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Chase text scam: 3 signs that alert is fake

Editorially reviewed · Last updated September 10, 2026

This illustrated Chase alert pattern is a scam. Don't use the message's look-alike verify link. Open Chase yourself — real Chase alerts exist, including some with links.

Exhibit · Text message

Text Message · Today 8:42 AM
from +1 (555) 012-7788
Chase Bank Alert: A charge of $612.00 to AMAZON was approved on your card. If you did NOT authorize this, verify now to stop it: chase-secure-alerts[.]info/verify
Illustrative text message · not an original screenshot

Other versions you might get: A text saying your account is locked, a “did you try to log in?” yes/no prompt, or a fake fraud-department number asking you to call back and “confirm” your card and PIN.

Reported versions of this message

Each source below documented a text. Web addresses are defanged, and identifying values may be redacted; the remaining wording follows the source. Similar wording is a reason to check independently, not proof that two messages came from the same sender.

  • “Chase ALERTS : Did you attempt a wire transfer in the Amount of $3,500 on 10/28? Reply YES or NO, or STOP to end msgs. WARNING: Responding yes will result in the transaction begin paid from you Chase Acc. Msg & Data rate may apply!”
    Documented by Reddit r/Scams · October 2025
  • “Chase Bank Urgent Notice: Verification Required for Account Security Dear Chase Customer, Our security systems have detected potential unauthorized activity on your account. To safeguard your financial information and maintain the security of your account, we kindly request immediate verification. Please verify your account details using the secure verification link below: This verification must be completed within two hours to avoid temporary account restrictions.”
    Documented by Fox News · July 2025
  • “Chase Mobile Alert: We've temporarily restricted access to your account for security reasons. Please visit hxxps://chase[.]com-reboot888[.]xyz to reactivate.”
    Documented by MalwareTips · August 2023

What to do right now

  1. Don't tap the link or call any number in the text. Don't reply — even “NO” or “STOP” tells them the number is live.
  2. Check independently. Open Chase’s official app or call the number on your card. Review the claimed activity and ask support if it is unclear; a missing alert or transaction does not automatically prove there is no account problem.
  3. If you already tapped or entered anything: call Chase using the number on your card, change your password, and ask them to watch for fraud on your account.
  4. Report it. Forward the text to 7726 (SPAM), then file at reportfraud.ftc.gov.
  5. Delete the message.

Reduce the risk of another scam

Do not use the message’s link to check the claim. Open the real service yourself. If you paid or shared account details, start with what to do after a scam. Blocking and reporting can reduce unwanted contact, but they cannot stop every attempt or tell you how the sender found you.

● Public service · free steps first

Take the free protection steps first

A suspicious message does not tell us how someone found your details. If you shared personal information, start with the official recovery guidance. You can also freeze your credit for free.

Decide what protection you need

Start with the free controls above. Compare what a paid service would add only after deciding which problem remains.

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Frequently asked

Is the Chase “unusual activity” text a scam?
Not always. Chase sends genuine fraud alerts and some legitimate text messages contain links, including its documented self-service messages. Do not use a suspicious link or share a sign-in code with an unexpected caller. Open Chase yourself or call the number on your card to verify the claim.
Chase texted me a code to “confirm” or “cancel” a charge — should I share it?
Do not read a sign-in or transaction code to an unexpected caller or send it in reply to an unverified text. Scammers can use it to approve access or a payment. Read the code message’s instructions and contact Chase independently if someone claims the code will cancel fraud.
The caller ID / sender says Chase — doesn't that mean it's real?
No. Chase says scammers can “spoof” numbers so the caller ID or sender shows Chase even when it isn't. A spoofed name proves nothing. When in doubt, don't use the number or link in the message — call the number on the back of your card.
“Chase” says my account is compromised and I need to move my money to a new account — is that real?
No, and this is the moment the money actually disappears. Chase names this exact move as a scam: the caller says there's fraud on your account and that they've helpfully opened a “new” account for your remaining funds, then asks you to send it there by Zelle, wire, or a digital wallet. Those accounts belong to the scammers, and Chase warns that once the money is sent, it's unlikely you'll get it back. A real bank never needs you to move your money to keep it safe. Hang up and call the number on the back of your card.
The “Chase” caller says a branch employee is in on the fraud and told me not to say why I'm withdrawing — is that a real investigation?
No. Chase flags this as a more sophisticated spin on the same scam: the caller claims someone at your local branch was implicated in fraud on your account, uses that as the reason you must move money to a new account or digital wallet, and tells you to lie to other bank employees about why you're transferring or withdrawing — claiming they might be in on it too. Chase is blunt that no reputable bank would ask you to do this. Banks don't recruit customers into sting operations, and they don't ask you to lie to their own staff. Hang up and call the number on the back of your card.
Does forwarding a scam text to 7726 actually do anything?
Yes — 7726 goes to your own carrier's security team, not into a void, and it's free on all three big networks. Verizon says that reporting a message as junk or forwarding it to 7726 sends it to Verizon's security team for review, and that it uses the data to identify and block future spam. T-Mobile says there's no charge to report spam, that forwarded messages don't count toward your plan, and asks you not to edit the message or add comments — it replies by SMS to confirm it arrived. AT&T says the same about cost, and adds that if you can't see the sender's number you should email the whole message to abuse@att.net. What it won't do is undo a payment — if you already sent money or gave card details, call your bank first, then report.

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Sources

  1. 01How to Identify Bank Impersonation Scams— Chase
  2. 02Don't click on that random text. It's a scam.— Federal Trade Commission
  3. 03How to report suspicious text messages to Verizon— Verizon
  4. 04Help with scams & spam— T-Mobile
  5. 05How To Recognize and Report Spam Text Messages— consumer.ftc.gov
  6. 06Chase self-service text messages— chase.com

Pass it on

Help protect someone else

If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. It's safe to forward, and stands on its own as a record for a bank or the police.