Equifax, one of the three major credit bureaus, confirmed recently that up to 143 million customer records were breached in a hack that began in mid-May and continued through July of this year. Compromised data reportedly included names, birth dates, Social Security numbers, driver license numbers and physical addresses, as well as some credit card numbers and dispute documents with personal identifying information. The intrusion was discovered on July 29; however, the full impact of the breach is still to be determined. Regions continues to monitor for new developments.
Equifax will communicate directly to customers whose credit card numbers or dispute documents with personal identifying information were compromised. In addition, the company has set up a program to help people determine if they were affected by the data breach. To learn if you were impacted, you may visit the dedicated Equifax website and their Potential Impact page or call their dedicated support center at 1-866-447-7559.
Please remember that Regions uses the latest technology and sophisticated encryption methods to protect your accounts and personal information. We also closely monitor card activity to assist in identifying potential fraudulent activity on Regions-issued cards. Plus, keep in mind that your cards comes with the Visa® Zero Liability Policy to help protect you from unauthorized use.*
There are also many things you can do to protect your information and your Regions accounts:
- Monitor your existing credit card and bank accounts. Regions Online Banking and Mobile Banking allow you to regularly monitor your deposit and credit accounts, plus you can set up a variety of alerts in Online Banking. If you detect an unauthorized transaction, please call 1-800-REGIONS (734-4667) or visit your branch right away.
- Check your credit reports for any suspicious activity. You are entitled to a free credit report each year from each of the three major credit bureaus. If you suspect someone has used your identity to open a fraudulent account, report it immediately:
- Watch out for scams related to the breach, including suspicious phone calls, texts or emails.
- Freeze your credit. Contact each credit bureau and request a "credit freeze." You will be given a PIN that will be required to un-freeze your account. This will prevent anyone from opening an account in your name. For more details on any potential charges for this service, the Federal Trade Commission (FTC) provides credit freeze FAQs.
- Set a fraud alert. Contact at least one of the credit bureaus to request a fraud alert. This way credit card and other credit granting companies will be required to verify your identity before opening an account. Fraud alerts must be renewed every 90 days. See the FTC's instructions around How to Place a Fraud Alert
- Remember your loved ones. Be sure to follow the above steps for your loved ones without computer access to make sure they are protected as well.
- File your taxes early. File as soon as you have the tax information you need before a scammer uses your Social Security number to get a tax refund.
- Change passwords and logins if you have used the Equifax website.
- See the FTC Identity Theft Recovery website if you are the victim of identity theft to fill out a report and obtain "to-do" recovery plans.
For more on keeping your personal information safe and secure, please see these helpful articles:
* Policy does not apply if you have been negligent in handling your card account.