Will Chase refund money you sent to a crypto scam?

The short answer: it depends on how the money left your account. If a scammer got into your account, or tricked you into sharing a login or one-time code, and moved the money, federal rules usually protect you. If you sent it yourself after being lied to, Chase will likely treat it as authorized, and a refund is up to Chase. Either way, act today. And if the money went on into crypto, it can still be traced.

Report it to Chase now

• Checking, savings, debit card and Zelle: 1-800-935-9935 (option 8). From outside the U.S.: 1-713-262-3300.
• Chase credit cards: 1-800-955-9060 (option 2).
• In the Chase Mobile app: open the payment and choose "Report a problem".
• Ask for a claim number and write it down.

By how you paid

• Zelle: Zelle requires its banks, including Chase, to refund certain impostor scams, such as someone posing as Chase or a government agency. Investment and romance scams aren't described as covered. Ask Chase whether your payment qualifies.
• Wire: a sent wire usually can't be canceled, but Chase can ask the receiving bank to recall it. Call right away, and report it at ic3.gov.
• Debit card or a transfer someone else made: report it within 60 days of the statement it appears on.
• Credit card that bought crypto: a dispute is harder, because the exchange delivered the crypto.

What to tell Chase

"I was the victim of a scam. I'm reporting fraud and I'd like a claim number. Please try to recall or flag the payment."

If Chase says no

Your money's trail doesn't end there. We trace where it went next and push the institutions holding it to freeze it so it can be returned to you. Once you engage us, tracing takes 48 hours, and recovery efforts start within a week.

• Will your bank refund money you sent to a crypto scam?
• How to report a crypto scam
• Can stolen crypto be frozen? How freezes work

Van Orton Recovery is an American fraud recovery intelligence firm. Every case starts with a free, confidential assessment of where your money went and what can be done, usually within hours. Contact us at hello@vanortonrecovery.com or use the link below to get started.