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Card Safety & Fraud Protection
Resources, Lost Cards & Disputes
Resources
Identity Theft Resources – Direct Financial provides resources to help you protect yourself and your accounts from identity theft.
Visa Security Sense – This site from Visa provides tips for protecting account information, avoiding payment card scams and resolving unauthorized card use.
Staysafeonline.org – This site from the National Cyber Security Alliance provides consumers with basic tips about navigating the internet safely.
Lost Your Card?
Call 800.966.8200.
Call for any type of lost or stolen Direct Financial card, whether Credit, ATM or Debit card.
Disputed or Unauthorized Electronic Funds Transfer
Whenever you see a transaction that you don't recognize on your statement, you should contact Direct Financial at 800.966.8200 for assistance.
There are basically two types of Electronic Funds Transfer or EFT transactions that you may question on your statement: disputed and unauthorized.
Disputed Electronic Funds Transfer
A disputed electronic funds transfer transaction means you participated in some way but the outcome was not what you expected. (Get more details about EFT transaction disputes.)
- Example 1: You used your debit card to reserve a hotel room, but cancelled the hotel and got charged anyway.
- Example 2: You ordered a shampoo sample, and either did not cancel the service or have not received the sample. Another charge is done, for a larger shipment.
Unauthorized Electronic Funds Transfer
An unauthorized electronic funds transfer transaction means someone else used your card without your authority and you received no benefit for that transaction. In short, it is a fraudulent transaction. (Get more details about unauthorized EFT transactions.)
- Example 1: You notice a gas station charge on your account for a state you have never been to.
- Example 2: Purchases from overseas post to your account from places you have never ordered from.
There are several differences between disputed transactions and unauthorized transactions. The biggest difference is who initiated the transaction, either currently or in the past. If you participated in any way, the transaction is disputed, not unauthorized.
Important to remember: You must report your lost or stolen card to us immediately at 800.966.8200 — we are available 24 hours a day, every day. Likewise, you must notify us as soon as you discover an unauthorized transaction. Failure to do so could impact your rights. Refer to your Membership Agreement for full details.
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