Skip Navigation

Card Fraud Prevention & Security

We have increased our VISA® fraud security to better serve you!
Card Fraud Prevention & Security



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 I do to protect myself?

  • 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 Digital Banking and choose "Additional Services" and submit a Travel Notification if you will be traveling out of state, internationally or outside of your normal usage area. 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.

How does Truliant monitor and respond to potential card fraud?

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 866.673.6579 (or is this number 800.238.8604? The article mentions both.). 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.

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

  • Your zip code

If they leave a message and you return their call, you will be asked to verify your identity:

  • Full address (including street, city, state, zip) as it appears on the account

  • The last four digits of your social security number

  • Your date of birth

  • If your full card number was entered incorrectly via the automated system prior to speaking to an agent, you will be asked for your full card number.

At no time during the call will you be prompted to give your PIN, expiration date, full social security number, and 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 and a new card issued.

You will then need to contact Truliant directly to report the fraud and order a replacement card.

 

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 new 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.

Why is a transaction being declined when I have funds?

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 your card has been lost or stolen, you suspect fraud or you are experiencing difficulty using your card, please call Truliant at 800.822.0382 and say "My Personal Account" and then "Debit Card."  You may also report a lost or stolen card and reach Fraud Prevention Services after business hours. Simply follow the phone menu prompts.