I asked my bank about it, and the teller told me yes it was a real thing, and yes, I needed to call them directly. I was skeptical, but this is legit. I had a charge for World of Tanks - HQ in Cyprus, which is a little unusual for me in the middle of the US. This triggered a review, and they called me. It used my phone number and the last 4 digits of my card to figure out which account was in question. It had me review the last 5 transactions after WoT. Never talked to a person, all automated. And with the outgoing calls being automated too... interesting operation.
There are MANY FAKE RESPONSES claiming this is not a scam. THEY ARE PART OF THE SCAM. Do not give ANY personal information. Do not even confirm this is your phone number in order to avoid being roped into the same scam from a new number.
 Oct 30th, 2019
Just received a call from this number claiming to have be informed by my bank of fraudulent activity. Luckily enough I was already on the phone with my bank about something else while this scam number left a voicemail. DO NOT GET SCAMMED.
 Oct 30th, 2019
I received 2 calls claiming to be my bank checking on some transactions. So I checked my statement & noticed a $155.60 charge to Poshmark. And of course today the banks are closed so Lord only knows when I'll get my money back!
 Oct 14th, 2019
It is legit. My bank needed to verify some transactions to my card. I've had a couple of different calls from them when I purchase something online. I think my bank (Centris FCU) uses First Data to verify card transactions. When I called them back, they asked for my name. I asked them to verify what bank I am with and they did that, so then I gave them my name. They did not ask any other personal questions. I did not enter the last 4 of my credit card as they asked. They only verified me by my telephone number. I am not part of a scam either. Not sure how I can convince you of that though. I don't want to be stalked. :)
New Jersey
 May 21st, 2019
Would not trust this number. I called its back and the recorded message asked me to verify the last 4 digits on the card they referenced in the voicemail they left for me, but no car number was given in the voicemail. Number that called was (402)609-5706 return number was 800-622-1361. I agree with others. If your bank wanted to reach you, they would call direct and surely not on Easter Sunday like these people did.
 Apr 21st, 2019
Claimed to be bankcard fraud detection. Was actually trying to sell multiple products.
North Carolina
 Mar 25th, 2019
This is not a scam, they just call to verify transactions in order to see if they are done by you. They helped me block my card when someone was using it in Florida. First Data Corp provides card services and they run the Star Network, which is the biggest processor of ATM and PIN-debit transactions. Caller ID reported First Data Corp with a number of 402-609-5706. 800-622-1361 is the call back number.
 Sep 29th, 2018
929 406-4957
New York
 Sep 10th, 2018
929) 406-4957
New York
 Sep 10th, 2018
Legit. They left a voicemail asking that I call back to varify some purchases. I went online to my bank and saw there was 4 charges I did not make. $800 dollars worth! I called the 1800 number left on my voicemail and sure enough they wanted to varify those unusual charges. The only info they asked me for was my phone number. Since my card had been compromised they shut it off and said I needed to call or visit my financial institution tomorrow.
 Aug 21st, 2018
I received a call from this number. I didn’t answer since I didn’t know the number. A woman left a voicemail. She said she was calling on behalf of Fidelity Bank about some repeat transactions on my card. Call back number was 1 800-622-1361. I called my bank. It was not them. I turned over the voicemail and a screenshot of the visual voicemail. It is a SCAM.
 Aug 13th, 2018
This is not a scam. They didn't ask me to provide any personal information. They just listed several recent bank transactions and asked me if it was, in fact, me. First Data Corp is a major credit card services company and they run the Star Network, which is the biggest processor of ATM and PIN-debit transactions. Caller ID reported First Data Corp with a number of 402-609-5706. 800-622-1361 is the call back number.
 Aug 08th, 2018
This is not a scam. They didn't ask me to provide any personal information. They just listed several recent bank transactions and asked me if it was, in fact, me. First Data Corp is a major credit card services company and they run the Star Network, which is the biggest processor of ATM and PIN-debit transactions. Caller ID reported First Data Corp with a number of 402-609-5706. 800-622-1361 is the call back number.
