Visa® Falcon Fraud SMS/Text Alerts for TDECU Debit Cards
TDECU – Your Credit Union works with Visa Falcon Fraud protection services to continuously monitor your TDECU debit cards. This service helps identify and prevent fraudulent transactions. If any transactions that are unusual or outside of your normal spending patterns occur on your card, this may prompt Visa Falcon Fraud to contact you to confirm the transaction(s).
If you have a TDECU debit card and you have a cell phone number on file with us as of June 4, 2018, Visa Falcon Fraud will send you Fraud Alerts via text messages.* If you do not have a cell phone number on file with us, Visa Falcon Fraud will contact you at the home phone number we have associated with your account. To add a cell phone number or update your contact information, please call us at (800) 839-1154 or visit your nearest TDECU Member Center. This ensures we have the most up-to-date information on your account.
Once you are notified by Visa Falcon Fraud and inform them the transaction in question is unauthorized, they will immediately block the card. You will then need to contact TDECU so we can help you with next steps, including the dispute process and options for issuing you a new debit card.
Please note: Visa Falcon Fraud will verify your identity, but they will never ask you for your full debit card number, expiration date, or the security code on the back of your card.
Here's more information on how Visa Falcon Fraud Alerts work:
|Text Message Alerts||Voice Call Alerts|
|Enrollment||If you have a TDECU debit card and you have a cell phone number on file with us as of June 4, 2018, Visa Falcon Fraud will send you Fraud Alerts via text messages.*
To add a cell phone number or update your contact information, please call us at (800) 839-1154 or visit your nearest TDECU Member Center.
|If you do not have a cell phone number on file, Visa Falcon Fraud will call you at the home phone number we have on your account.|
|Notifications received from||32874||(800) 839-1154|
|1st Notification||A text message will be sent to cell phone number we have on file. The text message will provide the last 4 digits of the card number used, the amount of the transaction, the name of the merchant making the charge, and provide you with the reply options. Reply YES if the transaction is authorized or reply NO if it is unauthorized. You will also have the option to opt out of alerts by replying STOP.||You will be called and prompted to authenticate your identity. The Visa Falcon Fraud representative will not ask for complete information such as full social security number or full card number.
You will then have the option to indicate if the transaction in question is authorized or unauthorized.
|If your response is that the transaction is
|If you reply NO that the transaction is not authorized, a fraud specialist with Visa Falcon Fraud will then call you to confirm your reply that the transaction is unauthorized.||If the transaction is unauthorized, your card will be blocked and you can contact us directly for next steps.|
|If your response is that the transaction is authorized.||If you reply YES that the transaction is authorized, you'll receive a second text message thanking you for confirming the activity and letting you know the account is safe for continued use.||Your card will remain active and no further action is required.|
|If there's no response from Falcon's initial contact attempt.||If no response is received from the initial text message, a second text will be sent followed by a voice call to the cell phone number on file in an attempt to reach you.||If there's no answer, a message will be left that includes a case number and a phone number for you to call and verify the transaction. You can also contact us during normal business hours to review.|
Fraud Alerts Program Overview
Messaging frequency depends on account activity. For more information, TEXT HELP to 32874. To cancel fraud text messaging services at any time reply STOP to any alert from your mobile device.
For Fraud Alerts support, call (800) 839-1154. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud.
HELP instructions: Text HELP to 32874 for help or call TDECU at (800) 839-1154.
STOP instructions: Text STOP to 32874 to cancel.
*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 your carrier may interfere with messages delivery for which the carrier is not responsible. Your cell phone carrier does not guarantee that alerts will be delivered.