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Security
Noble takes your account security very seriously. Not only can you contact us when you suspect account fraud, but Noble is also constantly monitoring account activity for suspected fraud, for your security, and will update you if/when any issues arise.
If you suspect a fraudulent transaction has occurred, take the following steps:
Debit, Credit, ATM Transactions
- Sign in to online/mobile banking and in Card Control, turn off the card to stop further transactions.
- Gather the following info: date of transaction, amount of transaction, how transaction was made (debit, credit, ATM), and the merchant’s name.
- Call 559-252-5000, option 4, then press 1 (available 24/7).
- The agent will investigate the fraudulent activity and provide a written notification and timeline for the resolution.
In the event that Noble Credit Union detects fraud on one of your accounts, the following steps will be taken:
- A text notification will be sent to the cardholder if texts have been enabled for the phone number on file. *Be sure your phone number is up to date with us in order to quickly stop any account fraud!
- If the cardholder does not have a text-enabled phone number on file OR does not reply to the text, they will receive a phone call to EACH phone number on file until a call is answered.
- If none of the dialed calls are answered, a letter is generated and mailed to the home address on file for the account.
- If the cardholder has not responded within 3 days of the phone calls, an email will be sent with instructions to call Noble Credit Union.
- IMPORTANT: If we can’t reach you the card MAY be restricted when the suspicious transaction is detected. To prevent this make sure all of your personal information is updated on your account.
The call/text/email might be fraudulent if:
- You don’t recognize the number or sender.
- You are asked to provide account information, passwords, card information, PIN numbers, etc.
- You have not initiated the communication.
What to do if you suspect you’ve received a fraudulent call/text/email:
- If you suspect the person you are speaking with is not truly from Noble Credit Union, hang up. Call Noble Credit Union’s direct line: 559-252-5000 immediately.
- If you received an email soliciting a donation, do not respond and delete the email. If you want to make a donation to a charity, it is best to visit their website or call them directly.
- If you did provide your debit or credit card number, turn off your card. Log into your online or mobile banking account, select the Card Control feature, select a card(s), and turn off the card. This will stop all transactions attempted on the card. You can use the same Card Control feature to turn on the card when you are ready to use it.
- Call us immediately at (559) 252-5000 if you believe that any personal information has been provided, to verify transactions, or if you are ever suspicious of a call or text.
- Monitor your accounts for any fraudulent activity.
Noble Credit Union and its representatives will never:
- Include links of any kind in text messages regarding your fraud claim. You will be instructed to respond “yes” or “no” to the notification text message.
- Send text messages from a 10-digit number – messages will always come from a 5-digit number.
- Ask for identifying information beyond your zip code UNLESS you confirm that a transaction is fraudulent. If the transaction is fraudulent, you will be transferred to another agent, who will confirm your identity before going through your transactions with you.
- Ask you for your PIN or the 3-digit security code on the back of your card. If you are asked for this information, hang up and immediately call Noble Credit Union.
Common types of fraud:
Spoofing
Spoofing occurs when impersonators reach out to consumers claiming to be calling/texting from a reputable company, such as Noble Credit Union. They call stating a variety of issues with your account or about a “recent transaction,” but inevitably begin requesting you “confirm” your information, by divulging personal information such as your account number, password, or debit/credit card information.
Phishing
Phishing occurs when impersonators email consumers claiming to be from a reputable company. In the email, they often request you provide personal information such as passwords, account, or debit/credit card information. The emails can appear to be from a charity and while you think your money is going to a good cause, it is going to a fraudster. Or, the email could impersonate a legitimate business, such as Noble, claiming issues with your account.