FiCare Filed Motion Over Fiserv Security
The credit union requested a federal judge block automated card unfreezing features used by Fiserv.
Updated on Oct. 1, 2026 in Financial Crime
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FiCare Federal Credit Union has filed a motion in a Tampa federal court seeking to prevent Fiserv from using its EnFact automated phone system to unfreeze credit cards. The credit union alleges that fraudsters are exploiting the system to reactivate stolen cards.
Why it matters
The dispute highlights growing concerns over automated fraud-alert systems that rely on caller information rather than one-time passcodes. Other credit unions have reported similar security bypasses, raising questions about verification protocols.
FiCare filed the motion in a Tampa federal court on September 23, 2026, with a request for a ruling submitted on September 28. Fiserv is required to file a written response to the court by October 5, 2026.
The players
FiCare Federal Credit Union
A financial institution that has challenged the fraud-alert security protocols utilized by its service provider.
Fiserv
A global provider of financial services technology that operates the EnFact automated fraud-alert platform.
The details
FiCare alleges that the EnFact system, which unfreezes cards based on case numbers or Social Security information, is being exploited by criminals. Fiserv contends that security features like one-time passcodes are optional, and clients choose whether to implement them.
Timeline
August 2, 2026: A suspected fraudster bypassed automated security checks.
September 23, 2026: FiCare filed a legal motion regarding the systems.
September 24, 2026: Fiserv counsel sent an email regarding security settings.
September 28, 2026: FiCare requested an official ruling from the judge.
October 5, 2026: Fiserv is scheduled to file its formal response.
Legal Context
This case follows a pattern of financial institutions challenging third-party providers over the efficacy of automated security systems. It reflects an ongoing trend where credit unions face increased pressure to adopt stronger, multi-factor authentication methods.
Credit union members may see temporary changes to how their cards are managed if security protocols are updated. Residents in the area should monitor their account statements closely while the legal dispute over card unfreezing procedures remains unresolved.
The takeaway
This dispute emphasizes that security is a shared responsibility between financial institutions and their technology vendors. Customers should prioritize enabling one-time passcodes on their accounts whenever such features are offered.
What happens next
Fiserv is scheduled to file a written response to the court in Tampa regarding the motion by October 5, 2026.
Further reading
For additional context on legal disputes involving security protocols, see Financial Crime.
Source note: This article includes information reported by American Banker.
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