Chase Account Has Been Locked Email Scam (2023)

What is the "Chase account has been locked" email scam?

It is common that scammers use email to trick recipients into providing them personal information (e.g., login credentials, social security numbers, credit card details). Their goal is to extract information that could be used to access bank, email, social media or other accounts, make unauthorized purchases, etc.

In order to give their emails legitimacy scammers pretend to be legitimate companies, organizations, or other entities. This particular email is disguised as a letter from Chase, an American national bank.

Chase Account Has Been Locked Email Scam (1)

"Chase account has been locked" email scam overview

In most cases, scammers claim that they have noticed some suspicious activity or log-in attempts, there is an issue with the account, payment information, some billing problem, etc. Their main goal is to trick recipients into clicking the provided link and entering personal information on the opened website (or sending them that information via email).

Typically, websites that scammers look similar or nearly identical to official ones - they use the same logos, headers, etc. As mentioned in the introduction, scammers attempt to obtain information that could be used to access banking, social media, and other accounts (e.g., email addresses, usernames, passwords).

They often target credit card details (e.g., card holder name, account number, CVV code, expiry date) as well. When scammers succeed, they try to steal those accounts (or other personal information) so they could use them to send their scams or spam to other people, deliver malware, make fraudulent purchases, transactions, steal identities, etc.

It is common that they sell extracted data on a darkweb (sell it to other cybercriminals). In one way or another, it is strongly recommended to be sure that a received email is received from a legitimate company and not to click links or open attachments in suspicious emails.

Threat Summary:
NameChase Account Has Been Locked Email Scam
Threat TypePhishing, Scam, Social Engineering, Fraud
Fake ClaimChase bank account has been locked due to suspicious login attempt
DisguiseLetter from Chase bank (a legitimate American bank)
SymptomsUnauthorized online purchases, changed online account passwords, identity theft, illegal access of the computer.
Distribution methodsDeceptive emails, rogue online pop-up ads, search engine poisoning techniques, misspelled domains.
DamageLoss of sensitive private information, monetary loss, identity theft.
Malware Removal (Mac)

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Scam email examples

There are many different email scams similar to this one. Some examples are "Rabobank Email Scam", "EuroLine Windows Exchange Email Scam", and "Standard Bank Financial Consultancy (SBFC) Email Scam". In most cases, scammers behind them seek to get access to personal accounts or extract information that could be used for other malicious purposes.

The main differences between these emails are the company names used to give them legitimacy and their subjects. It is important to mention that email can be used as a channel to deliver malware.

How do spam campaigns infect computers?

Recipients install malicious software via emails when they download and open malicious attachments or execute files downloaded via links. A couple of examples of files that cybercriminals use to deliver malware via their emails are RAR, ZIP, and other archive files PDF, Microsoft Office documents, executable files (like .exe), JavaScript files.

Typically, they claim that those files are invoices, purchase orders, or other important documents. It is noteworthy that MS Office documents infect computers only if recipients enable editing/content (macros commands) in them.

However, documents opened with Microsoft Office that was released before 2010 do not have the "Protected View" mode and install malware automatically.

How to avoid installation of malware?

It is highly advisable not to open files or links in received emails if they are not relevant and sent from a suspicious, unknown addresses. It is very common for emails of this kind are part of some malspam campaign that cybercriminals use to deliver malware (to trick recipients into opening malicious files designed to install malware).

(Video) Scam text claims your bank account is locked

Files, programs downloaded via third-party downloaders, unofficial web pages, Peer-to-Peer networks, free file hosting sites, etc., can be designed to install unwanted, malicious software. They should be downloaded from official pages and via direct links.

It is important to remember that third-party, unofficial installers can be malicious too. Furthermore, it is important to update and activate the operating system and any installed software using implemented functions or tools that the official developers have created/designed.

Users who use 'cracking' tools to activate or third-party updaters to update software tend to infect their computers - it is common that those tools are bundled with malware. Another reason not to use 'cracking' tools is that it is not legal to bypass software activation using such tools.

Additionally, it is advisable to run virus scans regularly and do it using a reputable and up-to-date antivirus or anti-spyware software. If you've already opened malicious attachments, we recommend running a scan with Combo Cleaner Antivirus for macOS to automatically eliminate infiltrated malware.

Appearance of the Chase account has been locked email (GIF):

Chase Account Has Been Locked Email Scam (2)

Text presented in the Chase account has been locked email scam:

Subject: (********) Verify your account

Dear ##EMAIL##:

Your Chase Account has been locked for security reasons. We Detect your account login from unknown device and for your safety your account has been temporarily locked.

To resolve this issue, please verify your account information here chase.com.

Thanks for being a loyal customer.

