As part of our commitment to protecting your privacy, we always caution members not to provide any information to strangers or those calling you claiming to be Pacific Service Credit Union. However, we are a very high touch, high service organization. Our goal is to make your experience easy and often the quickest and simplest path to resolution is simply to pick up the phone.
Here are some actual examples of why we would contact you and how you can verify that our contact is legitimate.
Suspicion of Card Fraud
We use state-of-the-art Visa fraud detection technology to identify potential fraud. If our detection service identifies potentially fraudulent transactions, we will call and ask you to verify only the last four digits of your social security number. Fraudulent callers typically don’t have the name of your financial institution nor do they have your card information. Fraud artists will begin by asking you if you have made a recent purchase that they know you have not, and then will try to obtain your personal information like a credit card number claiming they need it to block and re-issue your card.
Suspicion of Fraudulent Account Access
If we suspect that someone is trying to access your account fraudulently, we often will call you. Examples include the addition of a suspicious bill payee, transactions that are outside your typical spending pattern, or a suspicious phone call from someone pretending to be you.
Information to Better Serve You
To expedite service on your account, we may contact you for clarification regarding requests received via email, details involving wire transfers, or additional information needed to set up new accounts.
Although infrequent, we do sometimes reach out to members for product and service purposes. For example, if you have a Visa Platinum Card and a Relationship Checking account with us, it would be free to upgrade to a Visa Platinum Rewards Card and earn points to redeem for travel or merchandise. Our employees often call members these types of special offers to make their relationship with the credit union more valuable.
The most important thing to remember about legitimate contact efforts from Pacific Service Credit Union is that we already have your information. We never need to ask for your account number, your full Social Security number or personal information.
If you ever suspect that you may be speaking to someone fraudulently claiming to be from Pacific Service Credit Union, we encourage you to hang up and call us back at (888) 858-6878. Be sure to ask for the employee by name or extension.
If you suspect that you have been a victim of fraud, or your account has been compromised, immediately call a member service representative at (888) 858-6878. The sooner we know about fraud attempts, the sooner we can act to protect you. We can cancel compromised cards, change your account number or add a password to your account for future transactions, if it becomes necessary.
by Michelle, AVP, Operations