CCU's Fraud Prevention Services
Let us take the worry out of plastic card fraud.
Credit, debit and ATM card fraud is on the rise nationwide. The number of incidents and their resulting losses increases every year. 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®) 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 a fraud specialist calls you...
The fraud specialist 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. Questions will always be phrased like this:
"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?"
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 a fraud specialist leaves a message for you.
The fraud specialist will always include the last 4 digits of your card number in the message. When you return the call, an automated phone system will guide you through the process of verifying your recent transactions.
Step #1: The phone system will indicate you've reached Corning Federal Credit Union's Fraud Prevention Services.
Step #2: You will be asked to choose a language preference.
Step #3: Press 1 to begin verifying your transactions. You will be asked to enter your 16-digit card number.
Step #4: The phone system will either continue to lead you through the verification process, or you will be transferred to a case manager. Please note: if you prefer to speak to a case manager, press 0 at any time during the call.
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) 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.
