wellspoken

December 20, 2013

Dear CapEd Members,

As your credit union, one of our top priorities is to protect your personal and financial information. We know many of you have concerns about the reported intrusion that may have compromised Target debit and credit card transactions conducted between Nov. 27 and Dec. 15, 2013.

Here is what we know:  Target Corporation confirmed that data from about 40 million credit and debit cards may have been stolen from shoppers during the first three weeks of the 2013 holiday shopping season. On 1/11/14, Target confirmed personal information—such as names, mailing addresses, phone numbers, and email addresses—was also obtained on 70 million of their customers.

On 1/10/14, Neiman-Marcus, a luxury retailer, confirmed they have also fallen victim to hackers. No information regarding the number of affected customers from that breach has been released.

Both Target and Neiman-Marcus pointed to malware that was installed on point-of-sale registers and assures its customers that the issue has been resolved.

If you have a CapEd debit card or credit card that may have been affected by either breach, here’s what you should do:

  1. Check your account statements and reconcile store purchase receipts. Watch for micropayments—hackers often test the account with very small charges.
  2. If you see questionable activity, contact us during business hours at 208-884-0150 or 800-223-7283. After business hours, call 800-554-8969 for debit card activity, or 800-991-4964 for credit card activity.
  3. DO NOT respond to any email or phone call that directs you to give out your personal information. If you are identified as an affected member, you may receive a phone call from our monitoring company (who will NEVER ask for personal information since we already have it) or CapEd will send you a letter via U.S. mail.
  4. If you believe your debit card is at risk, stop by the Meridian, Thunderbolt, or Nampa branch before 4:00 p.m. on a business day and we will replace your card and pin the same day. You can get a replacement card at any other branch by the next business day.
  5. If you believe your credit card is at risk, contact Visa directly at 800-991-4964.
  6. Contact any vendors, services, subscriptions, or automatic payments that are associated with the card you are replacing to provide them with your new card number.
  7. Consider investing in an identity theft protection service, such as Fraud-Defender, to monitor and protect your personally identifiable information and credit status.

If you have a Target Red Card that is attached to your CapEd account and may have been affected by the data breach, contact Target at (866) 852‐8680 or go to their website at https://corporate.target.com.

If you have additional questions regarding your CapEd accounts, please contact us at 208-884-0150 or 800-223-7283.

Sincerely,

Member Services Department

CapEd Credit Union

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