1-800-454-9078 called me today and it was worth it!

Real Estate Agent with REALTY AUSTIN-Austin, TX www.RealtyAustin.com

Early this morning, I got this call from a 1-800 number. I let it go to voicemail because usually it's a telemarketer, someone wanting me to extend my car warranty, or someone wanting me to pay for real estate leads. I do not need any of the above right now. I let it go to voicemail and then listened to the message. It was a call claiming to be from Chase Credit Card Fraud department and they said the last 4 digits of my credit card. They wanted me to call them back immediately, so I did. However, when I called the number, it asked me to enter my credit card information....hmmm...let me rethink this. I immediately hung up and then Googled the 1-800 number. Come to find out that half the online community posts say it's real and half say it's a scam.

Instead, I decided to look up the customer service number on the www.Chase.com website and called them directly. My goal last year was to pay off all my credit cards (which I did, yippee!) however, I have 2 Chase cards, one for business and one for personal (like hotels, rental cars, etc...) I paid off both cards and they each have a zero balance. They verified my information and I didn't even have to type in my credit card information. Why? Because it was Chase directly and they have all my information on the screen. Just a quick verification of my last for digits of my social security number and mother's maiden name -no need to type in my full credit card information.

Someone had tried to use one of my credit cards to make an online purchase. $92.58 to be exact, to IBM? Cosmetics, an online store. Apparently, they didn't know the correct expiration date so it was flagged. I told the woman on the phone that I haven't used that card in months and it should have a zero balance. She mentioned I had a $3.95 charge for a dermatology clinic that was revolving monthly charge. Again, a fraudulent charge, because I don't use the card. She reversed both charges and then told me they were going to close that account and reissue me a new card with a different account number, so it wouldn't affect my credit.

What is the lesson here? If in doubt, call your credit card company directly from the number off the back of your card or from their legitimate website. It could save you from identity theft. Good luck!


Comments (13)

Debbie Walsh
Shahar Management - Middletown, NY
Hudson Valley NY Real Estate 845.283-3036

Debbie-this post is interesting to me because last month in speaking to my bank about something I had them look up my credit (which is normally stellar) and they found a "chase delinquency" that was brand new that dumb founded me.  I was furious so when I got home I called chase ready to close my credit card accounts with them and they said it was an error, they would track it down, remove it and issue a letter.  Well it is a month later and they are still trying to figure out where this erroneous delinquency came from.  So for anyone else out there--like you said keep an eye out for problems with Chase scams. 

Feb 09, 2009 10:04 AM
Kathy Toth
Ann Arbor Market Center Keller Williams - Ann Arbor, MI
Ann Arbor Real Estate Experts - Kathy Toth Team

It's the whole "phishing" scare at its finest. You worry when you get that kind of call that someone has tried using your card but you are afraid that it might not be true if you have to input your credit card number to find out.  You are so right about this.  Calling the credit card company directly is always the best course of action!


Feb 09, 2009 10:49 AM
Debbie Walsh
Shahar Management - Middletown, NY
Hudson Valley NY Real Estate 845.283-3036

I am surprised you haven't gotten more comments.  I am still trying to straighten this out and I know more people out there must have gotten calls like you have.  Thanks for the post.

Feb 11, 2009 10:47 AM
Debbie Barrera
REALTY AUSTIN-Austin, TX www.RealtyAustin.com - Austin, TX
Your Austin Texas Connection

Thanks Debra and Kathy. It also happened to a close friend of mine so I think that Chase must have had a breach of security. This also happened to me a few months back with Countrywide Mortgage but that is for another post at a future date. So much for trying to get debt free.

Feb 16, 2009 01:50 PM

I just had the same thing happen, there was no way I was going to give my 16 digit account number to just anyone who calls and asks for it. I hung up and called the number on the back of my card and spoke with someone at the bank, verified the last four digits of the card and my social and they informed me that there were several charges form the Apple store and $150 for web hosting. I don't have an Ipod or IPhone or do any web hosting so I said NO WAY, they closed the account immediately and told me they will send me a new card. While online I noticed my available balance had dropped as of yesterday and the bank told me there are more charges accruing. What a frightening deal, I never use the card except for emergency's and I check my accounts online every day, I sure am glad I do and that I took the time to research the 1-800 number the calls were coming from. Thank you so much for your postings, my mind is now at ease.

Sep 16, 2009 04:29 AM

I got this call and there was a fraud alert.  I recommend just calling the number on your card. While the call I got was legit - who knows what call you received.  If you call the number on your card, you know you're getting Chase and they tell you if there is a problem. 

