Is this Chase 'your card was used for $320, reply NO to verify' text 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 →
Yes. A 'Chase card used for $320 at an unfamiliar store, reply NO if this wasn't you and verify your account within 24 hours' text linking to chase-alert.example is a bank-impersonation phish. The two legitimate channels for a fraud alert are the Chase app and the number on your card, not a look-alike link that shows up in a text. That reply-NO prompt is only there to confirm your number is live, and the 'verify' page is built to steal your login.
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Chase is one of the largest U.S. card issuers, so a fake fraud alert reaches a huge pool of real customers and even bluffs non-customers into worry. The scam mimics the exact format of genuine transaction alerts, including the reply-to-dispute prompt, which is why it's so convincing. It exploits the very vigilance banks encourage, spotting a suspicious charge feels responsible, and 'verify your account' feels like the correct next step.
Illustrative example of the pattern, not a real message someone received.
How to verify it yourself
- Don't reply NO, any response just confirms your number to the scammer.
- Call the number on the back of your Chase card and ask if a charge is genuinely pending.
- Check the Chase app directly; chase-alert.example is a look-alike, not chase.com.
- Chase never asks you to 'verify your account' on an outside domain to dispute a charge.
Common questions
is chase-alert.example a real Chase website
No. Chase uses chase.com and its app. A '-alert' host on .top is an impersonator's page built to capture your Chase login and card details.
should I reply NO to a Chase fraud text
No. Replying anything confirms a real person reads that number, inviting more scams. Verify only through the Chase app or the number on your card.
does Chase make you verify your account on a link
No. Chase handles disputes in-app and by phone with the number on your card, never by sending you to an outside 'verify' page under a deadline.
is a Chase card charge alert text a scam
Yes, when it pairs a reply-NO prompt with a look-alike link and a 24-hour clock. Those are the signs of card-alert phishing.
If you already responded
- If you entered login or card details, call the number on your card and have the account secured or reissued.
- Change reused passwords, enable two-factor authentication, and review recent transactions.
- Report the phishing at reportfraud.ftc.gov and to Chase.
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.