The telephone number 800-432-3117 belongs to Chase Bank. Chase is calling because its internal collections team believes you owe money on a Chase credit card, auto loan, or banking product.
However, the Chase computer system that is making these calls does not know (or care) whether the debt is legitimate, whether the debt has been paid, or whether the debt even belongs to you. You do not have to talk to anyone at Chase. You do not have to pay anything to anyone at Chase. You do have the right to dispute the debt and make the calls stop. Here’s how to do that.
About Chase Bank
Official Name: JPMorgan Chase & Co.
Type: First-party creditor (original creditor, not a debt collector)
Business: Credit cards, auto loans, mortgages, personal banking
Parent Company: JPMorgan Chase & Co., 270 Park Avenue, New York, NY
Size: The largest bank in the United States by assets ($4.0 trillion), with more than 5,300 branches and 317,000 employees
Better Business Bureau (“BBB”) Rating: A- (not BBB-accredited), with 4,691 complaints over the last three years
Consumer Financial Protection Bureau (“CFPB”) Complaints: Chase is one of the top three most-complained-about financial institutions in the country
The Chase Track Record You Need to Understand
If the calls from 800-432-3117 seem aggressive, there’s a reason for that. In 2015, the CFPB, along with 47 state attorneys general and the Office of the Comptroller of the Currency, took joint enforcement action against Chase for:
- selling debts that were already paid
- selling debts that had been discharged in bankruptcy
- selling debts that were opened fraudulently
- robo-signing over 528,000 court documents in collection lawsuits
The total penalties exceeded $216 million. Chase has also paid more than $48 million to settle several class-action lawsuits under the Telephone Consumer Protection Act (“TCPA”) for making automated calls to consumers’ cell phones without consent. One settlement alone, Gehrich v. Chase Bank, cost the company $34 million. The calls you are getting right now are part of that same institutional behavior.
Why Is Chase Calling Me?
The Trigger for Debt Collection Calls
Chase starts making collection calls when an account is at least 30 days past due. The calls at this point will be from Chase’s internal collections department. If the account goes to 90–120 days delinquent, those calls may become more frequent and more urgent. If the account reaches 180 days delinquent, Chase will charge off the account and may send it to an outside collection agency or sell it to a debt buyer like Midland Funding or Portfolio Recovery Associates. The telephone number 800-432-3117 is primarily a customer service and fraud line for Chase credit cards. According to the consumer call-tracking website RoboKiller, this number has been the source of more than 9,000 tracked calls and 554 consumer reports. One consumer using the website 800notes reported that the number called her every 15 minutes more than ten times without leaving a message.
It May Not Be Your Debt
Just because you are getting calls from 800-432-3117 does not mean the debt is actually yours. One consumer using RoboKiller reported getting a call from this number even though she did not have any accounts with Chase at all. Another consumer filed a complaint with the BBB in January 2025 and described the situation this way: Multiple unwarranted, unwanted calls, every hour daily. When I finally answered and stated cease all contact, do not call, they had already hung up. Chase’s own regulatory history proves that mistakes in the collection process are not that unusual. The 2015 CFPB enforcement action found that in about nine percent of the cases that Chase won in court, the judgment contained the wrong amount. Credit bureaus prioritize speed over accuracy, which means that bad debt information can end up on your credit report (and generate collection calls) before anyone has checked to make sure the information about that debt is actually correct.
Your Rights Under Federal Law
The Fair Credit Reporting Act (“FCRA”)
The FCRA is not a defensive statute. It is an offensive statute that gives you the right to challenge any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Once you file a dispute, the credit bureau must investigate within thirty days. If the creditor (in this case, Chase) cannot verify the debt with documentation, the item must be deleted. This matters because collection departments, even at a giant like Chase, often use mass-produced documentation rather than original records. The 2015 enforcement action found that Chase employees were robo-signing court affidavits without reviewing the underlying account files. A 2021 investigation by ProPublica found that Chase resumed mass-filing collection lawsuits from the same San Antonio office using the same assembly-line affidavit process once the consent order expired in 2020.