Sep 06, 2010 03:37 AM
Debbie Barrera
REALTY AUSTIN-Austin, TX www.RealtyAustin.com - Austin, TX
Your Austin Texas Connection

Thanks Justin and Joshua, it's good to know that I'm not the only one who Google's 800 numbers, especially when it comes to credit card information. Glad I could help!

Sep 14, 2010 01:12 PM

I just received an automated call about possible credit card fraud from the 800 number mentioned above. Thanks for the info. I will call the number on the back of my card instead of the one that called.

Appreciate the comments! Thanks.

Nov 24, 2010 08:37 AM
Debbie Barrera
REALTY AUSTIN-Austin, TX www.RealtyAustin.com - Austin, TX
Your Austin Texas Connection

Way to go Colleen. Especially with the holidays approaching, the scammers are out there in full effect. Glad I could help you.

Nov 30, 2010 09:13 AM

It's years later (from this post), but I, too, just got this call (I let it go to VM, but then called the 800 number right back as opposed to going to Chase Customer Service directly).

I was very hesitant on giving any information that it seemed like Chase Bank should've had and/or didn't need to ask - but the representative did have information on a couple of past credit card charges that were legitimate so I went with it.

For me, the charge was a $7.95 charge made in Texas somewhere (I live in AZ). They're going to cancel my card and issue a new one. Still, something doesn't feel right.

I'm going to Chase directly today and will talk with them. Part of me says everything is fine, but there's something lingering in my head telling me to get everything verified in person.

Aug 10, 2015 05:39 AM
A Software Engineer

We received an email about suspicious account activity that looked like it came from Chase. To the untrained eye it would have looked legitimate but I build web applications and could tell by both the look and feel and the subdomain hyperlinks that it was fake and deleted it. A week later my wife gets a voicemail telling her to call this number. I check our account (again mind you, I already did when I got the email) and there is NO activity. Nothing. Nada. Zilch. We have an account but do not use it so this is correct. I called Chase using the number on the back of my card, they confirmed, no activity. So why are we getting a call from this number?

Out of curiosity I went ahead and called. They sound somewhat legitimate on the phone but again, there were little things that I could tell made it fake. I did not provide them any information and they provided me with no information. The person I spoke with had an Indian accent and was personable. They also recommended I call the number on the back of the card.

Amongst the "it's a SCAM" comments and "no it's NOT" comments, I want you to consider one thing. Can something be legitimate when it's validity is repeated called into question? I don't think so. I think you need to verify that your account is in good standing but only by logging into the chase website from typing in the URL your self (never use links in email) or calling the number listed on the back of your credit card.

I've looked up questionable phone numbers before from the site in the first page of Google results. That's how I got here. This is the first I've ever seen where people go back and forth about it being fake or real. That to me is the biggest sign something is wrong. My bet is all the comments saying it is a SCAM are correct and all the other comments (no matter how reasonable they may sound) are actually made by the scammers trying to put on over on you.

Hopefully you see this too...

Jan 15, 2016 05:13 AM
Sheila P

I received what appears as an automated text saying that a charge of $249.99 at Walmart had been declined for card ending in 2749. And asked if I had made charges to enter Yes or No.

Well, I was watching t.v. and knew I was not at Walmart so I typed in NO. I then got another message for me to call this number to either get it corrected or have my card cancelled.

I then went and got my cards and noticed than neither of my chase cards ended in that number. So just as I was calling the number on the back of my card I get an incoming call from this number, so I click over to it.

The "representative" sounded legit. I explained what was going on and she then asked me for my correct credit card number. I said, "I'm not going to give you my number, you should have my number. And, YOU called me, so I have no way of knowing if you are legit." She then said that she understood and I should call the number on the back of my card.

I then called the number on the back of my card and explained the events. They transferred me to the fraud division and while they did not tell me much except they would remove my phone number associated with the credit card ending in 2749.

I asked if this number was a legit or not. All they said was that there are a lot of "back line numbers" and there was no way for him to know, but to always be safe and call the number on the back of the card.

Soooo...I don't know if it was a legitimate or fraudulent call. All I know was that when they (the incoming call) asked me for my credit card number it flew up red flags and there was no way I was going to give them my number.

Always be safe and dial the number on the back of you card!!

Aug 20, 2018 07:20 PM
David J Turlington

we just received a call from this number. I answered, and they were asking for my wife. while I was waiting for her to pick up, I googled the number and found this page. After reading a few comments, I told her to hang up and call Chase directly. She did! These posts may have saved us a BIG headache! Thank everyone!

May 08, 2019 07:06 AM