As credit, debit, and ATM card fraud continues to rise nationwide, the need for Fraud Prevention Services becomes increasingly necessary.
Take the Worry out of Plastic Card Fraud
At Corning Credit Union, we are taking steps to combat fraud by utilizing a fraud prevention service. This service enables us to detect any unusual activity on your Visa® credit or debit (CU-Extra® or X-treme) card or ATM (M.O.M.®) card. If it detects suspicious transactions on your account, a fraud specialist from Fraud Prevention Services will contact you.
Please be aware, in the event a fraud specialist is unable to reach you, there is the potential that a block may be placed on your card. This block is a proactive effort to prevent unauthorized card use. If you experience a block or a decline, call Corning Credit Union for assistance.
If an automated fraud specialist calls you...
You may receive a call from an automated system (not a live person). The system will state the call is from Visa Fraud Prevention Services calling to verify recent transactions on your Corning Federal Credit Union Visa card. The following directions are what you can expect when an automated caller calls:
1. The automated caller will instruct you to choose your language preference.
2. Once a language is selected, the system will state the cardholder name and ask you to choose a prompt to identify if you are the primary or secondary cardholder.
3. Next, the system will request two identifying pieces of information such as:
- Billing zip code.
- Last 4 digits of the primary cardholder's social security number (notice that your full social security number is not being requested).
- The primary cardholder's date of birth in month/year format.
4. The system will then state the last 4 digits of your card number.
5. Finally, the system will request that you stay on the line and choose prompts to verify the transactions in question. At no time during the automated call are you prompted to give your card number, PIN, expiration date, security code, full social security number, or member account number.
In the event the automated system receives your voicemail or answering machine, the service will identify the call is on behalf of Corning Federal Credit Union for the card ending in (the last 4 digits of your card number will be stated). For debit cards (CU-Extra, X-treme or MOM), the system will prompt you to call back to verify the transactions in question and will provide the following toll-free phone number: 888-918-7313. For a Visa credit card, the system will provide the following toll-free phone number: 866-436-1968.
If a live (not automated system) fraud specialist calls you...
You may also receive a call from a live fraud specialist who will begin the call by asking you to provide some information to help verify your identity. He or she will provide a partial piece of information and ask you to complete it.
"I see that you live in (city, state).
Would you mind verifying the zip code, please?"
"You live on (street name).
Could you please verify the house number?"
"I have the first 3 digits of your social security number as (###).
Could you please verify the middle two digits only?"
"I see that you live in (city, state).
Would you mind verifying the zip code, please?"
You will never be asked to provide your full social security number, birth date, home address, or the 3-digit security code on the back of your card.
If, at any time, you are not comfortable providing this information, please contact Corning Credit Union directly.
After verifying your identity, the fraud specialist will then seek to verify recent transactions on your account.
If there is activity on your account that you have not authorized, the fraud specialist will block your card to prevent any further unauthorized use and then refer you to CCU for additional assistance. Remember, Visa's Zero Liability Policy* protects you from unauthorized use of your Visa Credit or Debit Card.
If you suspect fraud, if your card has been lost or stolen, or if you are experiencing difficulty using your card, call CCU at 607-962-3144 or 800-677-8506. After business hours, listen to the automated menu. Prompts will be given to report a card lost or stolen and to reach Fraud Prevention Services.
What can you do to help?
- Always keep your contact information current by notifying us of any changes.
- If you will be traveling internationally, call us before leaving to alert us and update your contact information, if necessary.
- Contact us immediately if you believe your Visa Credit or Debit (CU-Extra or X-treme) Card, ATM (M.O.M.) Card or PIN has been lost or stolen.
- Regularly review your statement(s) for unauthorized transactions and contact CCU immediately if you discover fraudulent activity.
- Always sign the back of your cards upon receiving them.
*Visit our online security center for more information about fraud prevention.