Account Security & Reporting Fraudulent Activity (2024)

FAQs

Account Security & Reporting Fraudulent Activity? ›

Report any fraudulent accounts to the appropriate financial institutions. Place a fraud alert by contacting one of the three credit bureaus (that company must tell the other two): Experian layer (888-397-3742), TransUnion layer (800-680-7289) or Equifax layer (888-766-0008).

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.

Suspicious transactions are any event within a financial institution that could be possibly related to fraud, money laundering, terrorist financing, or other illegal activities. Suspicious transactions are flagged to be investigated, but many suspicious transactions are simply false positives.

By law, you're entitled to a free report every year from each of the three credit bureaus. Reports are available at annualcreditreport.com. Place a fraud alert with one of the three credit bureaus. The bureau you contact will then contact the other two credit bureaus.

Report the fraud to authorities

If the fraud occurred in your local community, you could also report the matter to the police and your district attorney. You may need to file a police report if you plan to file an insurance claim for fraud losses. Also contact your state financial regulator or attorney general.

You can receive alerts by email, text message and push notification when there's a charge, refund or other transaction on your account, when a balance transfer or payment has posted, to get balance and available credit limit amounts, when a payment is due, or when a payment has posted.

You are asked to click on a suspicious link.

Banks almost never include links in their text messages; but if they do, the URL will lead to the bank's official website. In this example, the URL has nothing to do with Chase and instead leads to a fake website.

Yes, banks will text you about legitimate fraud alerts. They may also send marketing communications or balance alerts via SMS if you've signed up for those notifications.

We're always checking for any suspicious activity on your account, so you may get a text message or call from our automated system to confirm a recent transaction or a change of address.

Bank accounts are typically frozen for suspected illegal activity, a creditor seeking payment, or by government request. A frozen account may also be a sign that you've been a victim of identity theft. Each situation requires specific actions to unfreeze the account.

How do I report fraudulent activity on my account? ›

Report any fraudulent accounts to the appropriate financial institutions. Place a fraud alert by contacting one of the three credit bureaus (that company must tell the other two): Experian layer (888-397-3742), TransUnion layer (800-680-7289) or Equifax layer (888-766-0008).

A phone number alone is not enough for someone to hack your bank account. But, as outlined above with regard to someone having your email address, someone with your phone number could potentially call or text you as part of a phishing scam with the ultimate aim of hacking money from your accounts.

If you see charges or transactions in your bank or credit card accounts that you don't recognize, this likely is a sign that someone has your account number and is making purchases or withdrawals. Contact your bank or credit card issuer immediately to report the fraudulent activity.

The easiest way to become a victim of a bank scam is to share your banking info — e.g., account numbers, PIN codes, social security number — with someone you don't know well and trust. If someone asks for sensitive banking details, proceed with caution.

Can they track who used my credit card? Yes. Tracking who used a credit card is often possible, especially if the fraud involved physical transactions at identifiable locations or digital transactions with traceable IP addresses and device information.

Important Terms And Disclosures (“Terms”): Electronic SMS Text Messaging. This J.P. Morgan electronic communication channel is a confidential SMS Text Message exchange between you (the intended “Recipient”) and a J.P. Morgan Private Bank representative (“Sender”).

If a bank texts you, it will come from a five or six-digit “short code.” For example, Chase Bank's fraud department will only text you from 28107, 36640, or 72166 [*]. It comes from an email address that looks like your bank's address. Scammers send texts from email addresses to make them seem more legitimate.

To see your secure messages, just sign in to chase.com. From your accounts page, go to the side menu (the three-line icon in the top left corner) and choose "Secure messages."