EMV Debit Card

If you receive a call from Jax Federal Credit Union informing you of fraud on your debit card, how will you know it’s not a Vishing Attempt?  (Vishing/voice phishing is the practice of using the phone to gain access to private personal and financial information.)

Scammers work against time

Many scammers call using an automated message says that your card is cancelled or deactivated. This encourages you to act quickly to fix the ‘problem’.


The easiest way to verify a legitimate call is to remember that the Jax Federal Fraud Detection Service will never ask for the entire card number, complete social security number, your account or member number. Scam numbers only give vague information that your card has a problem- which could apply to any or all the credit cards in your wallet. This means that they could ask you to verify each of your cards. If someone asks you for this information, hang up.

Spoofed Phone number on a Smartphone

Example: It is hard to tell if a phone number is spoofed.


A new tactic is using caller ID spoofing devices and software that makes a phone call appear to be coming from a number other than the one the scammers are using. Just because the call appears to be coming from a phone number that looks familiar doesn’t mean that’s where the call is coming from.


  • Don’t give out any information on calls you didn’t initiate.  If you think there’s a possibility that it’s your real credit card issuer, ask if you can return their call. If it’s a scam, they’re likely to try to convince you to stay on the line.
  • Only trust calls that you initiate. If you receive one of these calls, hang up immediately. The more you interact with the scammers, the more information they obtain from you.


If you are or suspect that you are the victim of a scam or some other illegal practice, file a complaint immediately. Doing so can help protect yourself and others from becoming victims.

  • If you accidentally gave out your social security number, place a fraud alert or security freeze on your credit report to prevent new accounts from being opened in your name. Both the fraud alert and security freeze are free. Monitor your credit report regularly and ​dispute any accounts that don’t belong to you.
  • Report the scam to the Federal Trade Commission. Call 1-877-382-4357 or report the fraud at reportfraud.ftv.gov. You can also report scam to Florida’s consumer protection agency.