Skip to comments.Target says stolen info in data breach almost doubles to 70 million
Posted on 01/10/2014 10:12:25 AM PST by John W
The massive credit card heist at Target stores across the country was nearly twice as large as previously revealed, with the retailer saying at least 70 million customers were hit -- making it one of the largest security breaches of its kind.
The newly disclosed victims included customers whose data was obtained by Target prior to Black Friday.
The company said Friday that as part of its ongoing probe it found that some customer information, apart from the 40 million payment card accounts previously disclosed, was stolen during the data breach. It said this is not a new breach.
The stolen information includes names, mailing addresses, phone numbers or email addresses for up to 70 million individuals.
This is why I always lecture people to NOT USE BANK DEBIT cards, but still many refuse to listen and use them.
Credit cards are king, but if you cant get one cos of bad credit then pay in cash.
But Do NOT use debit cards.
My bank just sent me a new debit card because I had used the bank card to pay for something at Target.
I can’t imagine how much this is costing banks and retailers. Why doesn’t the NSA get busy on that?
But Do NOT use debit cards.
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Had a co-worker a few years ago lose ~$15k that way. I believe it was all eventually fixed, but it took many, many months.
Normally, you can use it as a debit card or a credit card (assuming you have one of the cards that has “Visa” or some other logo on the side) and it’s much safer. However, I do that but apparently because I had a Target account, even that was compromised.
I think these people should be taken out and shot at dawn. Plus, you know most of the money they steal goes either to support terrorism or to the Russian or Chinese mobs.
“Why doesn’t the NSA get busy on that?”
Because they are too busy reading your emails and listening to your telephone calls.
Might be the judgment of God because they refused to let the Salvation Army Bell Ringers outside their stores.
So how far prior to Black Friday?
Probably not but it does show that their focus is in the wrong direction. They should have been more vigilant about protecting our information rather than protecting us from Christians with bells
That will be the next news to be allowed to trickle out. May be awhile and probably won’t be good news.
I had my checking account tapped into back in September. The last place I had shopped with the card was Target. Luckily my bank caught it early but it took a while to get my $550 back.
I use a debit card almost exclusively, even at fast food.
Very convenient, and safe. My bank has guaranteed that us debit card users will receive the same treatment afforded to CC users as far as fraudulent use.
It’s a small, local bank, and I do check my activity every morning during breakfast.
I’m not a security expert, but it looks like I don’t suffer any more risk than those who pay by check, as those are also processed electronically.
So if you use a bank debit card that is also labeled visa (I have one) as if its a credit card (you tell them 'credit') you can contest charges like its so easy to do with a credit card?
The money's not immediately drawn out of the bank account?
I love my chase MC so much, I get the points awards (redeemed in cash) and I even successfully contest charges I made over service issues, they call that a benefit. They love me too. I pay the entire balance each month.
...and donate money to Planned Butcherhood.
I think, (but not completely sure) the protections on Credit versus Debit are likely the same. But I believe the major difference is while sometimes both may take a few months to clear up, but eventually get resolved, the Debit starts with money removed from your account. The Credit starts with money they claim you owe, but have not yet paid.
How can you believe that? If someone uses my debit card fraudulently, my bank account balance is lower. I am at the mercy of my bank until they restore my true balance. What if somebody sitting in their empire at the small, local bank decides I made the charge, even if I didn't? I'm out the money.
On the other hand, if somebody fraudulently uses my credit card, Visa is out the money. They're sure as heck not getting it from me. They can decide I'm lying, but I'm still not going to pay it if I know the charge was not rightfully mine.
Not taking any ones word I called my bank to ask them about this and they confirmed that my Visa bank debt card has similar protections as you said,
... and apparently the Obama-Pelosi credit card reform bill forbids the merchant from charging those nasty debit card service fees.(HAHAHA) anymore
My Chase is still better. Free rental auto insurance too.
An issue near and dear to my heart.
My credit card info was stolen over the holidays. USBank was fantastic and responsive, as were the vendors scammed.
Here’s the dirty little secret of ID theft: the cops don’t care and will do little, if anything, to help you. I provided them with a ton of info that the victimized vendors gave me, and they still won’t pass it along to the DA for prosecution.
Guess I should have sent the info along with a box of Krispy Kremes.
I don’t trust debit card security at all - I just use mine as an ATM card at my local branch.
I learned something I didn't know from these comments and called my bank to verify.
I didnt know that.
But yes the real credit card is still much superior.
You dont have to pay the charges once you contest them, unless they can prove that you legally have to: that you authorized it and they provided the service or product, and that its not a rip off (like a broken product or the wrong product) .
What irritates me the most about it is that Target was going to remain silent about security breach until a blogger got a tip, investigated the news, and put it on the web. Even then Target wouldn’t confirm the info at first until it went viral. They were thinking only about their holiday sales and the ONLY thing they offered as a percentage off to everyone who shopped over a subsequent weekend.
Since when does a credit card have this much info? The article sounds bogus.
No they don't, they would prefer you carry a balance so they can charge you interest every month in addition to the 3-5% they charge the merchants for everything you buy.
Credit cards today offer so many benefits with no fees its hard to imagine using a debit instead, unless you cant get credit cards at all due to credit problems (that happened to two of my relatives)
A Few years back I used to have to travel long trips every 4 to 6 weeks and I loved those $200 to $300 bonus checks from Chase MC every ~ 10 months.
Now they have continuous double point specials, this quarter its gasoline.
“Its a small, local bank, and I do check my activity every morning during breakfast.”
With online banking? Most people who do online banking use the same computer they use for everything else, including the web. That is a big risk. If you’re going to do online banking it is best not to use a Windows computer, and don’t use that computer for anything else. It should be a computer dedicated solely for banking.