 Aug 08th, 2018
This is not a scam. They didn't ask me to provide any personal information. They just listed several recent bank transactions and asked me if it was, in fact, me. First Data Corp is a major credit card services company. Caller ID reported First Data Corp with a number of 402-609-5398. 800-622-1361 is the call back number.
 Aug 08th, 2018
Got two calls from a 412 number, but they use the same "call back number" of 800-622-1361 that people getting calls from 800-830-8574 have reported. Messages told me to call that number; they claimed to be calling on behalf of Citizensbank about suspicious charges on my Mastercard. I called Citizensbank Credit services directly; they said there were no problems with my account / no transactions were being declined or questioned / the card was not flagged by their fraud department. Very odd that they picked a card that I HAD actually just (uncharacteristically) been using; makes me wonder if this is a scam involving insiders, or whether they just got lucky.
 Jun 26th, 2018
I had a msg on my machine to call 800-622-1361. I thought it was a scammer. Next day received another call. turns out it is legit. I called my bank to verify and it is a credit card investigating company they use. I did in fact have fraudulent charges on my account and they stopped them.
 Jun 18th, 2018
SCAMMERS!!! Your bank will call you direct.
 May 15th, 2018
Not a scammer. I called the number back and they only asked for my phone number and name. After that they knew all of my recent transactions. If this was a scammer, they already had my info and had no reason to call me at all.
 May 11th, 2018
i posted below and it says I am from North Carolina what at joke.....No I am not
North Carolina
 Oct 17th, 2017
it is not a legit company for any banks. The ones responding to "its legit" are apart of the scam. my bank stated it was them calling or do they have a "transition review department". the number 800-622-1361 along with 402-609-5398 has been given to the State Prosecutor's office and they will be calling these numbers and will prosecute. Sadly these scammers are most likely in other countries.
North Carolina
 Oct 17th, 2017
Received two messages on my cell from a 402 area code #. I accidentally deleted them but they said they were with the Community Bank of the South Transaction Dept. and wanted to verify activity. Told me to call them back at 800-632-1361. Both had Indian type accents. I called back and was offered four different free programs. I ended up hanging up and calling my bank. They said it was not a legitimate call.
 Aug 22nd, 2017
Recvd a call from (800) 622-1361. Called my Credit Union - Kinecta Federal Credit Union and they confirmed they use this company to verify unusual transactions.
 Jan 13th, 2017
Received multiple calls from this "Transaction Review Department" - the number that showed up on my caller ID was 402-609-5706. The voicemails they left were automated messages but with very broken English and lots of pauses, it was very hard to understand what was actually being said. The number they left to call back was 800-622-1361. I checked with my Credit Union first and was told this was a scam. Apparently I tried using my debit card in a Coca Cola vending machine that had a card skimmer in it, which then led to these phone calls. My Credit Union told me there was nothing wrong with my card and not to return the calls I was receiving.
 Aug 23rd, 2016
We don't have a home phone, but do have a landline number (part of a package). I receive any messages left on this number through e-mail. Most of the messages we receive are for the person who had this number previously, and I wasn't sure anyone we deal with actually has this number. I had two e-mails (yesterday and this morning) saying they were calling on behalf of my credit union (actually gave their name, which was correct). After reading this thread, I decided to call the number just to see what was up. The first question was "what number did we leave the message on"? When I gave him the landline number, he proceeded to ask if I attempted to use my card for the same amount 3 different times. I had, in fact, tried booking a hotel room online yesterday. Twice it said "refused", so I called my bank and did it again with them on the phone. Again, it was refused. She said she couldn't see it trying to hit our account, so it must have been something with their website. According to the fraud department guy, the processing company that this hotel uses on their website is located in Europe, which is why my card was declined. Luckily, I booked at a different hotel last night with no problems. Again, this IS legit and no personal information, other than my name, was asked for.
