News Center

USAA Bank Is Actively Monitoring Target Data Security Breach

‎12-19-2013 03:20 PM

USAA is aware of the Target credit and debit card security incident and is taking appropriate measures to help protect our members. Security of our members’ information is always a top priority, and we have an extensive information security program that includes dedicated teams to detect and investigate suspicious activity. At this time, members do not need to call USAA to learn whether they are impacted. If fraudulent activity is detected on your account, a USAA member service representative will contact you.


While USAA uses sophisticated fraud detection processes, we are most effective in fighting fraud when we work together with you. USAA security professionals recommend that you monitor your account activity on a regular basis. USAA actively monitors the activity on members’ accounts to help protect them from fraud. We offer our members multiple layers of security protection against fraud, including our Zero Liability policy. 

 

How can I find out whether my card was affected?

 

USAA is investigating this recent breach at Target stores to determine whether USAA Bank credit or debit cards were affected. USAA Bank actively monitors account activity through sophisticated software and processes to help protect you from fraud. However, we strongly encourage you to monitor your account(s) on mobile or usaa.com and review your monthly statements carefully. Notify USAA immediately if you see any unauthorized activity by calling 800-531-USAA (8722).

 

Should I reset my PIN?

 

Target has indicated that the hackers did obtain PIN information but that the information is encrypted and has not been compromised. However, it is a good security habit to periodically reset your card PIN. You are able to update your PIN on usaa.com, the USAA mobile apps, mobile.usaa.com, the USAA voice response system, or by speaking to a member service representative.

 

Should I cancel my card?

 

There is no need to cancel your card. USAA Bank has software and processes that monitor your accounts for suspicious activity, and if we determine your account is at risk, we will notify you and reissue your card. USAA has a Zero Liability Policy that helps protect you, so that in the event any unauthorized purchases occur on your credit or debit card account, you will be fully reimbursed in accordance with the policy.

 

Is USAA going to reissue my card?

 

USAA Bank has a highly sophisticated fraud detection team that is constantly monitoring account activity, and if we determine your account is at risk, we will notify you and reissue your card(s).

 

Is my identity at risk?

 

Based on the information we have regarding this incident, it is unlikely that identity theft would occur because personal information required to steal your identity, such as your Social Security number, date of birth or address, was not part of the Target data compromise. However, it's always a good idea to check your credit report regularly to ensure information is correct.

 

Banking products provided by USAA Federal Savings Bank, an equal housing lender. Credit cards provided by USAA Savings Bank. Both Banks Member FDIC. 

 

I received a suspicious email mentioning the Target compromise. What should I do?

There are media reports that cybercriminals are taking advantage of this event to harvest personal and financial information. They typically send legitimate-looking emails that attempt to trick you into clicking on links or opening attachments. Remember that USAA and other financial institutions will not ask for your personal or financial information in an email. Also, all official USAA emails will contain a “Security Zone” watermark in the upper right corner of our emails. Please report suspicious emails to abuse@usaa.com.

 

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Comments
by SirJohn ‎12-19-2013 05:58 PM

I've been a USAA member for over 15 years and have always received excellent service. I have the utmost confidence in the manner the USAA team aproaches their task. They truly know what it means to serve.  Whether it's  auto/house claims, policies, banking, loans, and the many other facets this great company is involved with, I've always been very satisfied. It's obvious who's the primary focus of USAA's efforts and for that reason I am proud to display the USAA winshield emblem on the right side of my rear winshield...(USMC occupies the left side) Security is a concern for us all and I know USAA has got my back. I have my father, a career Green Beret to thank for my membership. Someday, I trust my son will do the same for his boy. Great job and thank you for your service USAA.

by TheDuchess ‎12-19-2013 06:09 PM
Yet another reason I love USAA, always on top of things! Thanking my dad, a retired US Army captain, for my membership! #12yearmember
by DeVenturi's ‎12-19-2013 06:12 PM
I have been with USA since 1988 and have NEVER had a problem. I feel safe with my money and investments under their care. I won't give this breach of security from Target another thought.
by Crater ‎12-19-2013 06:30 PM
USAA member since 1956. Once again you are proving why I have been with you so long. Keep up the good work.
by Joe Sepy ‎12-19-2013 06:36 PM
I love USAA. They have never once let me down, even at times I have let them down. They are the best for banking and insurance, hands down. Even the people I have recommended love USAA. I have full faith they will ensure we are good to go.
by Kat2brady ‎12-19-2013 06:41 PM
No one can beat USAA! Best customer service and always on top of things!
by MarinerXO ‎12-19-2013 06:49 PM
Thanks for your commitments to our security. I don't always have access to communications and value your services. Member since 1989. Thanks Dad.
by RB1019 ‎12-19-2013 06:51 PM

As usual, USAA rocks.  Thanks guys.

