Security Alerts

Home Depot Data Breach

 

Information You Should Know about The Home Depot® Data Breach

As you may have heard on the news recently, Home Depot has confirmed that its payment data system has been breached in the U.S. and Canada. More specifically, some SunBank cards have been identified as at risk due to this security breach.

Our first priority is to protect our customers from fraud and theft and provide peace of mind knowing that your account is secure. To do that, we have implemented steps at the bank including the following:

  • We have flagged all compromised cards to watch for suspicious transactions in both our fraud monitoring tools.
  • We will be notifying customers if their card was potentially compromised.
  • We will be reducing impacted customer's purchase limits to help minimize risk.
  • We will be issuing a new card for you at no charge.

In addition, you're protected with Visa®'s Zero Liability policy1, which means you pay nothing for unauthorized purchases on your credit or debit account.

  • Home Depot is also offering free identity protection services, including credit monitoring, to any customer who has shopped at a Home Depot store in 2014, from April on. https://homedepot.allclearid.com

Please know that we are available to help. If you have questions or concerns, please stop by your nearest branch or call our Customer Care Center at 1-866-480-8199.

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What should you do right now?

Keep a close eye on your bank account

  • Regularly monitor transaction activity on your account. The most convenient way to do this is from Online or Mobile Banking2. If you aren’t signed-up, click here to get started and track all of your transactions anytime, anywhere.
  • Report any suspicious activity by either visiting your local banking center or calling our Customer Care Center 1-866-480-8199.
  • Be extra vigilant against phishers looking to steal additional private information. It often starts with an email and a link to an internet site that looks real, but may be a scam to get you to enter your personal information. SunBank will never ask you for this personal information in an email.

Sign up for Account Alerts2. When you sign up for this free service, you’ll receive automatic text messages or email alerts based on your selection criteria. This could include:

  • Purchases or transactions above a certain dollar amount
  • Email or password changes
  • Low balance alerts

Take precautions

  • While identity theft is uncommon, it's always a good idea to regularly check your credit report for incorrect information.
  • Consumers are entitled to one free copy of their credit report every year at www.annualcreditreport.com or by calling 1(877) 322-8228.
  • Home Depot is also offering free identity protection services, including credit monitoring, to any customer who has shopped at a Home Depot store in 2014, from April on. https://homedepot.allclearid.com

Place a Fraud Alert on Your Credit File

To protect yourself from possible identity theft, consider placing a fraud alert on your credit file. A fraud alert helps protect you against the possibility of an identity thief opening new credit accounts in your name. When a merchant checks the credit history of someone applying for credit, the merchant gets a notice that the applicant may be a victim of identity theft. The alert notifies the merchant to take steps to verify the identity of the applicant. You can report potential identity theft to all three of the major credit bureaus by calling any one of the toll-free fraud numbers below. You will reach an automated telephone system that allows you to flag your file with a fraud alert at all three bureaus.

Equifax
P.O. Box 105069
Atlanta, GA 30348-5069
800-525-6285
www.equifax.com
Experian
P.O. Box 1017
Allen, TX 75013
888-397-3742
www.experian.com
TransUnion
P.O. Box 2000
Chester, PA 19022-2000
800-680-7289
fraud.transunion.com

Place a Security Freeze on Your Credit File

You may wish to place a "security freeze" on your credit file. A security freeze generally will prevent creditors from accessing your credit file at the three nationwide credit bureaus without your consent. However, please be aware that placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, credit mortgages, employment, housing or other services. The credit reporting agencies have three (3) business days after receiving a request to place a security freeze on a consumer's credit report. You can request a security freeze by contacting and placing an order with each of the credit bureaus at:

Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
800-525-6285
www.freeze.equifax.com
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

www.experian.com/freeze
TransUnion Security Freeze
P.O. Box 2000
Chester, PA 19022-2000
800-680-7289
freeze.transunion.com

The credit bureaus may charge a reasonable fee to place a security freeze on your credit file. In order to request a security freeze, you will need to provide the following information:

  1. Your full name (including middle initial as well as Jr., Sr., II, III, etc.);
  2. Social Security Number;
  3. Date of birth;
  4. If you have moved in the past five (5) years, provide the addresses where you have lived over the prior five (5) years;
  5. Proof of current address such as a current utility bill or telephone bill;
  6. A legible photocopy of a government issued identification card (state driver’s license or ID card, military identification, etc.)
  7. If you are a victim of identity theft, include a copy of the police report, investigative report, or complaint to a law enforcement agency concerning identity theft; and
  8. If you are not a victim of identity theft, include payment by check, money order, or credit card (Visa, MasterCard, American Express or Discover only). Do not send cash through the mail.

Lifting a Credit Freeze: To lift the security freeze in order to allow a specific entity or individual access to your credit report, you must call or send a written request to the credit reporting agencies by mail and include proper identification (name, address, and social security number) and the PIN number or password provided to you when you placed the security freeze as well as the identities of those entities or individuals you would like to receive your credit report or the specific period of time you want the credit report available. The credit reporting agencies have three (3) business days after receiving your request to lift the security freeze for those identified entities or for the specified period of time.

