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.

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.

How can I contact the credit reporting agencies and check fraud agencies?

Credit Reporting Agencies:

• Equifax 1-800-685-1111 Fraud Reporting: 1-800-525-6285

  PO Box 740256, Atlanta, GA 30374-0256

• Experian (formerly TRW) 1-888-397-3742

  PO Box 1017, Allen, TX 75013

• TransUnion 1-800-888-4213 / 1-800-680-7289 / 1-800-916-8800

  PO Box 2000, Chester, PA 19022

Check Fraud Agencies:

• TeleCheck 1-800-710-9898  
• Opt-Out (pre-approved credit) 1-888-5-OPT-OUT (1-888-567-8688)
• NCUA Fraud Hotline (Bogus CU Ads) 1-800-827-9650
• Federal Trade Commission 1-877-438-4338 (ID Theft) 1-877-382-4357 (FTC Help)
• Better Business Bureau 1-703-276-0100
• Social Security Administration 1-800-269-0271
• Privacy Rights Clearing House 1-619-298-3396 1-619-298-5681/FAX
• Internet Crime Complaint Center (IC3) 

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.

View the Delta Community Privacy Policy and Opt-Out Notification for more information. If you have any additional questions, call 800-544-3328.