 Aug 29th, 2015
Some kind of Phishing Scheme. They may have card readers in some ATM's. My husband is in San Fran this weekend. They called our home and said they wanted to talk to him. But I explained that I am on all of our accounts and they can talk to me. They refused. They said they were calling to verify some recent activity on our Discover card. We don't have a Discover Card. They gave me this number for my husband to call. I called our bank to verify the fraud unit phone number and it doesn't match. Don't call them back . . . call your bank.
 Jun 06th, 2015
I called 5th/3rd and they had no idea whose number this was. The Customer Service Rep from 5th/3rd called the number and said the "Transaction Verification" is NOT 5th/3rd. She advised me to ignore the calls.
 Mar 03rd, 2014
My bank told me it was the Star Network, who issues the card and that it's not uncommon for them to call and verify that an unusual transaction was really you. Red flags can include large purchases and purchases outside of your general geographic area. I tried to buy something from a site that turned out to be in China, which is suspicious, so they shut it down. It's a good saftey measure.
The down side is that your card is locked up until you call either your bank or this 800 number.
My bank said to give them a call before I do anything like that so they can add the website to my approved list.
So it's legit. They're just protecting themselves and you.
 Jan 17th, 2013
Yes, this IS a legitmate service. Over the holiday weekend I made some out of the norm washing machine, running shoes, import car a voice message from these folks using my bank's name.

Right away I called my bank & even though they know me well, they said they didnt really know what I was talking about. Took down the info from the phone message and I looked the call up here.

Called the bank back, told them what I found and they then confirmed that yes, this is their service they use but for security reasons could not tell me that at the time...odd but whatever.

Called these folks back, spoke to a very nice older lady who followed exactly what you all have documented:
*asked for the phone number they had called.
*verified my name.
*she proceeded to name companies AND the exact amounts with dates of my last several purchases.

In light that I work very hard for my money & do not spend it wildly or without going through much research before I buy anything (other than basic necessities)...I am impressed and thankful for this service.
 Dec 31st, 2012
This is LEGIT! I called my bank to confirm and someone had put 1000 dollars on my card! So glad they called and we got those charges taken care of while they were still pending.
 Nov 17th, 2012
Re: 800-622-1361
Received a call from a synthesized female voice last night at 643pm that it was the (transaction verification department) calling on behalf of my bank and I needed to call them back at the above number to review transactions on my ‘blank’. Did not say type of account in anyway, just an incomplete sentence and then their call back number.

The caller ID was ‘Out of Area’ and the VM (Frontier) said it was from ‘0117’ so I am suspicious. I will be calling my bank ASAP.
 Nov 07th, 2012
I received a call from this number. I called my bank first and they assured me that it was for the verificationof recent transactions. The employee from the bank said to call it back and the only info I would be asked for is the number at which the message was left and my name. They should then verify my bank's name and the values and store names of the transactions in question. For my instance, the number is legit.
 Apr 02nd, 2012
Check with your bank first. Even though this was legit for me it may not be for others.
 Mar 07th, 2012
This is a legitimate transaction verification service used by many financial institutions. For identification purposes they should only ask for the phone number where they left the message and for your name. They will then tell you which credit/debit card and list off recent transactions for you to confirm. That's it.
 Jul 22nd, 2011
I was about to reserve a hotel room in Canada with my bank's Visa debit card & somebody told me I should call my bank first & tell them that I will be using my card in another country so the transaction wouldn't be stopped because the transaction might look suspicious to them. I didn't think I needed to do this, but I called anyway.
I was right I didn't need to call my bank & notify them that I would be using my card in Canada. I was told to call 800-622-1361 if there was any suspicious activity or I had any fraudulent charges on my card. So I feel 800-622-1361 is a legitimate number to call.
 Jun 30th, 2011
Was legit. Called my credit union first, went through transactions. They sent me to this number.
 May 03rd, 2011
just got a call from 800-830-8574. left a vm for me to call 800-622-1361 (transaction verification department). called my credit union. as suspected this was a bogus deal. caller id was blank save the calling phone number.
no dice
 Aug 20th, 2010
just got a call from 800-830-8574. left a vm for me to call 800-622-1361 (transaction verification department). called my credit union. as suspected this was a bogus deal. caller id was blank save the calling phone number.
no dice
 Aug 20th, 2010
was legitimate, never asked for any proprietary info, asked about suspicious transactions, cautiously answered questions.....after call contacted TCU and they verified their legitimacy....
