Chase Bank fraud alerts are real, but scammers clone them almost perfectly. The key difference is whether the message asks you to call a number or click a link — legitimate Chase alerts direct you to the official Chase app.
About this scam type: Chase Bank texts and emails about suspicious activity
ScamRadar verdict: likely-scam · Risk score: 85/100
Chase Alert: A purchase of $487.23 at BEST BUY was attempted on your card ending 4421. If this was not you, call 1-888-555-0142 immediately to dispute. Reply STOP to opt out.
The phone number is the trap. Real Chase fraud alerts ask you to reply YES or NO, never to call an unfamiliar number. Always call the number on the back of your physical card.
If you called the number, do not give them any information including your card number, online banking password, one-time codes, or Social Security number. Hang up immediately if asked. Then call the real Chase number on the back of your card to report the attempted scam and have your account watched. If you already provided account details or one-time login codes, change your Chase password from the official chase.com site, lock your debit and credit cards through the Chase app, and request that all current sessions be terminated. Watch for unauthorized Zelle transfers — these are the #1 fraud vector after a Chase phishing call.
Open the Chase app and check the Secure Message Center under the menu — every real fraud alert is mirrored there. If a text is not also in the Secure Message Center, it is not from Chase. Real Chase alerts come from the short codes 24273 (CHASE) and 36640. They ask you to reply YES or NO to the alert, never to call a phone number printed in the message itself. The number on the back of your physical card is the only number you should ever call to verify suspicious activity.
Chase fraud alerts come from the short codes 24273 or 36640. They are short, ask you to confirm a transaction by replying YES or NO, and never include a clickable link or unfamiliar phone number to call.
Never. Chase will not ask for your online banking password, debit card PIN, full Social Security number, or one-time login code by phone, text, or email. Anyone asking is a scammer, even if your real account number is mentioned.
Scammers posing as Chase fraud agents ask you to send money to yourself via Zelle to reverse a fake unauthorized charge. The Zelle transfer actually goes to the scammer and is irreversible. Chase will never ask you to send a Zelle to yourself or anyone else as a fraud-prevention step.
If you did not give any information, you are likely fine — but block the number and report the text. If you gave any account details, codes, or passwords, call the number on the back of your card immediately, change your password, lock your cards in the app, and review recent Zelle activity.
Forward the suspicious text or email to phishing@chase.com. Report fraud on your account by calling the number on the back of your card or 1-800-935-9935. File a formal complaint with the FTC at reportfraud.ftc.gov.
Last reviewed: 2026-06-24 by the ScamRadar editorial team. We update this page when scammer tactics change or when official agencies issue new guidance.
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