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Resource Center

Watching for Credit and Debit Card Fraud

Campus Federal receives fraud detection and prevention services from a company called Fiserv EFT Payment Processing Solutions. Fiserv EFT has a staff of Fraud Analysts that operate 24/7 and also send out EnFact automated notifications. These analysts have a variety of tools available to help them recognize potential fraud.

To catch a thief

Some of these tools involve alerts that are placed on certain types of card transactions. For example, Fraud Analysts may be watching for:

  • Multiple high dollar amount transactions taking place in a short period of time.
  • Transactions with merchants who are considered high risk or suspicious.
  • A transaction that takes place in a country where a large amount of fraud is occurring.
  • Multiple failed attempts to enter the correct PIN.
  • A pattern of spending that is completely different than what you have exhibited in the past.

These are just a few of many different events that can trigger an alert. A sophisticated computer program helps analysts spot problems and see spending patterns that are unusual.

What you should know

There are a few simple things you can do to keep fraud at a minimum and keep our fraud prevention experts informed.

  • If you are planning to travel to a foreign country or to place an unusually large expense on your Campus Prestige or Campus Rewards MasterCard® card, please inform a Campus Representative.
  • If you receive a call from a Fiserv EFT Payment Processing Solutions Fraud Analyst or an EnFact automated notification, he or she has received an alert of possible fraud. Your cooperation can help stop theft. You may be asked questions such as "Did you make a purchase today at XYZ store?" Remember: a real Fraud Analyst will never ask for your card number. If you are suspicious of the call, hang up and contact a Campus Federal Representative.
  • A transaction that takes place in a country where a large amount of fraud is occurring.
  • If your card is lost of stolen, report it immediately. Contact a Campus Federal Representative about replacing the card.
  • Do not reply to e-mails that ask for your card number, or ask you to go to a Web site and enter your card number.

When it comes to safely using your credit or debit card Campus Federal is the best place to go for questions or concerns.

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