third (12%), ahead of Citibank (9%) in fourth. As a leading financial institution and a trusted brand, Chase has become a popular disguise for call and text scams that leave people with psychological trauma, financial distress, and even stolen identities.

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It’s critical to understand how Chase Bank alert text scams and call fraud can hurt you, what you can do to protect yourself, and who to contact if you become a victim. Keep reading to learn how to spot and avoid Chase text scams and secure your privacy.

What is a Chase Bank scam and how does it work?

A Chase Bank scam occurs when a scammer impersonates Chase Bank and tries to elicit someone’s personal or account information, generally via phone call, text message, or email. This type of scam is extremely dangerous because scammers can gain direct access to people’s finances. Scammers may also use victims’ login credentials to hack into their other accounts, or they may sell stolen information on the dark web.

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Although the details may vary, here’s a basic overview of how these types of bank scams work:

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The scammer poses as a Chase Bank representative and calls or texts a target
The call or text alerts the target to a fake transaction or claims there’s a problem with their account
The scammer requests account information, often directing the target to follow a link to a spoofed website that looks like a legitimate Chase site

The smishing link may also download malware onto the target’s device

Any information entered on the spoofed website goes directly to the scammer
The scammer gains access to the victim’s Chase accounts, where they can initiate transfers or open new lines of credit

Why am I getting these Chase Bank text messages or calls?

Everyone is a potential target for Chase Bank scams — even those who aren’t Chase Bank customers. Scammers often send out mass text messages or robocalls, knowing some of them will reach viable targets. Other scammers scour the Internet for potential victims, however, so refrain from sharing your phone number or email address online.

How does the real Chase Bank contact customers?

Identifying a Chase Bank scam can be tricky because there are occasions in which Chase Bank does call, text, or email customers. Chase may reach out using one of these channels if they notice suspicious activity in your account, which is also a common scam. That’s why it helps to know how and when you might receive a legitimate text from Chase.

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Chase Bank texts customers from several short codes, or five- to six-digit phone numbers like the ones below:

How to tell real Chase messages from fakes

While some banks refrain from contacting their clientele by phone call or text message, Chase Bank does use these methods to reach out to customers. This makes it crucial to understand how to tell the difference between real and fake Chase communications.

If you’re ever in doubt about the legitimacy of a message that claims to be from Chase, log in to your Chase account online or through the app. If there’s an issue with your account, you’ll see an alert there.

A text message claiming to be from Chase may be legitimate if:

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There has been suspicious activity in your account
You requested a two-factor authentication (2FA) code
You initiated a transaction
You’ve signed up for Chase mobile alerts

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Chase scam texts, on the other hand, may include the following red flags:

What are the consequences of falling for it?

Falling for a Chase Bank scam can have devastating consequences. When successful, scammers may get away with sensitive information like your:

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Bank account details
Credit card and debit card information
Social Security number
Email addresses
Phone numbers
Login credentials (usernames and passwords)

Types of Chase Bank scam text messages

From delivery scams posing as UPS or FedEx to financial phone scams disguised as Venmo alerts, phone fraud wears many masks. By recognizing popular Chase Bank alert text scams before you experience them, you have a better chance of protecting your family’s financial stability.

Payment confirmation scams

One popular text scam poses as an automated message confirming a recent transaction. The message prompts you to reply “yes” or “no” if you did or didn’t make the purchase. Once you respond “no” (since there was no purchase), you’ll be told to click a phishing link or call a fake phone number to supposedly get a new card. The link goes to a fake website, the phone number connects to a fake Chase representative, and your private data is given to criminals.

Account verification scams

Another common text scam claims Chase must verify your account because of too many sign-in attempts, activity from unrecognized devices, or other phony issues. The text message prompts you to follow a link or respond with your login information to reset your password and secure your account. Of course, any information you enter is given to the scammers.

Account suspension

Like other banks, Chase may temporarily suspend accounts when they notice suspicious activity. Some text scams claim this has already happened, including the usual link to allegedly reactivate and secure the account. Using fake websites, scammers may ask for private and sensitive information like your Chase account details or Social Security number. Call Chase Bank at the number on the back of your card if you receive texts like these.

Types of Chase Bank scam calls

You might encounter Chase Bank scams in the form of phone calls. Keep the above principles in mind and watch out for modern scamming tools like caller ID spoofing and robocalls.

