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Because Umpqua is dedicated to protecting the security of your account, we do systematically monitor your debit card transactions for unusual activity. If anything seems out of the norm, we will either send a text to your mobile phone on file with us, or place an automated call to you to verify. If you see 866-707-3915 pop up on your Caller ID, or a text from 328-74 that’s us!
Automated Phone Call
During this automated call, you’ll be asked a series of questions to confirm your identity. These questions include entering the correct 5-digit zip code, the last 4 digits of your social security number and the birth date associated with your account. After verifying your identity, you’ll then be asked to listen carefully and confirm the transactions we thought were suspicious.
Fraud Text Alert
If you have provided Umpqua with your cell phone number, you are automatically enrolled in, and will receive fraud alerts by text message from short code 32874, should we detect suspicious card activity. Note: Umpqua must have your cell phone listed in our system as your “mobile” number, not as your “home” or “work” phone, for fraud text alerts to be enabled.
If you identify at least 1 transaction as being invalid, we will place a temporary restriction on your card to prevent further unauthorized use and ask you to contact Customer Service to discuss further. But don’t worry, if an unauthorized charge does show up on your account, rest assured that you’re covered. Visa’s Zero Liability Policy will protect you against any unauthorized purchases.
Oh, and if we can’t get ahold of you, we may place a temporary hold on your account to keep your funds safe.