The Fair Debt Collection Practices Act (“FDCPA”)
As a first-party creditor, Chase is not technically covered by the FDCPA in most states. However, if Chase has already sold your debt to a third-party debt collector, that debt collector is fully covered by the FDCPA’s restrictions on call frequency, call time, and harassment. Regardless of who is calling you, federal and state law give you the right to make the calls stop. Federal and state law also give you the right to demand written verification of any debt before you respond at all. Exercising those rights is not an admission of anything. It is a procedural step that the law allows you to take.
How to Stop the Calls from Chase
Step 1: Get Your Credit Reports
Before you do anything else, get copies of your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. You can do this for free once a year at AnnualCreditReport.com. Go through each report and find any Chase tradeline that shows a balance in collections, a charge-off, or a past due status. Make a note of the account number, the reported balance, and the date of first delinquency. This is reconnaissance. You cannot effectively challenge what Chase is doing unless you know exactly what Chase is reporting. If you do not see the tradeline on your report, you may be dealing with a spoofed call rather than a legitimate collection call. Consumers report that scammers often spoof the 800-432-3117 number to impersonate the Chase fraud department. One RoboKiller user described the experience this way: Spoofed call from Chase Fraud Department at 1-800-432-3117. They told me there was a time sensitive charge that would be added to our account unless I verified information to dispute the charge. They were very convincing and had a lot of information about me and my credit card account.
Step 2: Dispute the Tradeline
If you find a Chase collection tradeline on your report that you believe is inaccurate, outdated, or unverifiable, file a formal dispute with each credit bureau that is reporting it. Your dispute should be specific. Identify the account. Say what is wrong with it. Ask the bureau to investigate. Under the FCRA, once you file a dispute, the bureau must contact Chase and ask it to verify the information with documentation. If Chase cannot produce the original account records, a signed agreement, or a complete payment history, the bureau must delete the tradeline. Given what we know about how Chase operates its collection department, this verification process can be very powerful.
Why Do Consumers Hire a Credit Repair Company?
Removing the Emotional Component
Guilt is one of the most powerful tools in a debt collector’s toolkit. If you feel like you owe someone money, you are more likely to talk to them, more likely to pay them, and more likely to make decisions that are not in your best interest. That is what the collection business is built to do—create a sense of urgency and apply emotional pressure. Working with a credit repair company takes that emotional manipulation out of the equation. You deal with someone who does not have a vested interest in the outcome, someone who approaches this as a matter of procedure rather than emotion.
Advocacy, Not Avoidance
Credit repair is advocacy. Companies like FightCollections.com exist to protect consumers from predatory collection practices, not to help consumers avoid their legitimate debts. If there is a debt on your credit report that is legitimate, properly documented, and properly reported, that debt is going to remain on your report. If there is a debt on your credit report that is not legitimate, not documented, or not reported correctly, you have every legal right to challenge it, and working with a professional makes that challenge more effective. Many consumers are reluctant to hire a credit repair company because they are afraid of a lawsuit, afraid of wage garnishment, or afraid of some other collection tactic. The reality is that most collection accounts—particularly accounts involving less than a few thousand dollars—will not end in litigation. The threat of a lawsuit is one of the most common tactics that collectors use.
The Bottom Line
You Have More Rights Than You Realize
The calls from 800-432-3117 will not stop on their own. Chase’s calling program is automated, relentless, and completely indifferent to whether the underlying debt is legitimate. However, the law is not indifferent. The FCRA and the FDCPA exist to give consumers the tools they need to verify, challenge, and correct the information that is driving these calls. You do not have to answer the phone. You do not have to negotiate. You do not have to feel guilty. What you can do is get your credit reports, figure out what Chase is reporting, and then take action to dispute anything that is inaccurate or unverifiable.
Let FightCollections.com Help You
If you are ready to stop the calls and take control of your credit report, let FightCollections.com help you. Our team is experienced in disputing collection accounts from Chase, challenging inaccurate credit reporting, and enforcing your rights under federal law. Contact us today for a free consultation.