Chase email scam: is that fraud alert real?
Editorially reviewed · Last updated September 8, 2026
Yes — this is a scam. Chase doesn't email you a link to verify your identity or restore a “suspended” account.
Exhibit · Email
Other versions you might get: A fake purchase alert with a “dispute this charge” button, a fake Zelle transfer receipt, or a “your credit score changed” lure. The text version is the Chase text scam.
What to do right now
- Don't click the link or button.
- Check the real way: open the Chase app or type chase.com yourself and sign in normally. A genuine hold or alert will show there.
- If you already entered your login: call Chase on the number on the back of your card, change your online-banking password, and review recent activity and devices.
- Report it. Forward the email to phishing@chase.com, then file at reportfraud.ftc.gov.
- Delete it and mark it as phishing.
Reduce the risk of another scam
Do not use the message’s link to check the claim. Open the real service yourself. If you paid or shared account details, start with what to do after a scam. Blocking and reporting can reduce unwanted contact, but they cannot stop every attempt or tell you how the sender found you.
● Public service · free steps first
Take the free protection steps first
A suspicious message does not tell us how someone found your details. If you shared personal information, start with the official recovery guidance. You can also freeze your credit for free.
- Freeze your credit — free at all three bureausRestricts access to your credit report for new credit applications. It does not protect existing accounts from misuse.
- Report it and get a recovery plan at IdentityTheft.govThe FTC walks you through exactly what to do next, for free.
Decide what protection you need
Start with the free controls above. Compare what a paid service would add only after deciding which problem remains.
No purchase needed. How we use evidence.
Frequently asked
Does Chase email you when your account is suspended?
I entered my Chase login on the linked page — what should I do?
How do I know if a Chase fraud alert is really from Chase?
How do I report a Chase phishing email?
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Phishing email examples: 7 illustrations, annotated
Seven illustrated phishing emails impersonating familiar organizations, with annotated warning signs, independent checks, and steps after exposure.
Sources
- 01How to recognize and avoid phishing scams— Federal Trade Commission
- 02What To Do if You Were Scammed— Federal Trade Commission
Pass it on
Help protect someone else
If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. It's safe to forward, and stands on its own as a record for a bank or the police.