Who Is Calling You from 800-935-9935 and Why?
The owner of 800-935-9935 is Chase. They are calling you because they believe you owe a balance on a Chase credit card, auto loan, mortgage, or bank account and their internal collections department has flagged your number for an outbound call. Chase is a first-party creditor, which means they are the original lender attempting to collect on one of their own debts before possibly selling it to a third-party collector.
There is, however, one big caveat with 800-935-9935. This number is one of the most frequently spoofed in the nation. Scammers have been impersonating the Chase fraud department to phish for account information. Not every call you receive from 800-935-9935 is actually from Chase.
About the Company Calling You from 800-935-9935
Company Name: JPMorgan Chase & Co.
Company Type: First-party creditor (tries to collect its own debts)
Industry: Banking, credit cards, auto loans, mortgages, personal loans
Address: 383 Madison Avenue, New York, NY
Company Size: Largest bank in the United States with approximately $4.4 trillion in total assets and over 85 million consumer customers
State Coverage Area: Nearly 5,000 branches across 48 states
BBB Rating: A- (not accredited)
They've Called Millions Before You
If these calls seem overly aggressive, that's because they are. Chase has already paid out over $59 million in class action settlements for making illegal robocalls to consumers' cell phones without consent. In one such case, Allen v. JPMorgan Chase, the bank's auto loan division robocalled 2.2 million cell phones, and the plaintiff received roughly 80 robocalls in less than three months despite not even having an auto loan with Chase.
In 2015, the CFPB, 47 state attorneys general, and D.C. ordered Chase to permanently stop collecting on over 528,000 consumer accounts after discovering the bank was selling inaccurate debts and filing lawsuits with robo-signed affidavits. The total penalty came out to $136 million. The California Attorney General separately found that Chase had filed 125,000 collection lawsuits against credit card holders in the Golden State alone.
Why Is Chase Calling Me?
Understanding the Internal Collections Timeline Used by 800-935-9935
Chase operates on a fairly standard internal timeline. Once one of their accounts goes 30 days past due, they report it to the credit bureaus and the calls from 800-935-9935 start. Between 30 and 180 days past due, Chase will steadily increase the frequency and urgency of the calls while occasionally offering hardship programs.
At around the 180-day mark, Chase will charge off the debt, which means they write it off as a loss, but the consumer is still liable for the balance. After charge-off, Chase will either turn the account over to an outside law firm for collections or sell the debt to a third-party buyer like Midland Credit Management or Portfolio Recovery Associates for roughly four to five cents on the dollar.
If you are still getting calls from 800-935-9935, it's likely Chase has not yet sold your debt.
When That's Not Actually Chase Calling You
800-935-9935 has an added problem: It's been one of the most frequently spoofed numbers in the country for over a decade. One consumer on 800notes described the problem to its full extent: "I have repeatedly complained to Chase Bank that their number has been pirated by a fraud/phishing gang, that it has been going on for twelve years, and they must get law enforcement on it, but it continues unabated."
The scam is sophisticated. Consumers report getting fake text alerts from Chase followed immediately by calls from 800-935-9935, with callers attempting to run a fake dispute process that concludes by stealing money via Zelle. One consumer reported the calls coming as late as 9 p.m. and as early as 2:30 a.m., during which time 14 fraudulent charges were run on their account.
What Do Calls from 800-935-9935 Sound Like?
The Script Being Read on the Other End
Multiple consumers have described the exact same experience when answering calls from 800-935-9935. There is an automated system that says to press 1 to accept the call or press 2 to leave a voicemail, but does not indicate who is calling or why. If the call is not answered, the automated system often does not leave a voicemail message. Instead, there's just a missed call that shows up on your caller ID four or more times per day.
One consumer summed up the daily grind this way: "Get a call from this number at least 4 times a day. Leaves no voicemail. If I answer, it says press 1 to accept a call or press 2 to leave a voicemail."
That is not follow-up. That is a pressure campaign.
Multiple other consumers have reported calls at odd hours. One consumer on WhoCallsMe reported a call at 6:30 a.m. from someone claiming to be with Chase Fraud who immediately asked for the first eight digits of their credit card number. Another consumer noted that the claims department for Chase is on Eastern time and will call West Coast consumers after business hours when it's impossible to call back and talk to a real person.