Spoof calls for wire transfers

Using caller ID spoofing to mimic a legitimate Chase number and posing as a Chase Bank representative, a scammer will attempt to scare you with claims of a wire transfer that didn’t really happen. They pretend to suspect it’s fraud, encouraging you to transfer your money to a new account to keep it safe. Only once you transfer your money into the scammer’s account has the fraud occurred.

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Chase will reach out if they see suspicious activity, but they’ll never have you transfer your money to a “safe” account.

Fake fraud alerts with robocalls

Some Chase Bank scams use robocall technology to send people prerecorded messages alerting them to a fake security issue. They may say your account is suspended due to potential fraud and instruct you to press a button to be connected with Chase’s fraud or security department. Pressing the button will connect you to a scammer, who will ask you for private account details they can use to access your funds.

Chase Bank scam survival guide: Dos and don’ts

Chase Bank scams can have serious consequences, but there are ways to survive a scam attempt and keep your bank account and identity intact. Review our survival guide for five quick dos and don’ts.

Dos	Don’ts
Make it difficult for scammers to find your personal or contact information online	Add your phone number, email address, or other identifying information to social media profiles
Think before you react to suspicious or unexpected messages	Click the links in texts or emails from unknown senders
Verify you’re actually communicating with Chase or a Chase representative	Give away information or wire money before confirming the recipient’s identity
Notify your financial institutions and local law enforcement if you’ve fallen for a scam	Wait to alert the authorities about a suspicious call or text message
Use a third-party spam blocker like Robokiller	Assume it’s really Chase because your Caller ID says it is

Live life spam-call-free®

Victim of a Chase Bank text scam? These are your next steps

If you have followed the link in a suspicious text message or given away private information to a scammer, it’s vital to act quickly. The longer you wait, the more damage a Chase Bank alert text scam can do. Retrieving what you lost may be a long and difficult process, so follow these steps right away.

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Contact Chase Bank immediately. They can help you determine if you should freeze your cards or close your accounts.
Monitor your accounts. Regularly check your credit card and bank statements for unauthorized charges so you can report them quickly.
Change your login credentials. If you use the same username and password for other accounts, change them too.
Document the scam. Record the phone number that contacted you, the sensitive information you gave the scammer, and dates and times of communication.
Report the scam to authorities:

File a claim with the Federal Communications Commission (FCC)
Notify the Federal Trade Commission (FTC)
Forward the text to SPAM (7726)
File a report with your local police

Know how to report a scam to Chase Bank:

Call Chase at 1 (800) 935-9935 or 1 (800) 955-9060
Email [email protected]

Strengthen your online security. Install new security updates as they become available and run antivirus software to check for malware and other viruses.
Download a spam blocker. Third-party spam blockers like Robokiller protect your phone from dangerous call and text scams.

Robokiller: Your defense against scammers

A successful Chase Bank scam can leave you vulnerable to financial distress and identity theft, both of which are detrimental to your quality of life and difficult to reverse. Fortunately, a dedicated spam-blocking app like Robokiller can secure your privacy and protect you from severe financial consequences.

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Thanks to its comprehensive, 99% effective algorithm, Robokiller helps you take back your security and stop worrying about dangerous phone scams. Its customizable features are must-haves in the fight against fraud. With this essential layer of protection, spam and scams don’t stand a chance.

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Start your 7-day free trial of Robokiller today and keep Chase Bank alert text scams off your phone for good.

FAQs

How can I identify a Chase Bank text scam?

Chase Bank text scams include many telltale signs of fraud, including a sense of urgency, requests for personal information, and suspicious links to spoofed websites. Chase will only text from short codes you can verify online.

What should I do if I receive a suspicious text from Chase Bank?

Never respond to suspicious text messages or click the links included in them. Contact Chase through official channels or call the number on the back of your card if you receive a suspicious text claiming to be from Chase Bank.

What happens if I fall for a Chase Bank text scam?

Falling for a Chase Bank text scam often means a scammer has access to your financial accounts. From there, they can steal your money, use your accounts to make purchases, or even open new lines of credit. It’s important to contact Chase, the police, and government agencies like the FTC and FCC immediately.

How do I report a Chase Bank text scam?

Report a Chase Bank text scam directly to Chase by forwarding the message to [email protected] or calling 1 (800) 935-9935 (for checking and savings customers) or 1 (800) 955-9060 (for credit card customers). File a report with the FTC or FCC, notify local law enforcement, and forward the text message to 7726 (SPAM).