A hand swiping a debit or credit card
Protecting your account and card security is our priority.  Mocse Credit Union would never call and ask you to provide your full credit card number or account information.  It is important to notify us immediately if you feel that you may have been a victim of any type of fraud.  

Merchant data breaches impact all of our members. Click here for more information on merchant data breaches and how you can take action.

To Report Fraud:

Call: (209) 572-3600 or (800) 44-Mocse
Visit a Branch: Branch locations click here.

We are here to help:

  • We use enhanced fraud monitoring and detection tools 24 hours a day 7 days a week to detect and prevent fraud on all accounts.
  • If suspicious activity is detected you will be contacted by our Card Member Security team. The Card Member Security team consists of live agents and an automated phone assistant.
  • Card Member Security team will contact you from the following phone numbers:  (They may ask you for your full social security number to verify your identity)
  • Debit Cards 888-241-2440 or  877-276-3721
  • Visa Credit Cards 866-374-6975 or  727-227-2447
  • To ensure we provide you the best service possible it is important that we have your up to date contact information on file at all times.
  • You have zero liability for Mocse card transactions when you notify us in a timely manner.
  • It is critical that you monitor all activity on your accounts for fraudulent transactions and report them to us immediately.
  • If your card is identified as compromised we will send you a letter and re-issue new card(s) immediately.

Cyber Crime 

Anyone who believes they have been a target of a cyber-crime should immediately contact their financial institutions and promptly report it to the Internet Crime Complaint Center’s (IC3) website. The IC3’s complaint database links complaints together to refer them to the appropriate law enforcement agency for case consideration. The IC3 also uses complaint information to identify emerging trends and patterns.

www.ic3.gov


Identity Theft 

If you suspect identity theft, you may need to place a fraud alert on your credit report, close compromised accounts, file a complaint with the FTC, or file a police report. Start by visiting the Federal Trade Commission’s (FTC) identity theft website or by calling their Identity Theft Hotline toll-free at 1-877-ID-THEFT (438-4338). The FTC places the reported information into a secure consumer fraud database and shares it with local, state, and federal law enforcement agencies.

www.consumer.ftc.gov


Phishing 

Beware of Phishing! Don’t click on links in e-mails that ask for personal information. Never open unexpected attachments. Delete suspicious messages, even if you know the source.

Phishing is when internet fraudsters impersonate a business in an attempt to trick you into giving out your personal information, such as usernames, passwords, and credit card details. Legitimate businesses don’t ask you to send sensitive information through insecure channels.


SMishing 

SMishing is a combination of “SMS” and phishing. SMishing uses cell phone text messages or SMS (Short Message Service) in order to get you to share your personal and financial information. The method used to obtain information in the text message may be a web site URL. It has become more common to see a phone number that connects to an automated voice response system.


Unsolicited Text Messages 

An unsolicited text message sent to cell phones urge the recipient to call a number provided for information about account discrepancies and then solicits individual account information and pin numbers. Cell phone users should be wary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware1 in conjunction with their text message solicitation.


Vishing 

The term vishing is a combination of "voice" and phishing. Vishing exploits one’s trust in telephone services. The victim is often unaware that voice over Internet Protocol (VoIP) allows caller ID spoofing, providing anonymity for the fraud caller. Rather than provide any information, consumers should contact their financial institution or credit card company directly to verify the validity of the message using contact information they already have (do not use contact information provided in the suspicious message).

The links below contain valuable tips and information on identity theft as well as other resources concerning fraud prevention.


Credit Reporting Agencies 


Identity Theft 

Not a Member? You Could Be! 1-800-44-Mocse or (209)572-3600