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Contributor
Galaim
Posts: 179
Registered: ‎12-17-2013
0

Target Data Breach

Well, it happened. 

 

Yesterday i I received an email at midnight and again at 5am to call FNBO Fraud Dept, as well as phone messages. I got in to work yesterday am and called them, and there was a charge they'd stopped for $82 and change from <three initials> Europe out of the Netherlands. I didn't recognize the tx and had them report the fraud and issue a new card. I've been closely monitoring all my cards anyway, but more so during this month as I knew I had shopped at Target during the time of the breach.

 

Fast forward to today. I saw the same company listed on my Chase card (which I had just paid off, so I knew there shouldn't be a balance) and the charge was, again, $82 and change. I called them and immediately reported fraud and cancelled/reissued cards.

 

The only other card I used was my debit card and my Target RedCard. I'm watching those like a hawk and will report back whether I see anything on either one. I suspect RedCards will be fine; other companies' cards are likely the ones more at risk simply due to ease of use. 

 

The interesting piece of information: Target has repeatedly said this breach did NOT impact online transactions. However, I only used these cards at Target.com and not in-store. So, either FNBO *and* Chase (one MC, one VISA) were also compromised, or.... Target.com is also involved. 

 

I'd be curious as to whether anyone else has been impacted. And watch your cards for <3 initials> Europe as a charge line for $80-some.

Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Established Contributor
CreditMagic7
Posts: 1,981
Registered: ‎01-04-2014
0

Re: Target Data Breach

Thanks for sharing your results and kudos to you for keeping close watch on your private credit finances.

It shutters me in that i shopped Target for some purchases but thankfully before the dated ranges of this breach.

Also have the RedCard.

It's gonna cost Target i believe a lot more then their willing to admit right now even in the face of their lukewarm attempts to win back confidence.

I think even more yet unknowns are still yet to surface on this issue in the following months.
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Senior Contributor
myjourney
Posts: 25,589
Registered: ‎02-07-2013
0

Re: Target Data Breach

http://ficoforums.myfico.com/t5/Credit-Cards/Target-offers-FREE-one-year-from-experian/td-p/2728091

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Established Contributor
Luscher
Posts: 791
Registered: ‎03-24-2013
0

Re: Target Data Breach

This can happen ANYWHERE. Always look at your statements/accounts each month.
Contributor
Galaim
Posts: 179
Registered: ‎12-17-2013
0

Re: Target Data Breach


myjourney wrote:

http://ficoforums.myfico.com/t5/Credit-Cards/Target-offers-FREE-one-year-from-experian/td-p/2728091


Absolutely, sign up for this! It is not being checked against customer lists, FYI, so everyone should sign up for it if you ever shop at target. 

Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Contributor
Galaim
Posts: 179
Registered: ‎12-17-2013
0

Re: Target Data Breach


Luscher wrote:
This can happen ANYWHERE. Always look at your statements/accounts each month.

100% agreed. I keep a close eye on my accounts as I spent ten years and then some cleaning up after an identity theft. They got me by submitting a change of address to my post office after getting a piece of junk mail misdelivered. They lived in my complex and I didn't catch it for three months because I was still getting some of my mail and was working a ton. By the time they wiped out my bank account on payday and took out dozens of payday loans all over town, I was decimated.  I still occasionally get an old utility bill from those days. It's been a nightmare to rebuild from it. I am taking no chances and check all accounts online daily, which may be overkill but I caught the fraudulent Chase charge this morning, so I'm not going to be stopping that habit. 

Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Contributor
Galaim
Posts: 179
Registered: ‎12-17-2013
0

Re: Target Data Breach


CreditMagic7 wrote:
Thanks for sharing your results and kudos to you for keeping close watch on your private credit finances.

It shutters me in that i shopped Target for some purchases but thankfully before the dated ranges of this breach.

Also have the RedCard.

It's gonna cost Target i believe a lot more then their willing to admit right now even in the face of their lukewarm attempts to win back confidence.

I think even more yet unknowns are still yet to surface on this issue in the following months.

I absolutely agree! as only now are some charges popping up. I  did let both card issuers know it was potentially target related, and they both indicated they had been tracking them with specific flags in their systems. 

 

Interestingly to me, chase thanked me about 25 times for my business during the call as my account date is 2005. You'd think they'd show some luuuuv with a CLI... ;-)

Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Established Contributor
Luscher
Posts: 791
Registered: ‎03-24-2013
0

Re: Target Data Breach

Its funny how this happened to Neiman Marcus the same time as Target (they were smart enough to not tell anybody until after the holidays) but you really haven't heard to much about it.
Contributor
Galaim
Posts: 179
Registered: ‎12-17-2013
0

Re: Target Data Breach

I'd heard about it with Neimans but I don't shop there so wasn't paying as close attention to the story. As Target tends to cater to 80% or so of the population and Niemans caters to the 1% (which is NOT a dig, just a fact - I'd love to be able to afford to shop there. The customer service is beyond fantastic!) so my best guess is that it's simply a numbers game. Fewer people impacted = less media attention. And to be fair, there's likely some class bias involved as well.
Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Established Contributor
Luscher
Posts: 791
Registered: ‎03-24-2013
0

Re: Target Data Breach

I think it is mostly because they were smart enough to wait to tell people. Target was the first and chose the worst time to tell people (holiday)

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