Visa Fraud Detection Service

Card Fraud Detection Service (Falcon Fraud)

Frequently Asked Questions

No matter how careful you are with your financial records, criminals will still try to find ways to access your card information to make unauthorized purchases.  To combat this threat, we use the leading fraud protection service to monitor your accounts and detect suspicious activity.

What is Falcon Fraud?
Capital Credit Union is working hard to protect your Visa credit card from fraud. We have an automated fraud detection service, called Falcon Fraud, designed to notify you when there is suspicious activity on your Visa card. Having an automated service enables us to contact you within moments of the transaction, receive your confirmation, and reduce the risk of us authorizing additional transaction that may be fraudulent.

When will Falcon Fraud call?
Between the hours of 9:00 a.m. and 10:00 p.m., Falcon Fraud will contact you to confirm transactions that are suspicious.

What happens when Falcon Fraud calls?
If you receive a call from this automated service you will be prompted to verify your identity and to validate the transaction in question. If you confirm that you did not make the transaction, you will be able to instruct Falcon Fraud to block the card from further activity on your account. The card is then blocked permanently and we ask you contact the Credit Union to order a new card that you can expect to arrive in approximately two weeks from the order date. If you confirm that you did make the transaction, you will be able to instruct Falcon Fraud to unblock your card.

What happens when Falcon Fraud doesn’t reach you?
If Falcon Fraud is unable to reach you, someone will leave a message for you to return the call. The message will identify Capital Credit Union and provide you with a toll-free number and reference code to use when you call back. The service is available for your return call 24/7.

At this time a temporary block most likely has been placed on your card to prevent additional transactions until we are able to confirm the activity with you. It is important that we hear from you as soon as possible so we can determine the appropriate next steps to protect you from fraudulent use of your account.

How does it work?

  • The service has information about fraud that has occurred for other cardholders
  • The service learns your normal spending patterns
  • Based on a combination of this information, the service evaluates your transaction. If the transaction is considered suspicious, our automated assistant, will contact you to verify if you authorized the transaction
  • If you confirm the transaction is legitimate, there is no impact
  • If you confirm that you did not authorize the transaction, the card is immediately blocked to stop more fraud from occurring
  • If our automated assistant cannot reach you, a message will be left and your card may be temporarily blocked until you return the call

How you can help

  • Protect your card and card information
  • Regularly monitor your statements for any activity that is not yours
  • If you are contacted by our automated assistant, please return the call as soon as possible
  • If our automated assistant calls you, you will not be asked for any personal information
  • If you call the fraud call center back, you will be asked to verify your identity
  • Make certain that the phone number you have on file with the credit union is current so you can be easily contacted if any questionable activity is detected on your account

If you have more questions about Falcon Fraud, please contact member services at 1-800-735-6922 or call Falcon Fraud directly at 1-800-241-2440.

If your card is lost or stolen, please call 1-888-241-2510 from within the US and call 1-909-941-1398 from outside the US.