by BKRies ‎12-19-2013 06:55 PM
Thank you! We have been concerned about this!!
by georgeandoscar ‎12-19-2013 07:19 PM
A few months ago when suspicious charges appeared on my account, USAA detected them before I did. They immediately suspended my debit card so no one could use it. When I confirmed the charges were not mine, they fully reimbursed me with no questions. The folks I worked with were wonderful and made me feel lucky to be with USAA.
by Flylady ‎12-19-2013 07:20 PM

Worried about this all day.  Thank you, USAA!

by ctrmpoet ‎12-19-2013 07:25 PM

I logged-in tonight to request that our cards be replaced, but will trust USAA since they say they've got us covered.

by Tburg ‎12-19-2013 08:04 PM
Whew!!! Thank goodness for USAA! All my worries are eased!
by aubdenjen3 ‎12-19-2013 08:10 PM
I can always count on USA to be on my side, I am proud to be a member thanks to my Grandfather!
by knb ‎12-19-2013 08:11 PM
I'm so thankful for USAA!
by Savy ‎12-19-2013 08:15 PM

We are a three generation USAA family.  After watching the news this evening, I logged on to double check my accounts though I was not terribly concerned about using my USAA debit and credit cards during the Target security breach.  All is well.  Additionally, I have access to all three credit reports via USAA. 

 

I am very appreciative of the very timely and thorough article about what USAA is doing to address all the issues and what we do and do not need to do.

 

Thank you!

by avalencia81 ‎12-19-2013 08:20 PM
Trust USAA to the fullest! Had $3500 charged on my AMEX from Japan. Money was reimbursed immediately.
by Big John Reno ‎12-19-2013 08:25 PM
USAA membership is a wonderful thing. I echo all previous positive comments. Thanks for being there for me and for my family!
by DJJR ‎12-19-2013 08:29 PM

Thanks for the information - You are the best!

by HighWire ‎12-19-2013 08:33 PM

I went to my account after hearing about the Target  security breach, and there was USAA, way out front as usual.  Just one of many reasons I'm proud to have been a member for over 46 years.

by Chino879 ‎12-19-2013 08:48 PM
Once again another reason why I love USAA so much. Faithful member for over 10 years. Would trade them for anything. Thank you for always looking out for the members.
by Spec Ops. 3/1 ‎12-19-2013 08:49 PM
I have to agree with most comments that I've read. USAA is without a doubt, the best bank that I have ever been associated with. I too, have experienced identity theft and USAA came to the rescue! They immediately notified me and blocked my card from any transaction activity. They even reimbursed me of the funds that l lost and credited back into my account. They are unquestionably the best bank I have ever had. I have been with this bank for over 13 years and will NEVER leave them! Two thumbs up to a bank that really values their customers!
by Chino879 ‎12-19-2013 08:53 PM
*** I meant to say; I wouldn't trade them for anything.
by SamuelD on ‎12-19-2013 09:11 PM - last edited on ‎12-22-2013 06:01 PM by Community Manager

I love USAA, but I'm traveling and mmHg carts keeps getting declined, I have had to call to use my card and this is getting extremely tiresome!

 

Thanks for your note. This situation is likely not related to the Target data breach, but please call us so we can help.

by Doc MF ‎12-19-2013 09:18 PM
Thankyou USAA,I knew you would be on top of it.Saved my bacon a couple times from credit card fraud.Within an hour of the occurrence
by SinkingShip on ‎12-19-2013 09:36 PM - last edited on ‎12-22-2013 06:03 PM by Community Manager

Let me begin by telling all that I was a victim of Bank Card Theft. USAA was there for me in every way. To the point of telling me where to go to file the police reports. Having been a victim before, let me tell you... I don't like repeats. I have the utmost trust in USAA and there staff, but wouldn't simply issuance of new cards take care of everyone's anxiety? Why do I need to look at my account everyday now for no fault of my own? I've done everything RIGHT. Seems to me TARGET needs to pay USAA for issuing new cards to all us Target shoppers!! Thanks USAA..Iam with you, but a new card would sure take care of the problem!!

 

We are glad to know our team was there for you when you unfortunately experienced fraud. Regarding this Target data breach, we are evaluating which cards to reissue and will reach out to affected members. Meanwhile, please know we are monitoring our members' accounts. 

