Target Announced Unauthorized Access to Payment Card Data In Their U.S. Stores
According to the Target press release, the unauthorized access may impact customers that made credit or debit card purchases in their U.S. stores from Nov. 27 to Dec. 15, 2013. The data theft happened in stores, not online. We recommend that you remain vigilant for incidents of fraud and identity theft by regularly reviewing your account activity and account statements. If you discover any suspicious or unusual activity on your accounts or suspect fraud, be sure to report it immediately to Austin Telco. Also to help minimize potential fraud you can sign up for Alerts to notify you when a transaction has been made on your debit or credit card.
Below is a link to the press release from Target about the incident.
If your ATFCU credit or debit card is among those used at Target during the compromised timeframe, and you have not already requested a new card, a replacement card will be ordered for you. Please activate the new card as soon as you receive it in the mail. If you have preauthorized payments set up on your card, you will need to update your new card number with those companies.
Activating Your New Card
Although the mailing notification sent with your new card indicated that the PIN number would remain the same as your previous card, our card processor was unable to duplicate your existing PIN.
A new PIN number has been created and mailed to you; it should arrive in 2-5 days. You may continue using your old card for Debit or ATM transactions until you receive the PIN number for your new card. Until your new PIN number arrives, you can use the new card by selecting the "Credit" option at any merchant. If you would like to create your own custom PIN number, please take the new card to any of our 23 branch locations during normal lobby hours.
We apologize for any inconvenience this may have caused, but the safety and security of your account information is one of our primary concerns. Please feel free to contact the credit union at (512) 302-5555 x7190 with any questions or concerns.
To activate your new ATFCU credit or debit card please do one of the following:
- Go to your Online Banking account and select "Activate New Visa Card" from the "Card Services" tab.
- Call Touch Tone Teller at 512-302-4444 and choose option 2.
- Visit one of our 23 Locations to have a staff member assist you with activation.
Monitor Your Account
In addition to our fraud prevention services, we recommend that you also:
- Monitor your account regularly with Online Banking and ATFCU Mobile App
- Sign up for our Alerts to notify you of recent charges to your account
- Register your card at Visa Checkout
Scam Emails/Phone Calls
Be on alert for fake phone calls, emails and letters asking for your personal information. Scammers have already started sending out notifications in Target's name trying to trick users into sharing their personal information or complete online surveys. Security experts recommend that you not acknowledge or click links on an unsolicited email. Austin Telco will never make a call or email requesting your personal information. If you receive a call or email requesting your personal information that claims to be from Austin Telco, please ignore it. If you have already received such a call or email, and may have compromised information regarding your account, please contact our fraud department at 512-302-5555 x7194.
Target is offering 1 year of free credit monitoring. Click here to find out more.
Target Security Breach
Austin Telco Member Service Q&A
Here is a PDF that answers some questions about the Target Breach.
Q: Media reports are stating that Target experienced a data breach. Can you provide more specifics?
A: Yes, we have received information from Target that it experienced unauthorized access
to its systems resulting in the compromise of credit and debit card information.
Although certain card account data may have been compromised in this incident that does not mean data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account to protect you from fraud. You will be contacted if we see any activity that requires you to take any action. You should also utilize Austin Telco's Alert program for Debit and Credit cards to receive immediate notification of any activity. You can activate Alerts through Online Banking.
In addition, please review your monthly and/or online statement carefully and call us back immediately if you see any suspicious activity. It's also important to note that all VISA credit and debit cards are protected with VISA's Zero Liability* policy in the rare event fraud does occur, which means you pay nothing for unauthorized purchases on your account.
Q: Can you tell me if my card information was stolen in this incident or if it has been used fraudulently?
A: Although certain card account data may have been compromised in this incident, it does not mean data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account and continuing to work to protect you from fraud.
As always, please review your monthly and/or online statement carefully and call us immediately if you see any suspicious activity.
Q: I recently noticed fraud on my account. Is this fraud related to the recent incident?
A: At this time, it is unclear whether any particular fraud is related to the incident in question.
Q: How did this happen?
A: Target has confirmed it is aware of unauthorized access to payment card data that may have impacted certain guests making credit and debit card purchases in its U.S. stores. The specifics in the Target case are still under investigation.
