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Chase/SW Application fraud - What to do?

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tussking
Established Contributor

Chase/SW Application fraud - What to do?

My three credit bureaus are always locked. I got an email from Chase telling me that someone applied for the Southwest credit card last night. I called. They had me call the fraud department today. They canceled the application and are asking me to call the FTC and submit my ID via USPS In order to get a copy of the application application. Which they claim can take 30 days. They did not get a credit pull But the simple fact that someone is using my information is very scary. What should I do next? TIA!

Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740
Message 1 of 11
10 REPLIES 10
CYBERSAM
Senior Contributor

Re: Chase/SW Application fraud - What to do?

The whole thing sounds like a fraud! I would not send my ID to anyone including banks in this case.

IF you are very concerned, go to a Chase branch.

Also verify the numbers that you are calling to be sure is Chase.







                
Message 2 of 11
keekers
Established Contributor

Re: Chase/SW Application fraud - What to do?

Agree with @CYBERSAM, this sounds fishy.


Message 3 of 11
NoMoreE46
Community Leader
Senior Contributor

Re: Chase/SW Application fraud - What to do?


@tussking wrote:

My three credit bureaus are always locked. I got an email from Chase telling me that someone applied for the Southwest credit card last night. I called. They had me call the fraud department today. They canceled the application and are asking me to call the FTC and submit my ID via USPS In order to get a copy of the application application. Which they claim can take 30 days. They did not get a credit pull But the simple fact that someone is using my information is very scary. What should I do next? TIA!



Glad that your reports were Locked.

 

Did  you call Chase number from the back of your card?

 

That email with those instructions  to call "them" can be the real

Fraud  attempt.

 

My nearest Chase branch is like 80 miles away.

 

 

Message 4 of 11
ptatohed
Valued Contributor

Re: Chase/SW Application fraud - What to do?

I agree with the others.  This "e-mail from Chase" is probably where the fraud started, not someone applying for a card in your name.  Make sure you call only a legitimate Chase number to see if there was a card application submitted.  

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Message 5 of 11
tussking
Established Contributor

Re: Chase/SW Application fraud - What to do?

The email was legit and I called both Chase numbers to verify. They had an application applied for under my SS#. 

Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740
Message 6 of 11
CreditPoor
Regular Contributor

Re: Chase/SW Application fraud - What to do?

Keep your credit bureaus locked

Report to FTC

Change your password on your accounts immediately (all of them)

2 factor them if they aren't already

 

Message 7 of 11
Traveler101
Established Contributor

Re: Chase/SW Application fraud - What to do?

If you are an American Express account holder, go to your offers. Look for an offer from Aura. It's credit protection at its best. Through amex, you can get 1 year free. They even alert you if anyone is attempting identity verification on you in pretty much real time. With all the hacks, it will only get worse. 

Message 8 of 11
AndySoCal
Valued Contributor

Re: Chase/SW Application fraud - What to do?

@tussking  I would change passwords on the email(s) adresses and bank and credit card accounts. Also, set up to factor authentication on as many accounts as possible with a text message to verify with.

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Message 9 of 11
gingerflower
Senior Contributor

Re: Chase/SW Application fraud - What to do?

The same situation happened to my daughter and the call she received from chase was actually not chase but from the scammer wanting her to send her ID and other personal information. So, I would not reply or send personal information. 

Message 10 of 11
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