Chase monitors its customer’s profiles often to prevent fraud, and to search for unusual or suspicious account activity. This intervention has saved customers millions of dollars in lost funds, and prevented headaches, inconveniences, and distress.
If more banks would often this type of preventative protection more customers would not suffer great financial loss or ruin. In short, Chase will lock an account for security reasons, which is meant to protect you, the customer.
Another reason that Chase or any other banking institution will lock your account is if your funds are questionable.
Investigations into your finances will lead to your account being locked and assets frozen until the investigation is over, and the order is lifted.
Why did my Chase account get locked for a suspicious activity number?
If you have attempted to enter your password more than the allotted number of times allowed by Chase, you will find that you can no longer access your account.
It is considered suspicious activity on your account, and for your protection, Chase will lock your account, until they can verify it is you attempting to access your account.
Sometimes customers notice transactions on their account that they did not authorize. For instance, if you live in New Jersey, and someone in Washington is trying to place charges on your account, this is also considered suspicious activity.
For these and similar reasons, Chase will lock your account until you notify them and clear up any misunderstandings. It is better to be safe than risk losing your money to hackers and thieves.
How do I prevent my account from getting locked?
If you want to prevent your Chase account from getting locked, you need to remember several important pieces of information:
- Remember your password. If you forget your password, do not make numerous attempts at guessing. What you can do is write down your password, and keep it in a safe place.
- Change your password if you suspect someone is trying to access your information. If they put in the wrong information, Chase will lock your account.
- Failing to keep your personal banking information updated can also lead to your account being locked. Chase requires their members to follow the security protocol they have in place for their customers. This means changing your passwords often, and keeping telephone numbers, addresses, and other demographic information accurate at all times.
- Do not take it personally, when you are locked out of your account. if Chase suspects someone other than the cardholder trying to gain access to an account, the bank will lock your card.
What should I do if my Chase account gets locked for a suspicious activity number?
You should contact Chase’s customer service department and speak with a representative about this issue. Explain to the representative the actions you have taken to clear up the issue.
When the information you give is verified, Chase will begin the account recovery process. To get started you need to dial 1(877) 691-8086.
Please note that Chase will also lock your account if the account has not had any activity for six months. In the event, you decide to continue banking with Chase, you will need to change or reset your password. You can also reach out to the fraud department through text messages. The level of protection that Chase provides to their customers is to be commended and appreciated.
Will Chase call you for suspicious activity?
Yes. If Chase notices any suspicious activity on your account, a representative will call you and inquire about the activity.
Chase monitors their customer’s accounts, and if any fraudulent activity is suspected, they will lock your account, until they can speak with you. Once you have satisfied their suspicion your account will be restored. Chase will never ask you for your personal information.
This is one way to know for sure, that you are speaking with an actual Chase representative, and not someone trying to gain access to your account.
Can you unlock Chase’s account without calling?
If you are locked out of your Chase account, with the special lock and unlock feature, you do not need to call Chase. You can simply log in to your account and locate your account menu.
Next, you will go to Account Services and choose to lock or unlock the card.
Some customers have put on the lock feature and forgot they did, leading them to believe that their account is locked because they cannot use their card. Be sure to check this feature before contacting Chase about being locked out of your account.
If you prefer to send an email and not make the phone call, you can do that as well. If you opted in for banking alerts, you will keep a text or email, that suspicious activity is suspected on your account. The text will contain information about what your next steps should be.
The fraud team monitors customers’ accounts 24 hours per day, seven days a week.
Having your account locked might be an inconvenience to you, but your funds will be safe. Thousands of people fall victim each year to unauthorized transactions. This is a playground for hackers and others looking to make a quick payday from unsuspecting customers.
After verifying your information with Chase, your account will be unlocked and you will have access to your funds once again.