Credit & Debit Card Fraud Information
Credit and debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.
Card fraud occurs through a variety of channels, including online scams, card or mail theft, and often is the result of a merchant’s data system being hacked or the actions of a dishonest employee working for the merchant. Rarely is it due to the breach of a financial institutions data system. Know how to defend yourself and rest assured Envista is continually monitoring for threats and suspicious activity. As a conscientious consumer, there are a number of things you can do to protect yourself as well.
Be Careful with Your Card Information
- Record your card and account numbers along with expiration dates in a safe place at home. Include the phone number for each card company so you can report fraud and minimize damage quickly.
- Carry only the cards you need so there is less for a potential thief to take and fewer cards you'll have to freeze if your wallet is lost or stolen.
- Shred documents containing personal information before throwing them away.
- Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.
Use Your Card Wisely
- Never sign a receipt leaving lines, such as the total, blank. The information on a blank receipt may be changed after you've already signed it. Drawing a line through any blank spaces may help.
- Watch your card during a transaction and make sure you get it back.
- Look for irregularities with an ATM, gas pump or other card reading device before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your credit card information. If you notice it after you've inserted your card, alert the card issuer.
- Be cautious when using your cards online. Only enter information on websites you're 100 percent sure are legitimate or use a third-party site when you can.
What We're Doing for You
Using state-of-the-art fraud prevention systems, your account is monitored for fraud and unusual activity and you will be notified of any suspicious activity. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won't be responsible for false charges to your account.
If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard. This allows you to use your Envista debit and credit cards when our fraud monitoring would normally question any purchases you make. Please call 785-228-0149 and be sure to provide the location and dates of your travel, including stopovers if you'll have connecting flights.
How to Report Fraud
Credit Cards – Falcon Fraud Protection is the free, automated fraud detection service that monitors your credit card purchases. To report fraudulent activity on your EnvistaBlack Visa® Credit Card during weekend or evening hours, please call the Falcon Fraud Protection Center at 1-800-369-4887. Learn more about Falcon Fraud Prevention below.
Debit Cards – FraudWatch PLUS is the free, automated fraud detection service that monitors your debit card purchases. To report fraudulent activity on your Envista Visa Debit Card during weekend or evening hours, please call FraudWatch PLUS customer service at 1-866-842-5208 or outside the USA call collect at 1-701-461-2551. Learn more about FraudWatch PLUS below.
Falcon Fraud Monitoring
Envista Credit Union has partnered with Falcon Fraud Protection (Falcon) to safeguard your EnvistaBlack Visa Credit Card against fraud. Your card activity will be monitored 24 hours a day, 7 days a week searching for suspicious activity.
If suspicious activity occurs, a telephone call is made to the number Envista has listed as your primary contact phone number. Therefore, it is extremely important for us to have a current phone number where you can be contacted.
Frequently Asked Questions
Q: What is Falcon fraud monitoring?
A: Falcon is a service we utilize to monitor signature-based credit card transactions for fraudulent activity.
Q: Do I have to enroll with Falcon to have my credit card monitored for unauthorized or fraudulent activity?
A: No. Falcon monitors all Envista credit cards for fraud. No enrollment is required.
Q: Is there a cost for the Falcon monitoring service?
A: There is no cost for this service and all Envista credit card members are covered by this service.
Q: What types of transactions are considered suspicious or fraudulent?
A: Falcon monitors and analyzes transactions and assigns a rating to the transaction. Based on your normal spending patterns, if a questionable transaction is detected on your Envista credit card, Falcon will contact you to verify the transaction. In some cases, the transaction may be declined at the point of purchase if the fraud rating is high.
Q: How will I be notified if a transaction is considered suspicious or fraudulent?
A: If fraudulent activity is detected, Falcon will contact you by phone to the primary number we have on file. If there is no answer, a representative from Falcon will leave you a message requesting a call back to verify the suspected transaction. If you miss the phone call you can contact the Falcon call center at 1-800-369-4887, 24 hours a day, and 7 days a week.
Q: How does Falcon verify that they are speaking with the card owner?
A: You'll be asked a question to verify your identity. Falcon may ask you to verify the last four digits of your Social Security number as well. They also compare the phone number that you call from to see if it matches the phone number that is on file.
Q: Can I reply back to the credit union instead of Falcon if I receive a phone call to verify a transaction?
A: To avoid delays with card usage or confirming potential fraud, we strongly recommend contacting the Falcon Fraud Monitoring Department directly. The staff at Falcon is available 24 hours a day, seven days a week and is there to quickly verify transactions and take appropriate action if fraud occurs on your account.
Q: Will I still need to monitor my account on my own since the Falcon service is in place?
A: Yes, we encourage you to monitor your account for suspicious or unauthorized charges that the Falcon monitoring system may not detect.
At Envista, our goal is to protect our members from the risk associated with fraud and identity theft. Please remember to frequently review your account activity and never hesitate to contact an Envista representative at 1-877-968-7528 for assistance.
To report fraudulent activity on your Credit Card during weekend or evening hours, please call the Falcon Fraud Protection Center at 1-800-369-4887.
Envista Credit Union provides you round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. FraudWatch PLUS protects all of the debit cards we issue.
FraudWatch PLUS enables us to provide the technology, tools and expertise to manage fraud. Trained analysts watch for suspicious transaction activity on your behalf 24/7, 365 days a year. When a transaction is not consistent with your usual patterns, you will get a call from Fraud Prevention Services by an experienced fraud analyst to verify the authenticity of your card transactions. If the transaction is fraudulent, the FraudWatch PLUS representative will begin the paperwork to dispute the transaction, close the card, and continue to monitor your account, any time of the day or night, weekday or weekend.
So, if you ever get a call from Fraud Prevention Services know that they are doing their job to prevent potential fraudulent use of your debit card. They will ask you several questions to help identify you.
Please note that you will NEVER be asked to provide any of the following information:
- Your full card number
- The expiration date on your card
- Your card's PIN number
- The CVC code on the back of your card
- Your full social security number
Fraud is serious business and can hit anytime. That is why we are working to detect and prevent fraud from happening to you. If you will be traveling internationally or just outside of your normal geographical area, contact us first at 1-877-968-7528 and we will make sure that your card is working for you while you travel.
FraudWatch PLUS customer service is available 24/7 at 1-866-842-5208 or outside the USA call collect at 1-701-461-2551.
Our recommended identity protection service. For a low monthly fee, you can protect yourself from hackers and criminals who may steal your personal information and commit fraud in your name.
Protect Your Identity
To learn more about identity theft and ways to protect your identity, please visit the sites listed below.