I am seeing transactions on my account that are fraudulent. Do I need to file a police report?
You may block your card within Online Banking by selecting Card Management under the Additional Services tab. You can also order a replacement card here.
To report the fraudulent charges, contact Delta Community as soon as possible at 1-800-544-3328 or 404-715-4725 to block the card and obtain the paperwork that is needed for reporting the unauthorized activity. The fraud analyst will determine if you need to obtain a police report after reviewing your paperwork.
How can I contact the credit reporting agencies and check fraud agencies?
Visa Fraud Prevention Services blocked my card and my purchase was declined. What should I do?
Visa Fraud Prevention Services monitors member activity to determine unusual, potentially fraudulent activity.
Before blocking a card, Visa Fraud Prevention Services may attempt to phone you on your cell phone or home phone as provided to Delta Community Credit Union. Therefore, it is very important for you to keep contact information regularly updated with the Credit Union.
If a temporary block is placed on a card causing valid transactions to be denied Visa Fraud Prevention Services will contact you (between 8:00 a.m. and 8:00 p.m. your local time) to begin the process of confirming activity or verifying fraudulent transactions and closing the Visa Fraud case.
If you are traveling internationally and receive a call from Visa Fraud Prevention Services and are unable to reach them at the number above, we have a list of Visa international toll-free numbers. When you contact the Visa call center, you will need to notify them you were contacted by Visa Fraud Prevention Services regarding suspected fraudulent activity.
If you are traveling and are unable to contact us by phone, you may log into Online Banking and submit a request through Contact Us under Additional Services from within Online Banking to confirm the activity in question. Within the message you will need to confirm whether all pending and posted charges as of today on the account are valid. We will provide the appropriate steps to complete the process in our response. Be advised it may take Visa 2-3 hours to update the system.
The next time you have travel plans, you can use Delta Community’s Card Management self-service tool to alert Visa of upcoming travel. Travel notices give you a reduced risk of denials to complete purchases while traveling. You can conveniently manage your cards in our Mobile App or Online Banking.
Fraud text alerts can be sent directly to your mobile phone if unusual activity appears on your Delta Community Visa® Debit or Credit Card.
Here is some key information you will need to know:
Messaging frequency depends on account activity
Text the following SMS commands to 23618:
HELP - For help or more information
STOP – To cancel fraud text messaging services at any time. Or, you can reply STOP to any text fraud alert you receive.
For Fraud Alerts support, call 800-544-3328. This service is free from Delta Community; however message and data rates may apply from your mobile carrier.
Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within coverage, factors beyond the control of any carrier may interfere with messages delivery for which the carrier is not responsible. No carrier will guarantee that alerts will be delivered.
Fraud can happen at any time to anyone, and it doesn’t matter how informed, well-educated or experienced someone is; crooks just have too many methods ...
Uncover ways to protect yourself or your loved ones from financial abuse as you age. Learn how scams, fraud and exploitation cause financial loss for ...
Network Data Book 2021”: “The median loss for all fraud reports in 2021 is $500. Among the top 10 frauds reported, the median individual losses were ...
Disappearing but cashed checks could mean you’re the victim of a veteran, but evergreen, type of fraud known as “check washing”. Check washing is when ...
