Reply
Valued Member
Lynnst
Posts: 32
Registered: ‎08-03-2012

Target Security Breach Fallout

I had the misfortune to use my BOA Cash Rewards card and my Chase Southwest card at Target during the period of the security breach.  With no notice, BOA “closed” my account and reissued a new card number. I discovered this when I went online to check my account. When I called to find out what was going on, a CSR explained that it wasn’t really closed – they just deactivated that number and issued a new card with a new number.  I just can’t believe they did it without notifying me.  The CSR said they mailed the new cards with an explanation.  On the flip side – Chase sent me an email saying my current card is being replaced and that the current card will be honored until February 21st or until I activate the replacement card.  Chase certainly wins in the customer service comparison…

 

Has anyone else experienced this?


BofA AAA Visa 16K, PNC Flex Visa 15.9K, BofA Cash Rewards 6K, Chase Southwest Visa 12K, Cap One Quicksilver 3K
Super Contributor
enharu
Posts: 6,828
Registered: ‎02-27-2013

Re: Target Security Breach Fallout

This practice by BofA, as irritating and inconvenient as it may be for the customer, isn't out of the norm.

Banks want to replace their cards ASAP to minimize on losses and fraud. In order to do so, one of the best ways to do it is to reissue it and cancel the old numbers right away, rather than to take their own sweet time trying to contact customers first. Some customers may not be reached the first time, and it may take up to several days before the bank even gets a hold of them. This does make it inconvenient for the customer, especially if you are overseas.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Discover IT (15k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k).
Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: Target Security Breach Fallout

Yes, I experienced the exact same situation that you described. The notification came by email about a week later. I just happened to log on to check on the status of my account, as I like to keep a close eye on things, and discovered that the account wasn't available. I called up the 800 number on the back of the card and the automated system told me the account was closed. I spoke to a CSR who explained that it was because of a security breach reported by a merchant (Target? I asked. Yes, was the answer.) and that they had already issued me a new card. The card arrived yesterday. You should be fine, but I agree that they should have informed customers sooner.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 2,964
Registered: ‎10-02-2012

Re: Target Security Breach Fallout

My DS used her WF Debit card last week at Target. Is it safe to use cards at Target now?

Wells Fargo Platinum VISA $1,000
Sony VISA $500
Bloomingdale's Credit Card $800
Macy's Credit Card $600
EX FICO---,EQ FICO---,TU FICO---, AAOA---, In the Garden Since 03-25-14
Valued Contributor
gdale6
Posts: 4,957
Registered: ‎12-13-2013

Re: Target Security Breach Fallout


BearsAndTurtlesRtheBest wrote:

My DS used her WF Debit card last week at Target. Is it safe to use cards at Target now?


I would not be using plastic of any sort at Target and be paying with cold hard cash, not even check which they will convert to electronic....

EX CS Fako 04/14: 767 ; EX BC Fico 8 04/14: 802
EQ Classic Fico 01/14 773 ; EQ MPM 04/14: 765
TU Discover FICO 03/14: 717; TU MPM 04/14 706
Contributor
RnJ
Posts: 173
Registered: ‎08-18-2012

Re: Target Security Breach Fallout

I wouldn't trust Target with a ten-foot pole, for quite awhile - at least until the senate hearings make their conclusions and until Target fixes their multiple issues with Target credit/debit cards, gift cards, backtracking on returns and refunds, admits their online shopping site is snafu'd, and comes clean about why they stored customers' data for so long and with whom they shared it with.  JMO.

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 2,964
Registered: ‎10-02-2012

Re: Target Security Breach Fallout

Yeah hopefully she didnt get herself into trouble, How would we know she got into a big mess? 

Wells Fargo Platinum VISA $1,000
Sony VISA $500
Bloomingdale's Credit Card $800
Macy's Credit Card $600
EX FICO---,EQ FICO---,TU FICO---, AAOA---, In the Garden Since 03-25-14
Senior Contributor
Open123
Posts: 3,849
Registered: ‎02-23-2011

Re: Target Security Breach Fallout

As is usually the case, this breach could have been more widespread than what Target initially had reported.  

 

There have been reports that personal information may have been compromised (home, phone numbers, email addresses, and even encrypted debit pin #s).

 

 

Contributor
RnJ
Posts: 173
Registered: ‎08-18-2012

Re: Target Security Breach Fallout

Open123, those reports have already been confirmed.  Target admitted the methods they used to email their customers for signing up to the credit-monitoring - the info they gathered was from previous sales, email addresses used for sign-ups, baby/wedding registries, surveys, online shopping, their Target card app info and god knows what else (employee applications anyone?), much of this on people who had not shopped or had anything to do with Target in years.  Scanning DL's I'm guessing, is also a major contention but Target is sidestepping that one.

Senior Contributor
Open123
Posts: 3,849
Registered: ‎02-23-2011

Re: Target Security Breach Fallout


RnJ wrote:Scanning DL's I'm guessing, is also a major contention but Target is sidestepping that one.

If they engaged in this practice, those compromised should start a class action suit and sue them for damages.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+