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Assuming the caller ID was not spoofed, this call is LEGIT. This company performs fraud prevention services for UWCU and maybe other companies. They provide you with a generic reference number on their voice mail. You call back, provide the reference number, verify your name (not any sensitive information) and they read the details of a recent questionable transaction. You tell them if it was really you or not. If so, they say "have a nice day" and you're done. If it was NOT you, they offer to freeze that account and then you need to contact your financial institution to make a fraud claim and to get a new card and such.