Thanks for the response Dr J. Called back and got another person at Chase that explained they could investigate without a cc number change if it was a purchase I recognized that was not fulfilled or ohad incorrect charges, but if I didn't know the merchant, it goes to the fraud department and a new card needs to be issued. I googled the merchant and only came up with a site where others reported the same merchant and this site ranked the merchant as questionable. The good news is when Chase created a new credit card number, my card in my Apple wallet was updated immediately and was usable.

So many times the merchant listing on the cc bears little resemblance to the actual merchant's name. This month I had a merchant listed as just a bunch of numbers. Turned out it was local movie theater. As a result there are often transactions we don't recognize that are legitimate. Each time we question a charge should not necessarily mean changing the card number.