Sincerely,

The Chase Online Team

(Video) Chase Bank Alert Text Scam, Explained

E-mail Security Information

E-mail intended for: ##EMAIL##

Please don't reply to this email. We can't read or respond to replies to this email. If you believe you’ve received this email in error,

ABOUT THIS MESSAGE:
This service email gives you updates and information about your Chase relationship.

This email was sent from an unmonitored mailbox,

Your privacy is important to us. See our online Security Center to learn how to protect your information.

Chase Privacy Operations, PO Box 659752, San Antonio, Texas 78265-9752.

JPMorgan Chase Bank, N.A. Member FDIC

© 2021 JPMorgan Chase & Co.

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Quick menu:

  • What is Chase Account Has Been Locked spam?
  • Types of malicious emails.
  • How to spot a malicious email?
  • What to do if you fell for an email scam?

Types of malicious emails:

Chase Account Has Been Locked Email Scam (3) Phishing Emails

Most commonly, cybercriminals use deceptive emails to trick Internet users into giving away their sensitive private information, for example, login information for various online services, email accounts, or online banking information.

(Video) CHASE BANK BANS ME FOR LIFE! THEY CLOSE MY ACCOUNT AND WITHHOLDING MY MONEY THAT WAS IN CLOSED ACCT!

Such attacks are called phishing. In a phishing attack, cybercriminals usually send an email message with some popular service logo (for example, Microsoft, DHL, Amazon, Netflix), create urgency (wrong shipping address, expired password, etc.), and place a link which they hope their potential victims will click on.

After clicking the link presented in such email message, victims are redirected to a fake website that looks identical or extremely similar to the original one. Victims are then asked to enter their password, credit card details, or some other information that gets stolen by cybercriminals.

Chase Account Has Been Locked Email Scam (4) Emails with Malicious Attachments

Another popular attack vector is email spam with malicious attachments that infect users' computers with malware. Malicious attachments usually carry trojans that are capable of stealing passwords, banking information, and other sensitive information.

In such attacks, cybercriminals' main goal is to trick their potential victims into opening an infected email attachment. To achieve this goal, email messages usually talk about recently received invoices, faxes, or voice messages.

If a potential victim falls for the lure and opens the attachment, their computers get infected, and cybercriminals can collect a lot of sensitive information.

While it's a more complicated method to steal personal information (spam filters and antivirus programs usually detect such attempts), if successful, cybercriminals can get a much wider array of data and can collect information for a long period of time.

Chase Account Has Been Locked Email Scam (5) Sextortion Emails

This is a type of phishing. In this case, users receive an email claiming that a cybercriminal could access the webcam of the potential victim and has a video recording of one's masturbation.

To get rid of the video, victims are asked to pay a ransom (usually using Bitcoin or another cryptocurrency). Nevertheless, all of these claims are false - users who receive such emails should ignore and delete them.

How to spot a malicious email?

While cyber criminals try to make their lure emails look trustworthy, here are some things that you should look for when trying to spot a phishing email:

  • Check the sender's ("from") email address: Hover your mouse over the "from" address and check if it's legitimate. For example, if you received an email from Microsoft, be sure to check if the email address is @microsoft.com and not something suspicious like @m1crosoft.com, @microsfot.com, @account-security-noreply.com, etc.
  • Check for generic greetings: If the greeting in the email is "Dear user", "Dear @youremail.com", "Dear valued customer", this should raise suspiciousness. Most commonly, companies call you by your name. Lack of this information could signal a phishing attempt.
  • Check the links in the email: Hover your mouse over the link presented in the email, if the link that appears seems suspicious, don't click it. For example, if you received an email from Microsoft and the link in the email shows that it will go to firebasestorage.googleapis.com/v0... you shouldn't trust it. It's best not to click any links in the emails but to visit the company website that sent you the email in the first place.
  • Don't blindly trust email attachments: Most commonly, legitimate companies will ask you to log in to their website and to view any documents there; if you received an email with an attachment, it's a good idea to scan it with an antivirus application. Infected email attachments are a common attack vector used by cybercriminals.

To minimise the risk of opening phishing and malicious emails we recommend using Combo Cleaner Antivirus for macOS.

Example of a spam email:

(Video) Frightening text scam claims your bank account is locked for fraud

Chase Account Has Been Locked Email Scam (6)

What to do if you fell for an email scam?

  • If you clicked on a link in a phishing email and entered your password - be sure to change your password as soon as possible. Usually, cybercriminals collect stolen credentials and then sell them to other groups that use them for malicious purposes. If you change your password in a timely manner, there's a chance that criminals won't have enough time to do any damage.
  • If you entered your credit card information - contact your bank as soon as possible and explain the situation. There's a good chance that you will need to cancel your compromised credit card and get a new one.
  • If you see any signs of identity theft - you should immediately contact the Federal Trade Commission. This institution will collect information about your situation and create a personal recovery plan.
  • If you opened a malicious attachment - your computer is probably infected, you should scan it with a reputable antivirus application. For this purpose, we recommend usingCombo Cleaner Antivirus for macOS.
  • Help other Internet users - report phishing emails to Anti-Phishing Working Group, FBI’s Internet Crime Complaint Center, National Fraud Information Center and U.S. Department of Justice.

