Call Chase Fraud Services at 1-800-955-9060

If you believe your Chase credit card has been used fraudulently, call 1-800-955-9060 when ready. This is Chase's dedicated fraud line, available 24 hours a day, 7 days a week. Have your card and a recent statement in front of you when you call.

When you reach a representative, describe the transactions you don't recognize. Be ready to provide the date, merchant name, and dollar amount for each one. The representative will ask security questions to confirm your identity, then begin the dispute process on your account.

Chase will typically issue you a new card within 7 to 10 business days. Fraudulent charges are usually removed from your account within two billing cycles while the investigation takes place, though this timeline can vary depending on the type of fraud.

Key Takeaways

  • Call Chase Fraud Services at 1-800-955-9060 as soon as you notice unauthorized charges on your card.
  • Have your card number and recent statement ready, and be prepared to describe each fraudulent transaction by date, merchant, and amount.
  • Chase will send you a replacement card within 7 to 10 business days and typically removes disputed charges within two billing cycles.
  • You can also report fraud through the Chase mobile app or website if you prefer not to call, though phone reporting is fastest.
  • Federal law limits your liability for unauthorized charges to $50 if you report the fraud promptly.

Report Fraud Through the Chase Mobile App or Website

If you prefer not to call, you can report fraud through your Chase account online. Log into Chase.com or the Chase mobile app, go to your account settings, and look for "Report Fraud" or "Dispute a Transaction." Select the unauthorized charge and follow the prompts to describe what happened.

Online reporting takes longer than calling—Chase may contact you within 1 to 2 business days to verify the fraud before they begin the investigation. For urgent situations, especially if your card is still missing or you believe it's actively being used, the phone line is faster.

Whichever method you use, Chase will document your report and assign it a case number. Keep this number for your records in case you need to follow up on the investigation.

What Happens After You Report Fraud

Once you report the fraud, Chase places a temporary hold on your account and begins an investigation. During this time, you won't be able to use that card for new purchases. The bank contacts the merchant or the merchant's bank to gather evidence about the transaction.

Chase will also check whether the transaction matches your typical spending patterns. If you were traveling or made a large purchase that day, tell the representative—this context helps speed up the investigation. Transactions that look out of character are often resolved faster.

If the investigation confirms the charge was fraudulent, it's removed from your account permanently. If Chase determines the charge was authorized (for example, if someone with access to your card made the purchase), you may be held liable for it, though this is rare when you report promptly.

Protect Your Card After Reporting Fraud

When you report fraud, Chase cancels your current card and mails a replacement. The new card arrives with a different number, so any recurring charges tied to the old card will fail. Before the new card arrives, make a list of subscriptions and automatic payments you have set up—you'll need to update them with the new number once it arrives.

Chase will send the replacement card to the address on file. If your address was compromised or you're concerned about mail theft, call 1-800-955-9060 again and ask them to hold the card for pickup at a local Chase branch instead.

While you wait for the new card, you can still access your account online and make purchases through digital wallets like Apple Pay or Google Pay if you added the card to those services before the fraud occurred.

Your Legal Protection Against Fraudulent Charges

Federal law limits your liability for unauthorized credit card charges to $50 if you report the fraud to your card issuer. In practice, most major card issuers, including Chase, waive this $50 entirely and hold you liable for $0 if you report the fraud in a timely manner.

The key word is "timely." You must report the fraud within 60 days of the charge appearing on your statement. If you wait longer, your liability increases. This is why checking your statement regularly—at least once a month—matters.

Chase's fraud protection policy is often more generous than the law requires. Many cardholders report that Chase removes fraudulent charges without question, especially for first-time fraud reports or small amounts. However, the $50 cap is the legal minimum you can rely on.

What to Do if Your Card Is Lost or Stolen

If your physical card is missing, call 1-800-955-9060 when ready to report it lost or stolen. This is different from reporting fraud—you're telling Chase the card itself is gone, not that unauthorized charges have appeared. Chase will cancel the card right away to prevent anyone from using it.

You won't be liable for any charges made after you report the card lost, as long as you report it before fraudulent activity occurs. If charges do appear after you report it lost, those are treated as fraud and handled the same way.

Chase can issue a temporary card number over the phone that you can use for online purchases while you wait for the replacement card to arrive. Ask the representative if this option is available on your account.

Dispute a Specific Transaction Without Calling

If you want to dispute a single transaction rather than report your entire card as compromised, you can do this through your Chase account. Log in, find the transaction in your statement, and select "Dispute This Transaction." Describe why you believe it's unauthorized or incorrect.

Chase will investigate the dispute and typically respond within 10 business days. During the investigation, the charge remains on your account but is marked as disputed. Once Chase confirms it was fraudulent, the charge is removed and credited back to you.

This method works well if only one or two charges are fraudulent and you want to keep using your current card. If multiple charges are fraudulent or your card is lost, calling 1-800-955-9060 to report the card itself is the better option.

Frequently Asked Questions

How long does it take Chase to refund fraudulent charges?

Chase typically removes fraudulent charges within two billing cycles while they investigate. In many cases, the charge is removed within 7 to 10 business days. You'll see the credit back on your account once the investigation is complete. If the investigation takes longer, Chase will notify you of the delay.

Will I get a new card number if I report fraud?

Yes. Chase automatically cancels your current card and mails a replacement with a new number within 7 to 10 business days. You can request expedited shipping or ask them to hold the card for pickup at a branch if you need it faster. Any recurring charges tied to your old card number will need to be updated once the new card arrives.

What if Chase says the charge was authorized?

If Chase's investigation concludes the charge was authorized—for example, if a family member or someone with access to your card made it—you may be held liable. You can dispute this decision by calling 1-800-955-9060 again and providing additional evidence that you didn't make the purchase. If you believe someone in your household committed fraud, you may need to involve law enforcement.

Can I report fraud on a closed Chase credit card?

Yes. Even if you've closed the card, you can still report fraudulent charges that appeared while it was open. Call 1-800-955-9060 and explain that the card is closed. Chase will investigate the charge and credit your account if it's confirmed as fraudulent. You have up to 60 days from when the charge appeared on your statement to report it.

What should I do if I don't recognize a small charge?

Report it. Small fraudulent charges are sometimes test transactions—fraudsters use them to confirm a stolen card works before making larger purchases. Call 1-800-955-9060 or dispute it through your account. Even if the amount is small, reporting it prevents larger fraud from happening later.