untrappable

Chase text scam: 3 signs that alert is fake

Editorially reviewed · Last updated July 25, 2026

Yes — this is a scam. Chase doesn't text you a link to "verify" your account or stop a charge.

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
The Text message, as received

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.

Word-for-word versions going around

Each of these is a real text, quoted exactly as people received it. If yours matches one — even loosely — it’s the same scam.

  • “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 https://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 it the real way. Open the Chase app yourself or call the number on the back of your card. Any real charge or alert will be there.
  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.

How to make sure it never bites you

You got this because your number is on a list scammers buy and resell, and "Chase" is a safe guess that lands with millions of people. Getting your number off those lists is the real fix — see how to stop spam texts for good.

Untrappable · Public service advisory

Stop the next one at the source

You got this because your details are on lists that get bought, sold, and leaked. You can't unspill that, but you can make it useless to a scammer. Start with the free steps — they do most of the work.

Optional — if you'd rather it was handled for you

If you'd rather have it watched for you, an identity-protection service monitors your accounts, SSN, and the dark web, warns you the moment something new appears, and helps you recover if someone gets through.

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Frequently asked

Is the Chase “unusual activity” text a scam?
Not always — but the version with a link is. Chase does send real fraud alerts by text when its monitoring flags unusual activity. The difference is what it asks you to do: a genuine Chase alert never sends a link to “verify” your account and never asks you to share your password, PIN, card number, or a one-time code. If the text pushes you to tap a link or read back a code, it's a scam. Don't act on the text — open the Chase app yourself or call the number on the back of your card.
Chase texted me a code to “confirm” or “cancel” a charge — should I share it?
No. Chase warns that scammers ask you to “confirm” a card number, CVV, PIN, or one-time passcode to cancel a transaction — but entering or sharing that code can actually approve a purchase or sign-in the scammer started. Chase will never call or text to ask you to read back a one-time code. If someone does, hang up or stop replying and call Chase directly.
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.

Related scams

Sources

A public service

Help protect someone else

Scams spread because people stay quiet about them. If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. Passing it on is the easiest good thing you'll do today. It's safe to forward, and stands on its own as a record for a bank or the police.