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Fraud and Security Center


Mocse Credit Union would never call and ask you to provide your credit card number, account information, or tell you to download anything. It is important to notify us immediately if you feel that you may have been a victim of any type of fraud.


Active Scams

  • Scammer calls instructing people to download apps
    People in our area are receiving calls from scammers, sometimes claiming to be from Apple. They instruct the victim to download an app to their phone or iPad. The app gives the scammers complete access to the device. They then see where the victim banks, and tell the victim that there is internal fraud at their bank, and they should withdraw money to be deposited into a different ATM machine. NEVER follow any instructions from any unsolicited caller.
  • Scammer calls impersonating Card Security Teams at banks and credit unions
    ​People in our area are receiving calls from scammers who claim to be from the credit card security team, and tell the victim there may have been fraudulent charges on their card. They convince the victim to divulge personal information and account information. ​
  • It is very important that if you suspect you are speaking to a fraudster to hang up and call Mocse directly or come by any one of our branch locations to verify if we’ve been trying to contact you.

Please remember the following:

  • Never provide personal information in response to a SMS Text, email or by phone even if they appear to be from the credit union. Contact the credit union directly regarding this contact.
  • ​Never give your password, username or a one-time passcode for Online Banking. These are things the credit union will never ask you.
  • ​Never give your full account number, debit or credit card numbers.
  • ​Review your accounts often to ensure all transactions are yours.

It is very important that if you suspect you are speaking to a fraudster to hang up and call Mocse directly or come by any one of our branch locations to verify we’ve been trying to contact you.


To Report Fraud:

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


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. The Fraud Detection Service may contact you from the following numbers: 833-735-1894, 800-279-2674 or 877-253-8964. If you miss their call and need to contact them back, please contact them using the 877-253-8964 number.
  • 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.


Fraud Text Alerts

Mocse Credit Union utilizes 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, a block will be placed on the card until you, the cardholder, can be reached. Contact will be attempted by our Card Member Security team, which currently consists of live agents, an automated phone assistant, and email.

Members have the option to receive a text message when suspicious activity is detected. Any member with a cell phone number on file will receive the initial enrollment request via a message stating Mocse Credit Union Fraud Alerts. Reply YES to enroll. Reply HELP for help, STOP to cancel. Msg & Data Rates May Apply. If you choose to enroll, you will receive a confirmation message stating Mocse Credit Union Fraud Alerts. Thank you for enrolling. Reply HELP for help, STOP to cancel. Msg & Data Rates May Apply. At this point, you will be able to communicate with our fraud department via text message, should a case be created in the future.

Once a case is created, you would receive a message reading Mocse Credit Union Fraud Alert: Did you attempt a transaction on card ending in (last 4 of card number) at (Merchant Name and Location) for (Dollar Amount)? Reply YES or NO. Based on your reply to this message, you will receive a follow up message with instructions what to do next.

If you have questions during any point in this process, please reach out to our Phone Center at (209)572-3600 Monday through Thursday 9a.m.-5p.m., or Friday 9a.m.-6p.m.

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


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.


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.



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 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.



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

Spoofing Calls! Do not give your personal information (i.e., Online Banking Credentials, Verification Codes, Account Numbers, SSN, or PIN number) to anyone.