|
 Madigan also said her office is looking into the possible breach
of customers’ personal financial information.
“Consumers who have shopped at a Home Depot store with a debit or
credit card should begin monitoring their accounts immediately for
unauthorized charges,” Madigan said. “Identity theft is a serious
threat to consumers. Incorporating a few commonsense precautions in
your daily routine can greatly reduce the threat and any damage done
as a result of a data breach.”
Madigan offered these tips for consumers who have shopped at Home
Depot using a debit or credit card:
Set up Transaction Alerts on your accounts to receive
notifications when your credit or debit card is used above a certain
dollar amount, so if someone uses your card without authorization,
you’ll receive a text message or email and can immediately call your
card issuer to dispute the charge.
Regularly review your bank and credit card statements to make sure there
are no unauthorized transactions. Contest any unauthorized charges immediately
by contacting your bank using the toll-free number on the back of your credit or
debit card. Prompt reporting of unauthorized charges is critical to limit your
liability, particularly if you are a debit card user because liability depends
on how quickly you report a lost or stolen card. For instance, if you report a
lost or stolen debit card before any unauthorized transactions occur, you are
not responsible for any of the unauthorized charges, but if you make the report
within two business days of losing your card, you can be liable for up to $50 of
unauthorized charges. After two days, reporting lost or stolen cards can
increase your liability anywhere from $500 and up.
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Review your credit reports for unauthorized accounts. You are
entitled to one free credit report from each of the three nationwide
credit reporting agencies per year. Go to
www.annualcreditreport.com, or call 1-877-322-8228 to order your
credit reports. Make sure all the information is correct. If not,
immediately contact the credit reporting agency to request that the
information be explained or corrected.
Consider putting a security freeze on your credit. A security
freeze, also known as a credit freeze, essentially locks down your
personal data at the consumer reporting agency until an individual
gives permission for the release of the data, which can prevent
someone from taking out credit in your name. You can easily have the
freeze lifted when you want to allow a company to check your credit
if, for instance, you are opening new accounts or purchasing a car
or home.
For questions or help if you have been a victim of identity theft,
contact Madigan’s Identity Theft Hotline at 1-866-999-5630.
Madigan’s Identity Theft Unit has helped over 35,000 victims remove
over $26 million in fraudulent charges from their credit.
[FROM THE OFFICE OF ATTORNEY GENERAL
LISA MADIGAN]
 |