 May 07th, 2010
used my bank name and alerted me to a transaction i did not make.
 Jan 13th, 2010
DO NOT CALL this number back. Call your bank instead. These people were calling my relatives about MY bank account stating that they needed to verify recent transactions with me. I chose to call my bank instead. There were no suspicious charges pending, everything checked out okay, and the bank did not recognize the 800-622-1361 phone number. This is a half-assed attempt at phishing. Be smart, call your bank at a phone number you know is legit and don't listen to people on this forum (because you don't really know them either) that tell you that it is all good, or that they work for the so called 'legit' company.

example of phishing: telling you that there is a high dollar charge pending for a porno site, to which you reply that it is not legit, they say okay we'll remove it, then they get all your info because you think they just saved you from being scammed out of some cash. In reality, there never was a pending charge, which is why you never see any debit and credit on your bank statement for the so called bogus charge. Face it, the only legit source for information on your credit/bank account is the bank or creditor you hold the account with. NEVER trust a third party.
 Feb 17th, 2009
I got a call from the 800 # as well, couldn't give entire name of bank, would not discuss with me wanted to talk to my husband.. well I didn't give any info and she didn't get very far. told her to call around 1pm. I called my bank immediately.
 Dec 26th, 2008
I just got access to my voicemail after having been unable to receive it for last several months (thanks to our IT dept;) There were 4 messages from this caller. All had the same contents.. Terry Falconi on behalf on my bank.. recent transactions on the debit card.. call 1-800.. 24/7.

What stroke me was that the callers were four different people - two men, two women - all named Terry Falconi!
Igor B
 Dec 23rd, 2008
In response to "talli", it is a code name but what sets us apart is the fact that we dont't ask for card #'s, s.s.#'s, accout #'s. We simply don't have that info. The purpose of the call is that the card holder is one that made the transaction. Simple as that. If you do get a call from "terry falconi asking for more info then please do ask WHY or obviously ASK YOUR BANK!!!!!!!!!!!! Why would we give you phone numbers & strongly urge you to call your financial institution if we indeed are trying to scam you? If we were trying to scam you & you told us you were going to call your bank & turn us in - don't you think we would hang up????
terry falconi
 Nov 02nd, 2008
Um, maybe not a good idea to reveal that the "name" is a security code. Then it won't be secure anymore.
 Sep 09th, 2008
I'm relieved to hear that many people have determined that this is a legit business. I didn't think anything of it since I had just made a huge online payment to a company yesterday, and thought that that's what had gotten them concerned. But after the call, I realized they had asked about a lot of other charges and remembered that my credit union advises against releasing any personal information to anyone. So I got worried. This has happened before, where I've only had to confirm information (so it seemed legit), and then came to find that I was getting charged $20 a month and it was a scam. So I was worried that this was a similar thing. So I googled the number, and found this site, and am feeling a lot better about it.
 Sep 09th, 2008
I forgot to add...the only info asked was name, last 4 # of the card and phone number they left a message at.
 Aug 31st, 2008
This is legit. It is a STAR network fraud monitoring service. They monitor many banks that issue STAR cc's. They blocked an attempt to make an unauthorized charge on my debit card. This info coincided with the info given to me by my bank when I spoke to my branch rep.
 Aug 31st, 2008
Okay, they are legit. I called my bank and they verified it, plus, my bank pulled up the transactions they were questioning and I verified the questionable transactions with my bank. However, when a company calls someone and asks about financial transactions, then another entirely different voice calls and says they are the same person (Terry Falconi) and they're asking about financial transactions they have to realize people are going to question that and think its fraudulent.
