How to dispute an unauthorized card transaction
If you do not recognize a transaction on your account statement OR your card is lost or stolen, please report it immediately:
765.497.3328 or 800.627.3328
- or -
- Login to Purdue Federal digital banking.
- Select Lost and Stolen Cards from the main menu under Card Services.
Click to view: Card Compromise FAQs
Visa® requires specific paperwork for disputing unauthorized charges whether it is suspected fraud or simply an error by the retailer. We can help you with the necessary paperwork and in some cases provide provisional credit until your dispute is handled. Within 90 days we will either correct the error or explain why we believe the transaction was correct.*
*You must notify us no later than 60 days after you receive the first statement from the account from which the unauthorized transactions appeared.
Card Fraud Alerts
Purdue Federal has partnered with CO-OP to provide automated fraud detection and alerts for debit and credit cards. All Purdue Federal Visa debit and credit cardholders are automatically enrolled in fraud alerts.
How do fraud alerts work?
When a suspicious transaction occurs, you’ll receive an alert. You can follow the message instructions to respond and confirm if you recognize the transaction or not. Phone calls will come from 866.518.0213.
If you don’t recognize the transaction, your card will automatically be blocked until you can reach the provided contact number about a solution. If you do recognize the transaction, you will be able to continue using your card uninterrupted.
How will you get alerts?
You will receive alerts via text message and email, as well as by phone call if the alert is sent between 8 a.m. and 9 p.m. in your time zone.
FYI: You can opt out of these alerts at any time by selecting the opt-out option on an alert message or by contacting us. You can opt in again whenever you choose by visiting Alerts under Additional Services in digital banking.
If Purdue Federal initiates the call, we will never ask you for personal financial information or your entire credit card account number.
Protect Your Cards
- Validate your card. Sign new credit cards with permanent ink as soon as you receive them.
- Know your PIN. If your card has a PIN, memorize it. Skip easily recognizable PINs such as the last four digits of your Social Security number or phone number.
- Know whom you're dealing with. Providing your personal and financial information to anyone can lead to ID theft and phishing attacks.
- Beware of phone scams. Never give your PIN or any other personal financial information to an unknown caller.
- Track financial statements. Find out when financial statements and plastic cards are due to arrive. If they're late, contact your credit union or appropriate issuer.
- Protect yourself online. New technology allows online vendors to assure customers reasonable security from online theft. If you doubt the security of the vendor, order the items over the telephone
*Purdue Federal Credit Union does not charge a fee for the use of Card Fraud Alerts. Your mobile service carrier or provider may impose data usage or text message charges for your use of, or interactions with, Card Fraud Alerts.
Purdue Federal Credit Union may send you text messages and emails through your wireless provider to the mobile number and email address associated with your account. Card Fraud Alerts will be sent through U.S. carriers only and does not include international service. Purdue Federal Credit Union does not charge for Card Fraud Alerts, but you are responsible for all charges and fees associated with text messaging imposed by your wireless service provider.
Phone calls, text messages and emails may include personal or confidential information about you such as your account activity or the status of your account. Purdue Federal Credit Union shall not be responsible for the confidentiality, privacy or data security of any information sent to you through text messaging.
Members will indemnify, defend, and hold Purdue Federal Credit Union harmless from any third party claims. liability, damages or costs arising from your use of Card Fraud Alerts or from you providing us with a phone number or email address that is not your own.
Purdue Federal Credit Union will not be liable for failed, delayed, or misdirected delivery of any information sent through the Card Fraud Alerts service; any errors in such information; any action you may or may not take in reliance on the information; or any disclosure of account information to third parties resulting from your use of the Card Fraud Alerts service. Purdue Federal Credit Union will not be liable to you for special, indirect or consequential damages.
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