FAQs: Fraud and Security

Provisional credit will be posted within 10 days of receipt of your completed dispute form.

If you believe that there has been unauthorized activity on your Visa Credit Card, please contact the Baton Rouge Telco fraud center by texting or calling 225.924.8900.

Call or text us at 225.924.8900 right away if your card is lost or stolen. We will be able to block that card and reissue a new one. If, after Telco business hours, call 888.297.3416 to report card lost/stolen.

We have updated our card restrictions to be more travel friendly for our cardholders. What this means is that if you did not provide travel information to us, and your card is used properly at a terminal (chip inserted at chip terminal) then your card should not decline regardless of your location within the U.S. If traveling out of the country (international travel), travel notes are highly recommended at this time. To provide travel information you can email [email protected], send secure message via online banking, or contact the credit union.

There are multiple reasons a card may decline such as invalid information being entered (i.e. incorrect address, CVV, expiration date), incorrect PIN, or insufficient funds in the account. Cards may also decline if there are suspicious transactions that have been authorized on the card. In this case, a fraud analyst will attempt to contact you first by text, then email, then phone call to verify if the transaction is valid or not. If you verify that the transaction is valid, the fraud analyst will unblock your card. If you verify that the transaction is fraud, the fraud analyst will direct you to contact Telco.

If you have any questions, you can contact Telco during normal business hours by emailing [email protected], or texting or calling 225.924.8900.

To dispute a fraudulent debit or credit card charge on your account, you must complete a cardholder dispute form and get a new debit or credit card. Contact us to report the fraudulent charge and to complete the dispute process. You can text or call us at 225.924.8900 or email [email protected] to report fraudulent activity. A dispute form can be emailed to you to complete online and a new card can be ordered and mailed to you or you can come to one of our branches to have your new card issued instantly.