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Credit Card Fraud Prevention and Security

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  • Details
  • Data Breach Information
  • We have increased our VISA® fraud security to better serve you!

    Credit card fraud impacts all of our members, primarily because the credit union has to absorb the losses incurred, which, in turn, affects what we pay our members in interest on deposits and charge on loan rates and fees. Additionally, it creates inconveniences for you, our member-owner.

    In an effort to help protect you and your VISA® credit cards from fraud, Truliant has placed stricter measures on them, and we ask for your assistance to further minimize these risks. With your help, we can better control card losses and provide better value to our member-owners.

    What can you do to help protect yourself?

    • Make sure we always have your most current contact information, including your cell phone number and email address, so that we can easily reach you if potential fraud were to occur on your credit card.
    • Call us or log into Online Banking and choose "Additional Services" if you will be traveling out of state, internationally or outside of your normal usage area to submit a Travel Notification. This will ensure your transactions will be processed during your travel.
    • Contact us immediately if you believe your VISA® credit card or PIN has been lost, stolen or compromised.
    • Regularly review your statement(s) or online banking account for unauthorized transactions and contact us immediately if you discover fraudulent activity.

    Truliant's VISA® Fraud Prevention Services

    Truliant's VISA® credit cards are monitored 7 days a week, 24 hours a day for fraud detection.

    You may be contacted by our Voice Response Unit (VRU) or a live representative between the hours of 8 a.m. and 9 p.m. to verify that your transactions are valid. If you are unavailable, a message will be left for you to call 800-238-8604. If we do not hear from you, we may block your card at our discretion due to protect you against any potential fraud. This block is a proactive effort to prevent unauthorized card use. If you experience a block or a decline, immediately call 800.822.0382 for assistance.

    Upon receiving a call from our fraud specialist, you will be asked for the following information to verify that you are the card holder:

    • Your name as it appears on the card 
    • The last four digits of your Social Security number
    At no time during the call will you be prompted to give your card number, PIN, expiration date, full social security number, the three-digit code on the back of the card or your member account number.  Please do not give this information out to anyone. Our VISA® Fraud specialist will never ask for this information.

    If the charges are valid, you may continue to use your card. If the charges are not valid, your card will be blocked to prevent any further fraudulent activity. You will then need to contact Truliant directly to report the fraud and order a replacement card.

    At times, some transactions may be restricted:

    In effort to try and combat fraudulent activity, Truliant may from time to time limit certain types of transactions. If your card is declined at the point of purchase, please immediately call the phone number on the back of your Truliant VISA® credit card. Upon verifying your identity, we may then enable the transaction for your convenience.

    If you suspect fraud, if your card has been lost or stolen, or if you are experiencing difficulty using your card, call Truliant at 800.822.0382 (toll free) and say "My Personal Account" and then "Credit Card."  After business hours, listen to the automated menu. Prompts will be given to report a lost or stolen card and to reach Fraud Prevention Services.

    Compromised Cards:

    Occasionally we receive notification of a data breach that occurred at a merchant or a merchant’s transaction processor where credit card data may have been compromised. Truliant may reissue and block these compromised cards and contact the cardholder by phone or letter. A new card with a new card number will be issued and mailed to you and upon activating the card you will be able to create a pin number.

    It is always important to have your most current contact information on record with Truliant, including your cell phone number and email address. We may be unable to contact you about a suspicious charge if we don’t have your current contact information.

  • WAWA Convenience Store and Gas Station Data Breach

    (1/27/2020)  The WAWA convenience store and gas station chain recently acknowledged that some of its locations incurred a data breach from March 4, 2019 to December 12, 2019. WAWA stores are located in Virginia (including the Richmond Area), Pennsylvania, New Jersey, Delaware, Maryland, Washington, D.C., and Florida. 

    We are taking a proactive position and Truliant members whose cards indicated activity at WAWA during this time period are in the process of being notified and will be issued new cards.

    Please visit our Avoiding Fraud Page for complete information on the WAWA data breach.