How Do I Know If My Chase Alert is Fake?

A woman looking at her phone screen

Chase Bank may reach out to you via an interactive text message if they suspect unauthorized access to your banking or credit card account(s). In such instances, up to ten messages may be sent per incident. A legitimate fraud alert from Chase will originate from one of the following short codes: 28107, 36640, or 72166, rather than a ten-digit number. 

Unfortunately, scammers are now falsifying numbers to appear as though they are from Chase, when in fact they are not. Therefore, as a Chase customer, you need to be vigilant and recognize the signs of fraudulent text messages, emails, and phone calls in these situations.

How Can You Identify A Fake Chase Bank Alert?

The positive aspect to note is that fraudulent communications claiming to be from Chase Bank, whether in the form of calls, texts, or emails, typically adhere to a predictable pattern, making them relatively easy to recognize. Key indicators to be mindful of include:
  1. Urgency: Scammers often employ a tactic of instilling a sense of urgency in their messages, using fake fraud alerts to create a sense of panic and pressure you into taking immediate action. This rush may prevent you from scrutinizing the message for inconsistencies or questioning its authenticity. Common phrases used in these deceptive messages include claims that your account has been suspended or requests to update your account information promptly.
  2. Request to click on a link: Be cautious of any messages containing suspicious links, as legitimate communications from Chase Bank will never ask you to click on a specific link to activate your account. Scammers may create counterfeit websites resembling the genuine Chase platform to deceive you into divulging sensitive information. Any data entered on these fraudulent sites will be captured by the scammers. Therefore, if you receive a message from Chase prompting you to follow a link, it is likely a scam.
  3. Sender's number: Authentic fraud and security alerts from Chase Bank will always originate from designated short codes, such as 28107, 36640, or 72166. If the message comes from a ten-digit number, it is likely a scam.
  4. Lack of personalization: Pay attention to whether the message addresses you by name. Scammers often send generic salutations like "Dear valued customer" or "Dear customer" to target a broad audience in the hopes that some recipients will fall for the scam.
  5. Request to call a specific number: In response to increased awareness of phishing tactics involving links, scammers are now including phone numbers in their messages instead. If you call the provided number, you may be prompted to disclose your account login credentials.

Remember: Chase Bank will never request confidential information, such as your username, password, personal identification number (PIN), or other account details, through text message, email, or over the phone unless you initiate contact regarding an account-related issue. In such instances, a customer care representative will ask you to verify your information to ensure your identity.

Examples of Fake Chase Text Alerts

Scammers utilize deceptive text messages to deceive victims into clicking on links to counterfeit websites, contacting fraudulent phone numbers, or divulging their account information. Below are examples of fake text messages purportedly from Chase Bank:

an example of a fake Chase bank text alert

an example of a fake Chase bank text alert

an example of a fake Chase bank text alert

As you may have noticed on the above screenshots,, it is clear that some fraudulent text messages contain phrases such as "visit our branch at the earliest" or "call the number on your card" if you can't call the provided number or follow the embedded link, that is. These deceptive tactics are designed to mimic communication from Chase bank. Scammers understand that individuals may be too preoccupied to physically visit a bank or locate their card to verify the authenticity of the message. 

Consequently, recipients may be inclined to simply follow the embedded link or call the provided number. Should you receive messages purporting to be from Chase bank, exercise caution and refrain from clicking on any embedded links. Instead, verify the sender's number to ensure the legitimacy of the communication.

Protect Your Chase Account

Once again, be reminded that Chase Bank will never request your account number, password, PIN, or one-time-use code through phone calls, text messages, or emails. If you are ever asked to provide sensitive information by anyone, it is crucial to immediately end the conversation and contact your bank directly.

More importantly, using the same password for multiple accounts increases the risk of it being compromised in a data breach or accessed by malicious individuals. It is recommended to create a unique password for each account that is at least 12 characters long and not used elsewhere. Additionally, implementing two-factor authentication (2FA) adds an extra layer of security to your account in case unauthorized individuals gain access to your password. While text messages can be used to receive 2FA codes, it is safer to utilize an authenticator app such as Microsoft Authenticator or Google Authenticator.

Furthermore, avoid clicking on links in unsolicited emails or texts to prevent falling victim to phishing scams. If you have disclosed personal information, it is advisable to freeze your credit with all three major credit bureaus (Experian, Equifax, and TransUnion) to prevent fraudsters from opening accounts or taking out loans in your name.

While it is impossible to completely eliminate the risk of receiving fake Chase alerts, following the advice provided in this blog post will greatly reduce the likelihood of becoming a victim of fraud.
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