Frequently Asked Questions (FAQ)

Why did I receive this email?

Thousands of users receive the same spam emails; they are not personal. Spam campaigns are large-scale operations so that cyber criminals could maximize their chances of a lot of tricking recipients.

I have provided my personal information when tricked by a spam email, what should I do?

If you've provided log-in credentials - immediately change the passwords of all possibly exposed accounts and contact their official support. If the disclosed information was of a different personal nature (e.g., ID card details, credit card numbers, etc.) - contact the corresponding authorities without delay.

I have read a spam email but didn't open the attachment, is my computer infected?

No, opening/reading a spam email is not dangerous. Infection processes are triggered when the attachments or links present in such emails are opened/clicked.

I have downloaded and opened a file attached to a spam email, is my computer infected?

If the opened file was an executable - then likely, yes - your device was infected. However, if it was a document (e.g., .doc, .pdf, etc.) - you could have avoided an infection. Document formats may require additional actions (e.g., allowing macro commands, etc.) - to start downloading/installing malware.

Will Combo Cleaner remove malware infections present in email attachments?

Yes, Combo Cleaner can detect and eliminate nearly all of the known malware infections. Note that high-end malicious programs tend to hide deep in systems. Therefore, performing a full system scan is paramount.

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(Video) Chase Bank Phishing and Impersonate emails | Don't fall victim | Cybersecurity for the people

FAQs

Why is Chase locking my account? ›

Suspicious activity

If we can't reach you, we might place a temporary hold on your online activity to make sure it's you and not someone else using your account.

Does Chase text you that your account is locked? ›

Fraud & Account Security - 28107, 36640, 72166

Chase may contact you through an interactive text message if we have reason to believe someone may be attempting to gain access to your banking or credit card account(s). Up to ten (10) messages may be sent per incident. Message and data rates may apply.

Why did I get a text saying my Chase account is locked? ›

It sounds like some form of phishing, i.e. a fraudulent text that isn't actually from Chase, but which attempts to obtain your login credentials or other confidential information.

What are some common signs that identify an email as fake? ›

What are the key signs of a phishing email?
  • An unfamiliar greeting.
  • Grammar errors and misspelled words.
  • Email addresses and domain names that don't match.
  • Unusual content or request – these often involve a transfer of funds or requests for login credentials.
  • Urgency – ACT NOW, IMMEDIATE ACTION REQUIRED.

How do you know if an email isn't real? ›

If you don't know how to check if emails are valid, we offer five methods to get you started.
  1. Method 1: Send an Email to the Address. ...
  2. Method 2: Password Recovery. ...
  3. Method 3: Perform an IP Address Lookup. ...
  4. Method 4: Search the Address in Google. ...
  5. Method 5: Email Checker.
4 Nov 2022

How does Chase notify you of suspicious activity? ›

We monitor your account 24/7 using sophisticated real time fraud monitoring and can text, email or call you if there's any unusual activity on your account. To assist us, please update your phone number in case we need to contact you quickly.

Has Chase bank been hacked recently? ›

JPMorgan Chase has confirmed that 76 million households and 7 million small businesses were impacted by a breach that reportedly began in June (see JPMorgan Chase Confirms Cyber-Attack).

Why did Chase suddenly close my account? ›

This is called a non-satisfactory relationship. When a non-satisfactory relationship occurs, all of your cards and accounts are closed. Chase will typically mail you a check for the balance in your account. After this happens, some people may be able to reopen accounts after a few years.

What do suspicious emails look like? ›

Phishing emails typically use generic salutations such as “Dear valued member,” “Dear account holder,” or “Dear customer.” If a company you deal with required information about your account, the email would call you by name and probably direct you to contact them via phone.

What happens if a scammer has your email address? ›

One of the major risks of scammers having your email address is that they'll use it to hack into your other online accounts. With your email address, they can request password resets, try entering your other passwords that have been leaked online, and even break into your email account.

What 3 things must you do if you receive an unexpected email? ›

Delete it immediately to prevent yourself from accidentally opening the message in the future. Do not download any attachments accompanying the message. Attachments may contain malware such as viruses, worms or spyware. Never click links that appear in the message.

Can you check if an email address is real? ›

The best and most recommended ways to verify an email address without sending an email are: Email verifier tools: Use an email verification service to check if the given address is valid or not. Just google 'Email Verifier,' and many free and paid options will come up.

