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Target Information Breach

 
Between November 27 and December 15, 2013, Target customers were victim to a massive security breach. Millions of credit and debit card numbers have been stolen, and card issuers are diligently working to issue new cards and protect their cardholders’ accounts. Here is what we know about the breach:
 
  • 70 million Target customers have been affected
  • Affected New Dimensions FCU members have been contacted and issued new cards
  • Additional Target customer information has been compromised, including addresses, phone numbers, and email addresses
  • The Target hackers are selling information and issuing fake cards
  • Social Security Numbers have not been compromised
  • Victims are not liable for fraud that occur on their cards
Target is reaching out to affected customers with email addresses on file. They have stated that personal information will not be requested in these communications. The retailer will also be offering free credit monitoring for one year to concerned customers. You may enroll for this service through www.target.com.

Members who used their Élan Visa credit card during the breach will be reached out to by Élan separately. Élan is re-issuing credit cards with new expiration dates and CVVs, however the card numbers will remain the same. You are protected from fraud when you use your Élan credit card just as you are when you use your Visa Debit Card. 
 
It is always a good idea to be vigilant any time that you open an email or receive a phone call from a number you do not know. Here are some tips to reduce your chance of fraud happening to you:
 
·         * Be cautious opening emails, especially if they have attachments or links to websites that you are unfamiliar with. These emails and links could contain viruses that steal your personal information. Fraudulent websites may also ask for your personal information. If you do not know the sender, or you are uncomfortable with the email, the best thing to do is delete it.
·         * If someone calls you and asks for your personal information or numbers, tell the caller that you do not give out this information and ask why it is needed. Your financial institution has this information on file from when you opened your account.
·         * New Dimensions FCU may call you for a legitimate business purpose. If you do not feel comfortable with the call, please contact us directly through our toll-free number, 1-800-326-6190. This way, you can be certain that you are speaking with a New Dimensions FCU representative.
·         * Always monitor your account for unauthorized transactions. If your funds have been accessed without your authorization, your institution must know immediately so that they can prevent more fraud from happening. It is also a good idea to check your credit report at least once per year, to monitor for trades that have been opened illegally under your name.
Remember, your New Dimensions FCU Visa Debit Card is safe to use – safer to use than cash. Should you be victim to fraud, you are covered under zero-liability policies. If you have any concerns regarding the breach, or scams in general, you can always contact your credit union for assistance.