Yes, Chase calls customers, but verify the caller before you give any information
Chase does call customers for legitimate reasons: to confirm large transactions, alert you to fraud, remind you of a missed payment, or offer you a product. But scammers also call pretending to be Chase. The safest rule is to never give personal information to an incoming call, even if the caller says they are from Chase. Instead, hang up and call Chase directly using the number on your card or statement.
A real Chase representative will never ask you for your full Social Security number, PIN, or online password over the phone. They already have your account number and can verify who you are through other means. If a caller demands this information, it is a scam.
Key Takeaways
- Chase calls customers about fraud alerts, missed payments, large transactions, and product offers, but you should verify any call by hanging up and dialing Chase directly.
- Real Chase employees will not ask for your full Social Security number, PIN, online password, or full credit card number during an incoming call.
- Scammers spoof Chase's phone number so the caller ID shows a real Chase number; this does not mean the call is legitimate.
- If you are unsure whether a call was real, log into your Chase account online or call the number on your card to check for any alerts or issues.
Why Chase calls customers
Chase initiates calls for several common reasons. A fraud alert is the most frequent: if the bank's system detects an unusual transaction—a purchase in a different state, a large withdrawal, or activity that does not match your pattern—a representative may call to confirm it was you. These calls usually come within minutes of the transaction.
Chase also calls about missed or late payments. If you miss a due date, the bank may call to remind you and discuss payment options. They may also call to offer you a credit card, a higher credit limit, or a loan product based on your account history. Some calls are routine account maintenance, such as confirming your current phone number or address.
The timing and frequency of these calls vary. A fraud alert may come at any hour. Payment reminders typically come during business hours. Product offers often come during the day on weekdays. If you receive multiple calls about the same issue, it may be a sign the first call was not legitimate.
How to verify a Chase call is real
The safest method is to end the call and dial Chase yourself. Use the phone number on the back of your debit or credit card, on your statement, or on Chase.com. Do not use a number the caller gave you. When you reach Chase, ask to speak with someone about the issue the caller mentioned. If no issue exists, you know the call was a scam.
If you are already in the call and want to verify before giving information, ask the caller for their name, department, and a callback number. Then hang up, call Chase's main line, and ask to be transferred to that person or department. A real Chase employee will expect this and will not be offended. A scammer will often refuse or give you a number that is not a real Chase line.
You can also check your Chase account online or through the mobile app. Log in and look for any alerts, fraud flags, or pending issues. If the caller said there was a problem with your account, you should see evidence of it in your account dashboard. If you see nothing, the call was likely fraudulent.
What information Chase will and will not ask for
Chase employees have access to your account already. They can see your account number, recent transactions, and payment history. Because of this, they will not ask you to provide your full Social Security number, full credit card number, PIN, or online password during an incoming call. They may ask for the last four digits of your Social Security number or card to confirm your identity, but never the full number.
If a caller asks for any of these pieces of information, end the call immediately. This is a red flag for fraud. Hang up and call Chase directly to report the call.
Chase may ask you to confirm a recent transaction by saying yes or no to details they already know. They may ask you to press a button on your phone to confirm your identity. They may ask for your current address or phone number to update their records. These requests are normal and safe to answer during a verified call.
Caller ID spoofing and why you cannot trust the number
Scammers use technology to make their call appear to come from a Chase phone number. This is called spoofing. When you look at your caller ID, you may see a real Chase number, a local Chase branch number, or a number that looks like it belongs to Chase. This does not mean the call is legitimate. The person on the other end could be anywhere, using spoofed technology to hide their real number.
This is why calling back using the number on your card is essential. The number on your card is printed by Chase and has not been spoofed. When you dial it, you reach a real Chase line. A scammer cannot spoof the number on a physical card in your wallet.
What to do if you think a call was a scam
If you gave information to a caller you now believe was a scammer, act quickly. Log into your Chase account and check for unauthorized transactions. Change your online password and PIN immediately. If you gave your Social Security number, consider placing a fraud alert with the three credit bureaus: Equifax, Experian, and TransUnion. You can do this for free by calling 1-888-397-3742 (Equifax), 1-888-378-4329 (Experian), or 1-888-909-8872 (TransUnion).
Report the fraudulent call to Chase directly. Call the number on your card and tell them about the scam call. They can flag your account and monitor it for fraud. You can also report the call to the Federal Trade Commission at ReportFraud.ftc.gov. This does not recover money, but it creates a record that helps law enforcement track scam patterns.
If money was taken from your account without your permission, contact Chase immediately. Depending on when you report it and what type of account was used, you may be protected under federal law. The sooner you report it, the better your chances of recovery.
How to reduce unwanted calls from Chase
You cannot stop Chase from calling about fraud alerts or missed payments—these are important notifications. But you can reduce marketing calls. Log into your Chase account online, go to your profile or account settings, and look for communication preferences. You can opt out of promotional calls and emails there. You can also call Chase and ask to be removed from their marketing call list.
Keep your contact information current in your Chase account. If your phone number changes, update it right away. Outdated information can lead to calls to the wrong number, which may increase your exposure to scams if someone else answers.
Be cautious about where you give your Chase account number or phone number. Scammers sometimes obtain this information from data breaches or by posing as Chase in emails or texts. If you receive an email or text claiming to be from Chase and asking you to click a link or call a number, do not do it. Instead, go directly to Chase.com or call the number on your card.
Frequently Asked Questions
Can I tell if a Chase call is real by the number it comes from?
No. Scammers can spoof any number, including real Chase numbers. The only way to verify is to hang up and call Chase yourself using the number on your card, statement, or Chase.com. Never call a number the incoming caller provided.
What should I do if Chase calls about a fraud alert?
Listen to what they say, but do not give any information. Hang up and call Chase directly using your card. Confirm whether the transaction in question was actually made by you. If it was not, Chase will help you dispute it and issue a new card.
Is it safe to give the last four digits of my Social Security number to a Chase caller?
Only if you initiated the call or verified the caller by hanging up and calling Chase directly first. If an incoming caller asks for these digits, you can provide them as a way to confirm your identity, but only after you have verified the call is real.
What if I already gave my password to someone who called claiming to be Chase?
Change your password immediately by logging into Chase.com or calling Chase. Monitor your account for unauthorized transactions. If money is missing, report it to Chase right away. Consider placing a fraud alert with the credit bureaus if you also gave your Social Security number.
Does Chase ever text or email customers?
Yes, Chase sends texts and emails about fraud alerts, payment reminders, and account updates. But they will never ask you to click a link or call a number in a text or email. If you receive a message like that claiming to be from Chase, it is a scam. Go directly to Chase.com or call your card to verify.