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For several years, your SESLOC Credit Card has been protected by our fraud monitoring service. This protection now covers your SESLOC Debit Card as well.
About Fraud Protection Services: SESLOC contracts with an automated fraud risk notification company, which is a regulated card protection and neural network monitoring service that specializes in evaluating all Visa credit and debit transactions. Accounts are evaluated on an individual basis, 24 hours a day, 7 days a week, for activity that may indicate your card is being used fraudulently.
What We Monitor: Your accounts are monitored based on a number of predictive features, including purchases outside your normal pattern, timeframes and purchase locations (especially transactions from foreign countries), activity that may represent a previously identified fraud trend, and many more factors. For example, if you make a purchase at 6 p.m. in San Luis Obispo and your card is used again one hour later at a shop in London, England, this would be considered unusual activity.
How You Are Notified: If a fraud alert is triggered . . .
- An automated dialing system makes a telephone call to the primary member's home telephone number.
- It will identify itself as a representative of SESLOC Federal Credit Union.
- It will ask you to verify your identity by entering the last four digits of the primary member/cardholder's Social Security number.
- It will ask you to verify recent activity on your account.
Security: Entering the last four digits of your Social Security number ensures it is the true cardholder on the phone. The four digit segment of your Social Security number is the only identifier available to the monitoring service.
Safety Precautions: If you receive a phone call and feel uncertain about the process or the identity of the caller, you may take these steps:
- Press zero to bypass the automated system and speak to a Loss Prevention Specialist.
- Hang up and call the loss prevention company back directly, using these toll free numbers.
- For Debit Cards: from inside the U.S (888) 241-2440
- from outside the U.S. (909) 941-1034*
- For Credit Cards: from inside the U.S. (800) 890-5097
from outside the U.S. (727) 556-9000*
* Collect calls: (727) -227-2447
Card Blocking: If the Loss Prevention Specialist is unable to verify the activity with you or with SESLOC, they will use their experience and judgment to determine if a block should be placed on your account. Next, they notify the SESLOC Member Support Department. Our staff will make another attempt to contact you at the home or work phone number we have on file.
You Can Help Us Protect You:
- If you're planning to travel and anticipate using your SESLOC credit or debit card in diverse locations or for atypical purchases, notify SESLOC in advance. Complete a Member Travel Notification form so that we may provide more flexible fraud monitoring while you travel.
- Keep your phone numbers current, along with other contact information for your SESLOC account, so we are able to reach you if necessary.
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