The Wrong Number Problem They Never Fix
There's a common trend across all review platforms. Consumers report getting constant calls from 800-935-9935 for accounts they do not actually have. Turns out, Chase's automated system simply dials whatever number is listed on an account, so if the previous accountholder entered the wrong number, that's the number that will be called forever.
One consumer explained it like this: "It is a number belonging to Chase Credit cards that they use to notify customers about their pre-set credit card limits and alerts. If the wrong telephone number is entered, that will be the number the automated system will be calling over and over again."
Another consumer reported daily collection calls for a credit card they never had even after verifying with Chase that there was no account under their Social Security number.
This is the dirty little secret about credit bureaus and creditors. They prioritize speed and efficiency over accuracy. Neither the credit bureaus nor the creditors fact-check information before using it, which is the same reason inaccurate information appears on credit reports that consumers never actually got a chance to dispute.
How These Calls Affect Your Credit Report
Your Credit Report as Reconnaissance
The first thing you should do when getting calls from 800-935-9935 is pull your credit report. Not because you need to panic about the number on your caller ID, but because you need to know exactly what Chase is claiming and what that means for your credit report.
Think of the credit report as reconnaissance. It shows you the balance they claim you owe and whether there are the types of errors in their reporting that you can dispute under federal law.
The Fair Credit Reporting Act (FCRA) says any consumer can dispute any credit report item that is inaccurate, incomplete, or unverifiable. The Fair Debt Collection Practices Act (FDCPA) provides additional consumer protections against collectors. However, these are not just defensive tools. These are offensive tools consumers can use to force creditors to prove what they are claiming is accurate.
Errors Are Your Leverage
Chase's history with regulatory agencies shows us that errors in their collection data are extremely common. The 2015 CFPB enforcement action found that roughly 9 percent of the judgments Chase obtained contained the wrong amount. The bank was also caught selling debts that had already been settled, discharged in bankruptcy, or were not owed at all.
If Chase is reporting any of that inaccurate information on your credit report, that is a disputable error. And when a dispute is filed properly and the creditor cannot verify the information, the credit bureau is legally required to delete it.
Once a credit report item is successfully disputed and deleted, that's permanent. There is no mechanism — or motive — for the collector to report that information again.
How to Stop Calls from 800-935-9935
Why Hiring Help Matters
If there's one thing you need to understand, it's this: Collectors prefer to deal with consumers directly because someone on the other end of a phone is far easier to push around. When you hire professional representation, everything changes.
That's because collectors know you are serious. And when collectors who were perfectly content calling you four times a day find out an experienced consumer advocacy firm is now handling your account, they often become much more willing to back off.
A credit repair company that specializes in FCRA and FDCPA disputes knows exactly where to look for errors in a creditor's reporting. And collectors know pursuing small claims in court is expensive, which is why so many accounts are resolved through the dispute process without the consumer ever having to make a payment.
Getting the Calls to Stop Without Having to Pay Anything
This is why you hear the phrase "never have to hear from them again" thrown around so much in consumer advocacy. It's not just a sales pitch. It's a routine outcome.
When a credit report item is successfully disputed and deleted, you will never have to hear from them again because the collector no longer has a credit report item to reference. No balance. No account. No leverage.
And that outcome does not require you to negotiate with a collector or admit you owe a debt. That outcome requires identifying the errors in what's being reported and using federal law to force the system to correct itself.
The FCRA and FDCPA exist for that exact purpose.
Conclusion
What Chase Is Counting On
Chase is counting on one of two things happening. Either you will pick up and pay under pressure or ignore the calls until the stress becomes too much to bear. Either way, you lose.
Those calls are designed to create a false sense of urgency. But urgency is not accuracy. And accuracy is what matters when it comes to your credit report.
Take Control Today
You do not have to live with a phone that rings four times a day from a number you dread seeing on your caller ID. And you do not have to navigate the messy dispute process all by yourself.
FightCollections.com specializes in helping consumers push back against creditors and collectors who are reporting inaccurate information and using aggressive phone tactics to force people into paying debts they may not even owe.
If you are getting unwanted calls from 800-935-9935, reach out today for a free consultation.