No such problems with good old CASH. Here’s your sign!
One in five of the entire country. Ouch. My bet is nobody is prosecuted for this, but they should be. And Target should be bankrupt. This is gross malfeasance.
LOL, One of my relatives who paid CC interest for years tried to tell me that years ago, recently he had to give up his credit cards for debt consolidation.
Perfect example : Back when I traveled frequently I once misplaced a bill and Chase charged me both interest and a late fee (owch!)
I immediately paid the entire balance with bill pay and then called them a few days later and politely and calmly asked them to refund BOTH to my account (remove both charges from my balance) .
Chase reply “No problem.Is there anything ELSE we can help you with?”
I answered : “No, but I love my chase”
Hubby was also just advised by our bank to not have our accounts linked. Previously, banks recommended you link your savings and checking accounts together in case of over draft and to make transfers easier. Or if you had multiple accounts, link them together to make them easier for you to track, funds could roll easily from one to another, etc. Now, they’re recommending you not have any accounts linked together, so if one account is compromised, the thief can’t drain them all. Lowers your risk, but the bank’s as well.
What percentage of online bankers would you estimate do it exactly as you recommend?
Don’t you find it ADORABLE?
I love the cash rewards, plus, I don’t even wait til I get my statement. Once the charge shows up online, I make a payment.
Haven’t made an interest payment since 2008 (only because I put my father’s entire funeral on my card, and even then I paid it off in 3 months).
They should call it a McDonald’s card, because I’m lovin’ it!
You’re kidding me, right? Do you have any idea how much personal info is in that magnetic strip on the back of your card? You’d be amazed. Yes, name, addy, phone, email, are all there, and that’s just child’s play. It will also have the security code, what you’re recently purchased, and tons more. It’s a scary world.
They call people like me who pay off every month "freeloaders".
I came up with different approach.
I set auto-bill pay to pay my two chase cards bills automatically some nominal amount a week before the monthly due date, my typical average bills amaount, then each month when I get the bills I update the amounts (actually one chase I only use for periodic billing so its always the same), so that way I will never get a late fee even if the mailman loses my bill and I forget.
Had a Citibank MC for years and years. Never used it, except for unusual things. I have a different card that’s my primary. About 4 years ago, I got a letter that they were going to start charging me a $60 a year fee to “improve service.” It didn’t take me 30 seconds to be on the phone with them to cancel the account. The rep. tried to tell me that if I would just charge $2000 a year to the card, they’d “rebate” me back my $60. I told her that was extortion and to look at my record to see I never used the card. I think they were trying to drum up business. I just closed the acct. and never looked back.
Maybe because it happened because NSA was gathering info.
Probably because you never used the account you cost them money. It made sense for them to do that I bet.
I recall in 2009 some on FNC and many here were claiming that the banking reform bill would lead to the CC companies charging monthly fees again like in the 1980s.
I poo-pooed that claim here on thread after thread here relative to below.
They know better than to try that with LadyBuck and me.
We use our cards regularly AND we pay it off every month on time.
That puts us in charge. They know better than to charge us a fee. We are like a King and Queen to them LOL
I have one card that I use regularly and others I only keep open for "emergencies".
I never tell anyone it’s a CC, it’s not, it’s a debit card.
The money is withdrawn from my account in minutes of using it at most merchants, although some take several days. The immediate withdrawal is a benefit in my eyes. I changed banks to get that feature.
If I want delayed withdrawal (payment really) I use a CC.
If there is a discrepancy, I can contest it the same way I contest a CC mistake.
I agree, and when it is settled, there is no difference. But before it is settled, the CC is waiting for you to pay; the DC is holding your money.
I have two accounts at my bank. One has no access other than me moving money via apps or a check. I move money into another one to cover the debit card on that account as needed. My transfers are instantaneous from my phone. Plus I have the best bank Starts with U end with A.
Why is that good?, versus a credit card delayed bill?
Because you have a wife and kids you cant say no too easily?
(my sister used to tell me that for her when she used debit card after she lost her credit)
My bank immediately ‘reverses’ the debt charge (at least on my side) when I contact them, then investigates.
If it’s fraud, they figure out how to makes themselves whole. If it’s not fraud, and simply a mistake on my part, they re-debit my account.
Small, home town bank, this may not be true for others, but it’s an easy way for me to operate on a ‘cash’ basis without using cash.
I would feel insulted except for the fact you don't know my wife. She is of German background, and if that isn't explanation enough, she is a smart, careful shopper.
I married up a couple of brackets!
Kids are grown and gone.
Perhaps they stole the data from customers that shopped online.
It was just a question not an indication that I think I know you.
My married with kids sister lost her credit once so she used to argue(or claim anyway) that if she used credit cards her kids would force her to buy stuff they couldn't afford, I guess she was claiming that's what happened.
I just see no reason a delayed bill is a drawback/.
I forgot to add the real reason we like the debit card, it slows us to operate on a cash basis without the hassle of cash.
We do have a couple of CC, which we use for online purchases. Those have been replaced a number of times in the past few years by the CC company as they were ‘stolen’ and used fraudulently.
We use them so seldom, I set it up to text me whenever they get used for $25 or more. The last two times they were stolen, it was me who called the CC company to let them know someone else was using my card numbers.
I had that happen only once,
yes it was a nuisance to have to change CC account #s and wait a week for a new card.
Cant the same thing happen with debit?
This explains the situation a little better:
Apparently it’s another 70 million people affected in addition to the 40 million previously reported. They got this data from customers that had accounts with them online. There is likely some overlap, but they don’t know how much yet.
So far, they are not saying that anyone that shopped there before black Friday had credit/debit data stolen, but who knows what comes next as they dribble this out a little at a time.