To remove the security freeze, you must send a written request to each of the three credit bureaus by mail and include proper identification (name, address, and social security number) and the PIN number or password provided to you when you placed the security freeze. The credit bureaus have three (3) business days after receiving your request to remove the security freeze.

Additional Information for Massachusetts Residents:

Placing a Credit Freeze: Massachusetts law also allows consumers to place a security freeze on their credit reports. See the description above about what a security freeze does and how to order them with each of the one. Under Massachusetts law, if you have been a victim of identity theft, and you provide the credit reporting agency with a valid police report, it cannot charge you to place, lift, or remove a security freeze. In all other cases, a credit reporting agency may charge you up to $5.00 each to place, temporarily lift, or permanently remove a security freeze.

Obtaining Police Reports: You have a right to obtain a police report relating to this incident. If you are the victim of identity theft, you also have the right to file a police report and obtain a copy of it.

Helpful Contacts: You can learn more about how to protect yourself from becoming a victim of identity theft by contacting the Federal Trade Commission to obtain additional information about how to avoid identity theft, how to place a fraud alert, and how to place a security freeze on your credit report.

Federal Trade Commission,
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, DC 20580
1-877-IDTHEFT (438-4338)
www.ftc.gov/idtheft

For Iowa residents: You may also contact local law enforcement or the Iowa attorney General’s Office to report suspected incidents of identity theft. You can reach the Iowa Attorney General at:

Iowa Attorney General
1305 E. Walnut Street
Des Moines, IA 50319
515-281-5164
http://www.iowaattorneygeneral.gov

For residents of Maryland: You may also obtain information about preventing and avoiding identity theft from the:

Maryland Office of the Attorney General,
Consumer Protection Division
200 St. Paul Place,
Baltimore, MD 21202
1-888-743-0023
http://www.oag.state.md.us

For residents of North Carolina: You may also obtain information about preventing and avoiding identity theft from the:

North Carolina Attorney General’s Office
Consumer Protection Division
9001 Mail Service Center
Raleigh, NC 27699-9001
1-919-716-6400
http://www.ncdoj.gov

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FAQs

Q: What can you tell me about the Home Depot data breach? Is it true my card could be compromised?
A: Yes, we received information that there has been a data breach at Home Depot. Although certain card account data was potentially compromised, that does not mean data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring account activity to protect you from fraud. All Visa credit and debit cards are protected by Zero Liability1 in the rare event fraud does occur, which means you pay nothing for unauthorized purchases on your account.

Q: How did this happen?
A: When your card is swiped at a merchant or you enter your number into the computer when buying online, the information is transmitted to third parties that process that information so we can accept your transaction. A criminal may have gained access to your card information through one of the entities involved with processing your transaction, including the merchant. While fraud resulting from data compromises is rare, it's important to understand that you're protected with Visa's Zero Liability1 policy.

Q:Has the security breach been fixed?
A: Home Depot is working to ensure no further information is exposed.

Q: What part of my information was stolen?
A: In a notice from The Home Depot they state, "Payment card information such as name, credit card number, expiration date, cardholder verification value and service code for purchases made at Home Depot stores in 2014, from April on. At this time, we have no reason to believe that checks were impacted. Additionally, while we continue to determine the full scope, scale and impact of the breach, there is no evidence that debit PIN numbers were compromised."

Q: What should I do if I experience fraud on my account?
A: Let us know immediately if you see unauthorized purchases.

  • Regular monitoring through Online or Mobile Banking2 is the most convenient way to do this. If you aren't signed-up, click here to get started and track all of your transactions anytime, anywhere.
  • Report any suspicious activity by either visiting your local banking center or calling our Customer Care Center 1-866-480-8199.
  • Be extra vigilant against phishers looking to steal additional private information. It often starts with an email and a link to an internet site that looks real, but may be a scam to get you to enter your personal information. SunBank will never ask you for this personal information in an email.

Q: What are you doing to protect my personal account information, especially in this case?

  • We have flagged all compromised cards to watch for suspicious transactions in both our fraud monitoring tools.
  • We will be notifying customers if their card was potentially compromised.
  • We will be reducing impacted customer’s purchase limits to help minimize risk.
  • We will be issuing a new card for you at no charge.

Q: What can I do to ensure this doesn’t happen to me again?
A: We employ the latest systems and technology to monitor and prevent card fraud with Visa and many merchants also take the necessary precautions to protect your card information, there are some practical steps you can take to help protect your card information:

  • Shop with merchants you know. If a deal seems too good to be true, it probably is.
  • Destroy all receipts before discarding them since some of them may have your card number reprinted on them.
  • Home Depot is also offering free identity protection services, including credit monitoring, to any customer who has shopped at a Home Depot store in 2014, from April on.
  • Guard your card – don’t use it as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.
  • Check your credit report. Consumers are entitled to one free copy of their credit report every year at www.annualcreditreport.com or by calling 1(877) 322-8228.

To learn more about ID Theft, click here

  • Home Depot is also offering free identity protection services, including credit monitoring, to any customer who has shopped at a Home Depot store in 2014, from April on. https://homedepot.allclearid.com

1 - Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA or certain commercial card transactions. Cardholders must notify card issuer promptly of any unauthorized use. Consult issuer for specific restrictions, limitations and other details.

2 - Message and data rates may apply – such charges include those from your communications service provider.

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