Please review your monthly and/or online statement carefully and call us immediately if you see any suspicious activity.
Q: How many cards were involved in the incident?
A: Target announced that approximately 40 million credit and debit card accounts may have been impacted between Nov. 27 and Dec. 15, 2013.
Q: Is it safe to shop at Target?
A: Consumers should feel safe using their cards anywhere VISA is accepted.
Q: Has the security breach been fixed?
A: Yes, Target has confirmed the breach has been resolved.
Q: What part of my information was stolen?
A: Target has confirmed that the customer name, credit or debit card number, the card's expiration date and the CVV (the secret code on the magnetic stripe) may have been compromised. It's important to note, though, that although your information may have been compromised, it does not necessarily mean fraud has occurred or will occur on your account. We are actively monitoring the activity on your account and working to protect you from fraud.
Q: What are the chances that I become a victim of identity theft as a result of this incident?
A: It is our understanding that there wasn't any personally identifying information stolen such as social security numbers, so VISA believes that the risk of identity theft is minimal. However, please continue to monitor your account for any fraudulent charges. Additionally, it's always a good idea to regularly check your credit report for incorrect information. You are entitled to one free copy of your credit report every year at www.annualcreditreport.com or by calling 1(877) 322–8228.
Q: If I become a victim of identity theft, how will you help to restore my good name?
A: In the unlikely event you become a victim of identity theft, Austin Telco and VISA work with the consumer network group, Call for Action, to provide consumers with a toll-free telephone hotline to assist identity theft victims. By calling 1(866) ID-Hotline, victims can receive free and confidential assistance from trained counselors.
Q: What are you doing to protect my personal account information, especially in this case?
A: Working with VISA, Austin Telco offers consumers multiple layers of security protection against fraud, including VISA's Zero Liability policy, the cardholders' ultimate protection. With Zero Liability, consumers are not responsible for any unauthorized purchases made on their VISA cards.
Q: What can I do to ensure this doesn't happen to me again?
A: While we employ the latest systems and technology to monitor and prevent card fraud and merchants also take the necessary precautions to protect your card information, there are some practical steps you can take to help protect your card information:
- Shop with merchants you know. If a deal seems too good to be true, it probably is.
- Check your account statement promptly and immediately report any transactions that you don't recognize.
- Guard your card – don't use it as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.
- Check your credit report at least annually to ensure its accuracy.
- Register your card to use Verified by VISA and shop online with merchants that participate in the Verified by VISA service. This provides additional protection againstunauthorized use of your card online.
Q: What should I do if I experience fraud on my account?
A: Please monitor your account – both your monthly statement and online – and let us know immediately if you see unauthorized purchases.
Q: Are there any other tips you can provide to reduce my chances of card fraud?
A: Yes. There are several actions you can take to protect your personal information. These tips are also available at www.VISA.com.
- Shred all personal and financial information such as bills, bank statements, ATM receipts, and credit card offers before you throw it away.
- Keep your personal documentation (e.g., birth certificate, Social Security card, etc.) and your bank and credit card records in a secure place.
- Call the post office immediately if you are not receiving your mail. To get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.
- Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.
- Limit the number of credit cards and other personal information that you carry in your wallet or purse.
- Report lost or stolen credit cards immediately.
- Cancel all inactive credit card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.
- Closely monitor the expiration dates on your credit cards. Contact the credit issuer if the replacement card is not received prior to your credit card's expiration date.
- Sign all new credit cards upon receipt.
- Review your credit reports annually.
- Use passwords on your credit cards, bank accounts, and phone cards. Avoid using the obvious passwords – such as your mother's maiden name, your birth date, and the last four digits of your Social Security or phone number.
- Match your credit card receipts against monthly bills to make sure there are no unauthorized charges.
- Volunteer any personal information when you use your credit card.
- Give your Social Security number, credit card number, or any bank account details over the phone unless you have initiated the call and know that the business that you are dealing with is reputable.
- Leave receipts at ATMs, financial institution counters, or unattended gasoline pumps.
- Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup.
- Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.
- Disclose bank account numbers, credit card account numbers, and other personal financial data on any web site or online service location, unless you receive a secured authentication key from your provider.