The caller claims to represent Chase Bank. The threats sound official enough: pay your overdue debt immediately or face arrest, wage garnishment, account seizure. But when consumers call Chase directly to verify, the bank tells them something disturbing. That number doesn’t belong to us.
+1 (847) 426-9203 has generated thousands of complaints across consumer protection websites, with victims reporting relentless harassment that bears the hallmarks of phantom debt collection. On December 22, 2025, the Better Business Bureau officially classified the number as a “Bank/Credit Card Company Imposter” scam. Chase Bank has reportedly told multiple consumers that 847-426-9203 is not a number they use for debt collection or any other purpose.
Yet the calls keep coming. Dozens per day for some victims. Always the same threats. Always demanding sensitive financial information.
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Multiple Confirmations Point to Fraud
Consumer reports reveal a consistent pattern. When victims receive calls from 847-426-9203 and verify directly with Chase, the bank disavows any connection to the number.
“I just called Chase. I do have a Chase account, and they told me they are in no way affiliated with this number,” one consumer wrote on CallCenter.com. Another reported to 800notes.com: “I contacted Chase Bank and they are reporting this to their fraud department. This is a phishing scam.”
Chase typically uses toll-free numbers starting with 800, 866, or 877 for legitimate customer service and collections. The 847 area code serves northern Illinois suburbs, including East Dundee, a village of roughly 3,000 residents located about 40 miles northwest of Chicago.
RoboKiller, a spam call blocking service, lists 847-426-9203 in their database with a stark warning: “Fake Chase Card Services phantom debt collection scam. Chase has confirmed that 847-426-9203 is NOT a number that they use.”
Harassment on an Industrial Scale
The volume and intensity of calls from this number exceed normal debt collection practices.
Maria from California logged her experience on America’s Consumer Lawyer: “I’ve already gotten 7 calls from this number today and it’s only 1:30pm. This happens every day and we closed our account with Chase Bank last week.”
Common experiences reported across complaint boards include:
Call frequency: 7 to 12 attempts daily, sometimes more
Behavior patterns: Hang-ups when answered, no voicemails left
Information demands: Full Social Security numbers, complete 16-digit credit card numbers
Threats: Immediate arrest, lawsuits, frozen bank accounts, termination of employment
When consumers do speak with callers, they report scripted conversations with heavy accents and requests that legitimate collectors would never make. One victim noted the caller insisted they say “yes” to verify their identity, a tactic scammers use to record voice authorizations for fraudulent charges.
“This number calls several times a day. No one on the line,” wrote one frustrated consumer. “If it was truly Chase, I’m sure they would be leaving messages or sending letters stating what they’re trying to reach me for.”
Federal Crackdown Reveals Scale of Phantom Debt Schemes
The tactics reported from 847-426-9203 mirror operations the Federal Trade Commission has been dismantling throughout 2025.
In March, the FTC obtained a federal court order halting Blackstone Legal Group and associated companies operating under names like Blackrock Services, Capital Legal Services, and Viking Legal Services. The scheme sent deceptive collection letters and made threatening calls claiming consumers owed debts that never existed. When victims visited websites set up by the operators, they faced false warnings about wage garnishment and lawsuits.
Two months later, in May 2025, the FTC permanently banned Global Circulation Inc. and its owner Kenneth Redon III from debt collection. That operation collected more than $7.6 million by threatening consumers with jail time and lawsuits for debts they didn’t owe. The company frequently claimed affiliation with legitimate lenders to trick victims into paying.
Both operations shared tactics with complaints about the 847 number: multiple daily calls, threats of immediate legal consequences, and demands for payment to avoid arrest. The FTC estimates phantom debt schemes have cost American consumers hundreds of millions of dollars.
The Technology Making It Possible
Scammers don’t need physical presence in East Dundee, Illinois to make calls appear from that location. Caller ID spoofing technology allows operations anywhere in the world to display whatever number they choose on victims’ phones.
Voice over Internet Protocol services, widely available and inexpensive, enable overseas call centers to route calls through U.S. phone networks with local area codes. India’s Department of Telecommunications reported that between October 2024 and January 2025, the country blocked over 20 foreign carriers responsible for routing spoofed calls, reducing spoofed call volumes by 90 percent. At the peak, India was seeing 15 million spoofed calls daily.
Despite these efforts, scammers adapt quickly. They shift to new carriers, new numbers, new spoofing methods. The 847-426-9203 number likely represents one small piece of a much larger operation cycling through hundreds of spoofed numbers.
What Legitimate Debt Collectors Actually Do
Real debt collection follows strict federal rules under the Fair Debt Collection Practices Act. Legitimate collectors must:
Send written validation notices within five days of first contact
Identify themselves as debt collectors attempting to collect a debt
Provide the name of the original creditor
Stop calling if you request communication in writing only
Avoid threats of arrest or legal action they don’t intend to take
They cannot call before 8 a.m. or after 9 p.m. in your time zone. They cannot call your workplace if you tell them your employer prohibits such calls. They cannot harass you with repeated calls intended to annoy.
When consumers report experiences with 847-426-9203, virtually none of these requirements appear to be followed. No written notices. No debt validation. Just threats and demands for immediate payment via methods legitimate collectors don’t use.
Protecting Yourself From This Number
If 847-426-9203 appears on your caller ID:
Do not answer. Block the number through your phone’s settings or carrier.
Do not provide information. Never give Social Security numbers, account numbers, or payment details to unsolicited callers claiming you owe debt.
Do not say “yes.” Scammers record affirmative responses to authorize fraudulent transactions.
Contact your creditors directly. Use phone numbers printed on your billing statements, not numbers provided by callers.
Request written validation. If you do owe debt, legitimate collectors will send documentation showing the debt amount, original creditor, and their authority to collect.
Report the calls. File complaints with the FTC at ReportFraud.ftc.gov, the Better Business Bureau’s Scam Tracker, and your state attorney general.
For consumers who already shared information with callers from this number, monitor your credit reports closely for unauthorized accounts or inquiries. Consider placing fraud alerts with the three major credit bureaus.
The Number Chase Doesn’t Recognize
The evidence points in one direction. Consumer reports of Chase disavowing the number. The Better Business Bureau’s imposter classification. Harassment patterns that violate federal debt collection law. Technology that allows overseas scammers to appear local.
Chase Bank operates one of the largest credit card portfolios in America. When the bank collects legitimate debts, it doesn’t need to hide behind spoofed Illinois phone numbers or threaten arrest for payment. It certainly doesn’t need to call the same person 12 times in a single afternoon.
If your phone shows an incoming call from +1 (847) 426-9203, you’re not getting a call from Chase Bank. You’re getting a call from someone pretending to be Chase Bank. And that difference matters when your financial security hangs in the balance.