Why do I keep receiving fake emails? ›

Spammers buy email addresses from special providers in bulk to add them to their mailing lists. If you've noted a sudden increase in the number of spam emails landing in your account, there's a high chance that your address was part of a list recently sold to one or more scammers.

What is Chase spam email? ›

The intention of the email is to capture a broad range of private information, such as login credentials for both online banking and email, and several personal details, including date of birth, address, mother's maiden name, credit card details, PIN number, plus much more.

Can someone hack your Chase account? ›

Once hackers have your social security number and bank account number, they can get into your Chase bank accounts by using your email address.

Does Chase send notifications? ›

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.

Did Chase Bank get hacked 2022? ›

Oct. 11, 2022, at 12:35 p.m. (Reuters) - JPMorgan Chase & Co said on Tuesday it was aware of reports that a hacker group had blocked the bank's network infrastructure but the company has not seen any impact on its operations yet, according to a spokesperson for the bank.

Was there a data breach in 2022? ›

2. Uber: September 2022. One of the largest companies in the world, Uber, discovered they were hacked in mid-September after the hacker announced in the companies Slack organization “I am a hacker and Uber has suffered a data breach” followed by several emojis.

When was the last time Chase got hacked? ›

2014 JPMorgan Chase data breach
Time2011 – May 2015
TypeData breach
Arrests4
Suspects4
Accused4
4 more rows

Can Chase close my account for no reason? ›

Yes. Generally, banks may close accounts, for any reason and without notice. Some reasons could include inactivity or low usage.

Can a bank close your account without permission? ›

Yes, a bank or credit union can close your account without your permission. A bank or credit union is most likely to do this if you have written bad checks or don't have enough in your account to cover your fees.

What happens when a bank closes your account for suspicious activity? ›

Closed Account

The bank has to return your money when it closes your account, no matter what the reason. However, if you had any outstanding fees or charges, the bank can subtract those from your balance before returning it to you. The bank should mail you a check for the remaining balance in your account.

How can I get my Chase account unlock? ›

Here's how:
  1. After signing in, choose the account you want to lock or unlock.
  2. Choose the. menu.
  3. Under "Account services," choose "Lock and unlock your card"
  4. Move the toggle switch to change the status of your card.

How long can a bank keep your account locked? ›

If your account is frozen because the bank is investigating your transactions, freezes typically last about 10 days for simpler situations or around 30 days for more complicated situations.

How long does Chase take to unfreeze your account? ›

All three bureaus usually lift a credit freeze immediately if your request is made via phone or online, but it can take up to one hour. If you decide to lift your freeze by mail, it should be lifted within three business days.

How do you know if your bank account is frozen? ›

How Do You Know if Your Bank Account is Frozen? If you have a frozen bank account, you won't be able to use your ATM and Credit/Debit cards as well. Each time, you'll see an error message on the screen, and any transaction that you make will fail to process.

Does Chase allow you to lock your card? ›

Here's how: After signing in, tap the credit card you want to lock or unlock. Swipe up to Account services and tap "Lock & unlock card" Tap the toggle switch to change the status of your card.

Can I still use my debit card if my account is locked? ›

If logging into online banking to view your account is locked, that in itself would not affect your ability to use your cards, unless the lock was imposed by your bank as part of a closure or due to a fraud attempt.

Can a bank lock your account without notice? ›

A judgment creditor does not have to give you specific notice before freezing your bank account. However, a creditor or debt collector is required to notify you (1) that it has filed a lawsuit against you; and (2) that it has obtained a judgment against you.

Can a bank lock your account without permission? ›

Yes, if your bank or credit union receives an order from the court to freeze your bank account, it must do so immediately, without notifying you first.

Is there such thing a locked bank account? ›

If suspicious activity is identified and it looks like you might be the victim of fraud, many financial institutions will put holds or freeze on your account.

Can I still spend money if my account is frozen? ›

Frozen accounts do not permit any debit transactions. When an account is frozen, account holders cannot make any withdrawals, purchases, or transfers, but they may be able to continue to make deposits and transfer into it. Put simply, a consumer can put money into an account, but cannot take money out of it.

How do I unfreeze my bank account for suspicious activity? ›

If your account was frozen due to suspicious activity

You can just give your bank a call and should be able to clear everything up fairly quickly. Typically it was due to unreported future activity abroad, a stolen card, etc.

How do I know if my bank account is being monitored? ›

5 Ways You Can Tell If Your Bank Account Has Been Hacked
  • Small unexplained payments.
  • Unexpected notifications from your bank.
  • A call claiming to be your bank demands information.
  • Large transactions empty your bank account.
  • You learn your account has been closed.
11 Dec 2020

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