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Capital One Data Breach: Tips Offered by WI Banking Industry

 

The Capital One data breach affects millions of consumers, and Wisconsin’s banking industry stands ready to assist their customers. It is the banks in Wisconsin and across the nation that shield their customers from the financial harm caused by data breaches. It is as simple as this: when a breach occurs, banks often bear the brunt of the costs so their customers won’t have to.

“Have I been compromised?” is the biggest question on consumers’ minds. The Wisconsin Bankers Association offers the following tips for consumers who are not sure if their information has been compromised, as well as steps for consumers who know their information was stolen:

Not sure if your information has been compromised?

  1. Check all your accounts via online services provided by your bank or credit card provider and not just your Capital One account. If you don’t have access to or haven’t set up an online account, you can call the company directly for assistance in reviewing your accounts. Consumers should be looking for any discrepancies in their purchasing habits. Be sure to do this over the next few months! Just because the bad guys have your information now doesn’t mean they will use it immediately.
  2.  Monitor your accounts closely and frequently. Balance your checkbook monthly and match credit card statements with receipts. By viewing accounts online and checking throughout the month, you’ll be able to identify possible problems sooner.
  3. Review your credit report every three or four months. You are entitled to one free credit report from each of the three major credit bureaus per year. Request a single report from one of the bureaus every three or four months. By staggering these requests, you can monitor your credit throughout the year.

You know your information has been compromised:

  1. Contact the security departments of your creditors or bank to close the compromised account(s). Explain that you are a victim of identity theft and a particular card or account has been compromised. Ask them to provide documentation that the account has been closed. You should also follow up with a letter to the agency documenting your request.
  2. Contact the three major credit bureaus (Experian, Trans Union and Equifax) via phone immediately to request a fraud alert be placed on your file. Once again, explain that you are a victim of identity theft and ask that they grant no new credit without your approval. Again, follow up with a letter to the agency documenting your request.
  3. File a report with your local police department and request a copy of the report. This is good documentation to have on hand to prove your identity has been stolen as you begin the process of restoring your credit and good name.
  4. Document all your actions and keep copies of everything.

Whether you are sure or unsure your financial information has been compromised, one of your first calls should be to your bank. Your bank has a variety of resources available for customers that can help with situations like these. Their staff are also knowledgeable and more than willing to help. 

Capital One has created a resource webpage that may be helpful to consumers as well. It can be found at https://www.capitalone.com/facts2019

Contact information for the three major credit bureaus.

Experian
www.experian.com

TransUnion
www.transunion.com 

Equifax
www.equifax.com

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You know that tiny chip that was added to your debit card a few years ago? That little chip has helped significantly reduce fraud due to counterfeit cards in just two years. But, many ATMs and fuel pumps haven’t converted to the chip technology yet making them prime targets for fraudsters who want to steal your info.

Keep yourself and your card data protected while you’re at the ATM or fuel pump with these simple STEPS:

  1. Set online and mobile banking fraud alerts.
  2. Tug the card reader. Is it loose?
  3. Examine your surroundings.
  4. Protect your PIN; cover it with your hand.
  5. Scan for security tape seal on pump.

Here are some additional tips to stay safe: 

  • Use an ATM in a well-lit area.
  • Use a fuel pump closest to and facing the store.
  • Closely monitor your accounts and call us if you suspect fraud.
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NOTICE: BRCB Communications Server Upgrade

March 22-25, 2019

 

CLICK HERE for SUMMARY LETTER of Dates & Details by BRCB Product or Service

 

Black River Country Bank recently implemented several upgrades to our banking software and communications servers which started at 4:00 p.m. CST, FRIDAY, MARCH 22nd through MONDAY morning, MARCH 25th.  Some of the most common product and service INTERRUPTIONS and RECOMMENDED ACTIONS that may now affect YOU are outlined below:

1. Upon resumption of service on MARCH 25th, ALL ONLINE BANKING CUSTOMERS will be prompted to change their Security Questions upon their first sign-in after the upgrade. Please follow the on screen prompts to successfully complete this process.  Also be sure to update the new URL Bookmarks and Favorites if you had previously saved those on your device.

 

2.  ALL Black River Country Bank customers will receive a mailed, partial paper statement of transactions, that was produced and effective March 22nd (and thereafter on regularly scheduled statement cycle dates). This applies to ALL e-Statement customers as well.

 

Please continue to check this Alerts page for any additional updates and instructions regarding this upgrade. Also, read through the Summary Letter (yellow button above) that was mailed for additional details.

Our sincere hopes are that it has been a smooth process with minimum inconveniences to you, our valued customers! Please contact us at 715-284-9448 with any questions or concerns, so we can best help you. Thank you for your patience during this process!

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6-6-18

It has been brought to our attention that some people are receiving emails disguised as coming from Black River Country Bank. They are from various "fake" senders such as Mona Lisa Moore and Gloria Lovelady. The content says "Your USB Global Master Card is activated and ready for purchases."

THESE ARE SPAM!! THEY ARE NOT COMING FROM BLACK RIVER COUNTRY BANK.

PLEASE DO NOT CLICK ON OR OPEN ANYTHING WITHIN THE EMAIL. SIMPLY DELETE THEM IMMEDIATELY.

If you have any questions, please do not hesitate to contact us at 715-284-9448.