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Suspect fraud on your debit or credit card from an unauthorized merchant charge?

If you think someone used your card without your permission, we can help.

If you file a fraud claim, your card may be deactivated for your protection, and you may be issued a new card.

 

Here's what you need to do next:

1. Check the details of the charge

  1. Sign in to your account
  2. Find the charge that you believe was made without your permission
  3. Choose the link next to the amount for the details that can help you decide if it's fraud
  4. You can see if it's a merchant you've purchased from before, if the charge was made in person or online, and more

Note: Details for pending charges aren't available

Important: If you see a charge you recognize as yours, but the detail isn't right—like being charged more than once or for a gym membership that you canceled or a trial membership you don't recall signing up for—it's probably a charge error.

Review disputes

2. Confirm that it's fraud

Before you report fraud, which may deactivate your card, here are things to check:

  • The charge wasn't made by an authorized account holder
  • You haven't let anyone else use your card
  • You have reviewed the transaction detail, keeping in mind some merchants use a different name or address for billing purposes, and still don't recognize it

3. Lock your card immediately and then submit the completed fraud form to us

  • Locking your debit or credit card blocks new purchases. Locking your card won't block recurring transactions
  • For credit card fraud, call us at 1-800-955-9060
  • For debit card fraud, call us at 1-800-978-8664
  • Update your phone number in case we need to contact you quickly

4. Activate your new card when it arrives

Your new card should arrive in 3-5 business days. When it does, please take these measures to help keep your account safe:

  • Activate the card from the phone number associated with your account
  • Set up alerts to monitor account activity
  • Download the Chase Mobile® app for real-time account access
  • Enroll in Credit Journey to monitor your credit report
  • Update recurring transactions with your new card number

For additional protection, take these steps:

Place fraud alerts

You can have EquifaxOpens overlay, TransUnionOpens overlay and ExperianOpens overlay place fraud alerts on your credit report

Review additional tools

Review additional tools to protect and help you manage your account. If you suspect that you've been a victim of identity theft, follow these steps (PDF)

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