Chase texted "did you make this $X charge", is this a scam?
Last reviewed: 2026-08-01 · Checked with Hunch’s on-device engine, the same one inside the extension. How Hunch checks →
Part of our guide: How to recognize a bank-impersonation scam →
This is bank-impersonation phishing, so be very skeptical. The tell is the setup: confirm a charge, then verify at chase-verify.example before a 24-hour clock runs out. Chase's own fraud alerts stay inside the account relationship you already hold and would never hand you off to a look-alike domain. Watch for what comes next, too: a caller pretending to be Chase fraud leans on your reply to steer you into moving money or reading back a code.
Got a message like this? Paste it here →
A fraud alert from your own bank is something people are told to take seriously, so a fake one borrows that trained trust. The scam counts on you reacting to protect your account; the reply and the chase-verify.example link simply set up a convincing "fraud department" call that turns your caution into a transfer to the thief.
Illustrative example of the pattern, not a real message someone received.
How to verify it yourself
- Don't reply and don't tap the link. Open the Chase app or type chase.com yourself and check recent transactions.
- Read the domain: Chase uses chase.com, not chase-verify.example or any add-on host.
- If someone calls claiming to be Chase fraud, hang up and call the number on the back of your card.
- No legitimate bank asks you to move money to a "safe account" or read out a one-time code.
Common questions
is chase-verify.example a real Chase website
No. Chase uses chase.com. chase-verify.example is a look-alike built to capture your login or set up a fake fraud call.
should I reply to a Chase did-you-make-this-charge text
No. Replying confirms your number is active and invites a follow-up "fraud department" call. Check the Chase app directly instead.
how does the fake Chase fraud alert scam work
The text opens the door; a caller posing as Chase then convinces you to move money to a "safe account" or share a code, handing your funds to the scammer.
how do I check a real Chase charge
Open the official Chase app or chase.com and review transactions. If the charge isn't there, the text was bait, no reply or link needed.
If you already responded
- If you shared a code or moved money, call Chase immediately using the number on your card and ask to freeze and reverse.
- Change your online banking password and turn on transaction and login alerts.
- Report it at reportfraud.ftc.gov and tell Chase it was an impersonation text.
Source: FTC, How To Recognize and Avoid Phishing Scams
Hunch is not affiliated with Chase. Chase is named only to describe a scam that impersonates it; the real Chase does not send these messages.