 Jul 29th, 2008
I never thought fraud could happen to me! I got a call on a Sunday which made me suspicious, but evedently this card security department is a 24 hour a day service for you to call to verify transactions on a DEBIT card. A guy called saying he was "Terry Falconi" from the transaction review department from my Bank, and needed to verify a charge on my debit card. They NEVER asked for pers. info, and they gave ME all the info, all I had to say was yes/no or I wasn't sure. I HAD A CHARGE FROM A PORNO BILLING COMPANY! BY THE WAY, ANYTHING FROM A COMPANY FROM "IPAY FRIENDFINDER" IS A BULLSHIT PORNO! Those assholes with the IPAY thing tried to charge $125.99 to my debit card! WE shut my card down and immediately hang up and call my customer service so they could have me do a fraud report. On Monday, My bank rep was able to pull my accnt and sure as shit it was there. I did asked the bank lady who this company was because this terry guy said they were "third party" security,she told me it was a company called FIRST DATA Omaha and they owned the STAR NETWORK which basically is if anybody has ever used a debit card with the STAR Logo, you got the protection I have! I also found out that Terry is not their real names,its a name used So if a cardholder calls a bank to legitimize this company, they say "TERRY FALCONI" and the reps know its legit. SAVED MY ASS A GOOD CHUNK OF CHANGE!
Gina Calloway
 May 20th, 2008
They al so use 800-327-8622.
 Mar 19th, 2008
I received 2 calls, one from a man and one from a woman. They both said there name was Terry Facone. When I called them back I asked why they both used the same name. She said everyone in that department uses that name to be recognized by the banks. This seems really shady when they lie about their name however it is a legit department.
terry falcone
 Feb 15th, 2008
Left a message on my voice mail saying he was calling from my bank and wanted to verify a charge to my debit card. Said to call this number back anytime as they were available 24 hrs/ day.
 Feb 11th, 2008
 Jan 25th, 2008
 Jan 25th, 2008
They called twice w/in 30 minutes of each other, 2 different people, 1 lady and 1 man both saying they are Terry Falcone. I called them and they said they are w/ the Transaction Dept of my credit union. they could not give me any info b/c they called for my husband.
 Jan 25th, 2008
Had a phone call from this company. Contacted my bank and they stated that this a legitimate company and the bank uses this when I used Pay Pal.
Daryle W
 Jan 03rd, 2008
As for thinking it's "fishy" to be calling at 8:00 P.M. on a Sunday night is what we are allowed to do. We are allowed to call from 7:00 A.M. - 9:00 P.M. on Monday - Fridays, 8:00 A.M. - 9:00 P.M. on Saturdays, and 9:00 A.M. - 9:00 P.M. on Sundays. It's either that, or you take chances for your card to have fraud. If the score's high enough, we can block the cards, because of the suspiciousness. So, whether or not you verify transactions, if it looks out of the ordinary enough, chances are, the card can be blocked. As for not being card holders, the financial institutions send the information to us, so if your number happens to be a wrong number, and the case is reactivated, you will get another call from us. I suggest you call the Financial Institution's Customer Service number that we are calling on behalf and have them fix it. I think it's funny people say we ask for bank information, when all we are permitted to ask is your name, and phone number, and if the transactions were yours or not. We don't ask any SSN's, account numbers, card numbers, CVS codes, or anything, how would we be scamming you if we don't ask for any of those numbers? As for the different phone numbers, we have 2 different domains we use, one is 800-327-8622 and the other one is 8006221361. Both numbers come into the same department, just different domains, which we look up the number on both anyways. Anyways, enjoy the phone calls! :)
works there too
 Dec 12th, 2007
This is a debit card transaction review department for many banks and credit unions across the nation. They monitor transactions on your debit card, if you bank card or ATM has the star logo on it, they most likely use this service to identify fraud before it happens. They are known as the STAR network ( All they ask for is the card holder, tell them what bank they're calling on behalf of, and ask about some recent purchases made. If you call them back, they'll ask for the number the message was left on, and your first and last name to make sure they're talking to the card holder. They cannot and will not speak to anyone else. It is just a basic service that banks can have, and that is why no other personal info is asked for. Terry Falconi will call you every single time, whether male or female.
works for them
 Dec 08th, 2007
This is the STAR network (, and this is the simple service that many banks and credit unions have to montior transactions on your debit card. You'll see the logo on the back of your card and on your bank or credit union's ATMs. They also use the number 800-327-8622.
no one
 Dec 08th, 2007
It's correct that the only information they ask for is your name, phone number and time that they called you.
