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Lost or stolen Visa card

Learn how to replace your card, report fraud, and understand Peak Credit Union’s fraud protection process.

Lost or stolen card? Contact Us Immediately

During Member Service Hours

  • Monday-Friday: 8:00 AM - 7:00 PM PT
  • Saturday: 9:30 AM - 2:00 PM PT
  • Call (800) 258-3115

Our team can:

  • Block your card from further use
  • Order a replacement card
  • Review suspicious transactions
  • Help determine whether you need to file a fraud claim or dispute

After Hours

Call (866) 305-7248

Use this number to report a lost or stolen card when Member Services is closed.

Traveling Internationally?

If you're traveling outside the United States and need card assistance, refer to Visa's international contact numbers. 

Requesting a Replacement Card

If your card is:

  • Lost
  • Stolen
  • Damaged
  • Worn out and no longer working

Contact Member Services at (800) 258-3115 or visit a branch.

A team member can:

  • Order a replacement card
  • Review replacement options
  • Explain delivery timeframes
  • Help update any automatic payments if needed

Do You Need a Fraud Claim or a Dispute?

If you notice a transaction you don't recognize, the next step is determining whether the transaction is fraud or a dispute.

Fraud

Fraud occurs when someone uses your card or account without your authorization.

Examples include:

  • Unauthorized purchases
  • Transactions made using a stolen card
  • Charges from someone who gained access to your card information

Dispute

A dispute occurs when you authorized the transaction, but there is an issue with the purchase.

Examples include:

  • Being charged twice
  • Receiving the wrong item
  • Not receiving a product or service you paid for

Next Steps

If you're unsure whether your situation is fraud or a dispute, review our "Fraud vs. Dispute" article or contact Member Services for assistance.

Peak Fraud Prevention Services

Peak Credit Union monitors Visa debit and credit card activity for potentially suspicious transactions.

If unusual activity is detected, a Peak Fraud Prevention Specialist may contact you to verify the transactions.

Depending on the situation:

  • You may receive a phone call
  • You may receive a text message
  • A temporary block may be placed on your card until activity can be verified

What Happens If Fraud Is Suspected?

If potentially fraudulent activity is identified:

  1. Peak Fraud Prevention Services will attempt to contact you.
  2. Your card may be temporarily blocked to prevent additional unauthorized transactions.
  3. Once fraud is confirmed, your card will be closed and a replacement card will be issued.
  4. You'll be guided through the fraud claim process.

Frequently Asked Questions

What if I recognize the transaction after my card has been blocked?

  • Contact Peak Fraud Prevention Services at (866) 272-4481 to verify the transaction and discuss restoring access to your card.

What happens if Peak can't reach me?

  • If possible, a voicemail will be left with instructions for returning the call.

  • Your card may remain temporarily blocked until suspicious activity can be verified.

Will traveling or making a large purchase cause my card to be blocked?

  • Not necessarily. However, unusual spending patterns may trigger a fraud review.

  • If your card becomes restricted, contact (866) 272-4481 for assistance.

What information will a Fraud Prevention Specialist ask for?

  • Before discussing transactions, the specialist will verify your identity to protect your account information.

How can I help protect my account?

Regularly:

  • Review account activity in Digital Banking or the mobile app
  • Monitor your balances and transactions
  • Report suspicious activity immediately
  • Keep your contact information up to date so Peak can reach you if fraud is suspected

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