Chase Bank's fraud service is actually pretty tough. However, it's made it challenging for me to buy a new laptop. First I had to order a new laptop from Dell, then call Chase Bank to approve the purchase. But, Chase keeps the existing order denied, and instead requires me to place a second order through Dell. I have only 24 hours to place that order. Then, the Dell will automatically delete the first order they figure out they can't get paid for it.