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Security

Noble takes your account security very seriously. Not only can you contact us when you suspect account fraud, but Noble is also constantly monitoring account activity for suspected fraud, for your security, and will update you if/when any issues arise.  
 
Types of fraud:
 
Spoofing:
 
Spoofing occurs when impersonators reach out to consumers claiming to be calling/texting from a reputable company, such as Noble Credit Union. They call stating a variety of issues with your account or about a "recent transaction," but inevitably begin requesting you "confirm" your information, by divulging personal information such as your account number, password, or debit/credit card information.
 
Phishing:
 
Phishing occurs when impersonators email consumers claiming to be from a reputable company. In the email, they often request you provide personal information such as passwords, account, or debit/credit card information. The emails can appear to be from a charity and while you think your money is going to a good cause, it is going to a fraudster. Or, the email could impersonate a legitimate business, such as Noble, claiming issues with your account.
 

The call/text/email might be fraudulent if: 

  • You don’t recognize the number or sender.
  • You are asked to provide account information, passwords, card information, PIN numbers, etc.
  • You have not initiated the communication. 

What to do if you suspect you’ve received a fraudulent call/text/email: 

  • If you suspect the person you are speaking with is not truly from Noble Credit Union, hang up.  Call Noble’s direct line: (559-252-5000) immediately. 
  • If you received an email soliciting a donation, do not respond and delete the email. If you want to make a donation to a charity, it is best to visit their website or call them directly.
  • If you did provide your debit or credit card number, turn off your card.  Log into your online or mobile banking account, select the Card Control feature, select a card(s), and turn off the card. This will stop all transactions attempted on the card.  You can use the same Card Control feature to turn on the card when you are ready to use it.
  • Call us immediately at (559) 252-5000 if you believe that any personal information has been provided, to verify transactions, or if you are ever suspicious of a call or text. 
  • Monitor your accounts for any fraudulent activity. 

NOBLE WILL NEVER: 

  1. Include links of any kind in text messages regarding your fraud claim. You will be instructed to respond “yes” or “no” to the notification text message. 

  1. Text messages will always come from a 5-digit number and NOT a 10-digit number 

  1. On a phone call with a Noble representative, they will ask only for your zip code UNLESS you confirm that a transaction is fraudulent. If the transaction is fraudulent, you will be transferred to another agent, who will confirm your identity before going through your transactions with you. 

  1. Noble will NEVER ask you for your PIN or the 3-digit security code on the back of your card. If you are asked for this information, hang up and immediately call Noble Credit Union. 

 

In the event that fraud is detected on one of your accounts, the following steps will be taken: 

When a transaction that is suspected to be fraudulent by Noble is detected.

  1. A text notification will be sent to the cardholder if texts have been enabled for the phone number on file. *Be sure your phone number is up to date with us in order to quickly stop any account fraud!
  2. If the cardholder does not have a text-enabled phone number on file OR does not reply to the text.
    1. They will receive a phone call to EACH phone number on file until a call is answered.
    2. A voicemail will be left at each number that did not answer. 
  3. If none of the dialed calls are answered, a letter is generated and mailed to the home address on file for the account.
  4. If the cardholder has not responded within 3 days of the phone calls, an email will be sent with instructions to call Noble Credit Union.

IMPORTANT: If we can’t reach you the card MAY be restricted when the suspicious transaction is detected. To prevent this make sure all of your personal information is updated on your account.

 

When a member notifies Noble there is a fraudulent transaction on the card.

  1. You (the cardholder) will be instructed to call the dispute line at 559-437-2195 or complete a Plastic Card Dispute Form online within Online Banking, under the Secure Forms tab.
    1. When a cardholder completes the form online, Noble agents may need to contact you for clarification regarding their statement.
  2. The dispute team will help you determine if the charge is actually fraudulent, or something that the cardholder authorized and would like to dispute with the merchant.
  3. When the charges are fraudulent the cards are blocked. If the cardholder is disputing a charge they authorized, Noble does NOT block the card.
  4. In either case a Plastic Card Dispute Form is completed by the Noble agent and a claim is submitted.

Depending on the type of claim, or reason for dispute there may be additional information Noble will be required to obtain information from you to proceed with the claim.  As this additional information is brought to Noble’s attention, our agents may need to reach out to you multiple times.

If you are ever unsure about the questions asked during a phone call, don’t hesitate to hang up the phone and call Noble Credit Union. That will ensure that you reach us directly, and that your information is safe!