They didn't ask for any other information.
They know all the charges I had made in the last few hours
Seems like a legit service.
 Dec 07th, 2007
EXCUSE ME!!!! i just had a manager tell me that people on here thinks that were no not really i actually work for this department and i have been for a couple months now i actually understand y u would think that were not an ok system but were actually looking out for many diffrent credit unions around the U.S i never knew people did things like this. PS: some people actually appreciate us
 Dec 06th, 2007
They are actually trying to protect debit cards, you know like an extra security system, they dont ask for any inoformation from you just simple verification of the usage on your debit card, and they state them for you
Mia B
 Dec 06th, 2007
Claimed to want to discuss fraudulent use of my debit card, I have not called them back, I plan to call my Credit Union first.
 Dec 05th, 2007
The number is legitimate. They are an agency that monitors your bank/credit unions activity, when they see random charges they verify them with the account holder. they will basically tell you where the transaction was done at and if you made the purchase.
Thomas R
 Oct 18th, 2007
I got this message that they were calling to veryfy transactions on my bank account and used my bank's name. I called them, and she asked me for the phone number where they left the message, and if it was a residence or a business. At that point I got concerned and hung up and called my bank. I told them what was going on and gave them the phone number I was told to call. She said it was legitimate and to call back. So I did, gave them my phone number again, and told them residence. Then they asked my name and no further information. I did not provide my bank acct number or anything. Then they listed some transactions from the previous day and asked if they were legit, I said yes and that was that.
Christine R
 Sep 27th, 2007
Got a voice mail early in the am about charges made on my ATM card. Before I called I looked up my account online and there were 4 fraudulent T-mobile charges, I called back, they didn't ask for any sensitive info. and said a block would be placed on the card. I then called my banks atm card dept. and they verified that a block had been placed on the card. The number is real but as in all things, only give out personal info. on phone calls that you initiate, on phone numbers that you know are bona-fide.
Armand G.
 Sep 22nd, 2007
Just a scam.

Received a voice mail from them. Telling me that they want to confirm with my checkcard of my company's credit union. Unfortunately I do not have a check card (or credit card) from that union.
 Aug 21st, 2007
Called trying to get info from our 10 year old. Never asked for an adult. Asked questions about a credit card.

Unknown name on caller-id.
 Jul 04th, 2007
Received a call today, they used my credit unions name and wanted to talk to husband to confirm charges on his bank card. Gave me a totally different number for him to call back: 800-327-8622
 May 23rd, 2007
Claimed to be with my credit union first- to verify charges then claimed to be with STAR and asked information about my card- when I got it, if it has a logo on it, etc. Also, the call was placed to a number not listed with my credit union
 May 10th, 2007
Receieved call from female subject who advised she was from the transaction review department. Thinking it was a bill collector, I told them I didn't know who I was and attempted to gain more information. She didn't provide it so I kept my orginal claim of who is that guy and hung up. After calling them back, they had my number that I was calling from and advised me of my bank name, then advised they were just calling to confirm 2 specific charges that were in fact valid charges. I don't like the way they handled it but at least on face value, it seems they were legitimate. I provided no information on call back and they knew the bank name, and specific charges that I had made and they were attempting to confirm. I said yep those are okay and the call was done.
s laws
 Feb 28th, 2007
This number is to the Fraud Detection department for a debit card clearinghouse that is used by numerous credit unions. I got a call about 10 minutes after a large PayPal transaction and verified that it is OK through my credit union.
Mike G.
 Feb 16th, 2007
Received a message from this number calling to verify transactions on my debit account. They used my credit union's name, but when I called my credit union directly and gave them the 800-number given to call, they said they don't use them.
Terri C.
 Feb 06th, 2007
another scam
budd johnson
 Jan 17th, 2007