 

by robbiejams1 ‎12-19-2013 09:42 PM
Good job usaa! This is just another reason why usaa is the best. I highly reccomend usaa to all my guys
by jskinner ‎12-20-2013 02:54 AM

Amidst all the turmoil, I know USAA has myp back. I sleep well at night. Jim Skinner

by St00 ‎12-20-2013 02:57 AM

I love USAA!  I shopped at Target on Black Friday and my card was compromised.  I didn't know until the Fraud Department called to tell me that a person had attempted to charge over $300 against my account.  Thank you USAA for declining the fraudulant activity!  I am so grateful not to have to fight with a bank to get my money back!

by Carynn ‎12-20-2013 03:49 AM
When I heard about this and a close friend of mines mom had a coworker recieve a fraudulent charge of $1,000, I panicked and cancel my card ams transferred my money to another account. Maybe I'm being a little drastic but Its the holidays and I love my money lol. Thank USAA fir your continued support and dedication to our services. I don't doubt you all one bit because I've been with you all 8 years but I just wanted to make sure I was EXTRA protected lol.
by justnorma ‎12-20-2013 04:21 AM
I have been with USAA for less than a year, but they treat me as if I've been with them for decades. They are a class act! I chose to request a new card and cancelled the one I used at Target...personal choice...but the reps at USAA could not have been any kinder. Love how they make me feel like a person and not just a number.
by Cynthia 28 ‎12-20-2013 04:27 AM
I was a victim of this fraud ring back in Late October. ..My Husband and i notified USAA and their fraud staff was on it, locating where it was used and everything! I love USAA we have been a loyal and pleased members for about 5 years now....thanks to my Husband who served in the Army!
by RVRamblers ‎12-20-2013 04:47 AM
Thanks USAA! They called within hours of my card being compromised after I used it at Target. My account was immediately closed and a new card issued. GREAT service for 31+ years.
by Docileurxtasy978 ‎12-20-2013 05:22 AM
I just got off work and was about to call regarding this matter with target. USAA never let me down before so I'll take a huge risk to trust you guys and girls once more. Do your best usaa like u always been; making us happy and stress free.
by GlenP ‎12-20-2013 05:22 AM

To SamuelD (above, sorry about the length but this is important): I am one who too enjoys the ability to pull my card out and use it when I want to.  Often when I travel, is when I have this same problem from USAA -- they put a stop/hold on my card.  This has bothered me to no end.  ...even to the point that I have seriously considered changing who I bank with.  Well just recently I travelled to the Texas Gulf Coast and on the way through San Antonio what happens: I get a hold while trying to get onto those Riverwalk Boats.  I make a call and immediately it's fixed.  I'm irritated.  Several days later I'm in Pennsylvania, and it happens again, right when I'm trying to buy extended family some food at a small foreign restaurant (which requires you order/pay, then they prepare and bring to your table).  I am REALLY embarrassed and very upset, the restaurant won't prepare the food until I pay, and the family is wondering (at least that's what I think) about my fanancial situation.  Of course the USAA security folks just say, we are looking out for you and sorry for the inconvenience, but go ahead and pay the card is working again.  Then a few days later in Raleigh, NC; it happens again, my wife's card isn't working and she's at a Costco buying a relatively large item for Christmas for kids (grandchildren) and I am NOW ready to cancel my account -- how can this happen every few days to us.  You can't do nothing at Costco without a card.  My children need to use their own card, just to get out of the store.  Some gift huh?  Well I am so irrate when I get on the phone I could spit bullets, of course nobody will talk to me again, and just transferres me to security again for the um-teenth time.  THEN, security asks me a few questions, making me even-more madder every second.  ALL OF A SUDDEN they tell me that my wife's card has a charge on it for some odd amount: 200.00+ at a Walmart which USAA approved somewhere in Arkansas, then only a few minutes later the money is put back into the account.  Within a few hours, a several hundred dollar purchase in made in Phoenix, AZ and then someone in Ireland hits the account in two seperate purchases for 20,000+ and again for 30,000+ dollars.  USAA thank goodness had their security folks on it and shut 'em down.  Let me tell you SamuelD, I was embarrassed again-- but not because it might have seemed to family or friends that my card was declined at a business but rather because I was inappropriately rotton to the folks at the Security section of USAA AGAIN.  They saved my butt.  They have all sorts of guarantees to cover my deposits, checks, drafts, etc. and when it isn't working I get overly angry.  If they would have let this get by and charged my account I would have been even more upset (sounds like I'm a Psycho huh?).  Convenience in this day and age (with all the terrorists, cheats, and crooks out there), is and never will probably be the same.  But let me tell you -- I love this bank!  USAA has your six, like other comercial outfits you constantly hear on the radio asking to pay extra money for what we get here for free.  We are lucky they are at times inconvenient -- but I have a friend in Utah, who lost 14,000 out of his account (not USAA) and his bank just told him, they weren't responsible.  We are blessed at this bank.  I'm finished belly-aching about USAA security.  Seems the stories always happen to someone else -- somehow it happened this time to me.

by The Laiben's ‎12-20-2013 05:37 AM
Thanks so much USAA we use our debit card basically daily on Target it's so close that become our convenience store, I'm relief now
by Tony Durant ‎12-20-2013 05:43 AM
My wife and I have been loyal USAA customers and members for over 25 years. They upheld their end of an Insurance Policy we had with them back in 1992 when Hurricane Andrew destroyed our home. They were great! We were the only family on our block insured by USAA. We were the only family on our block that didn't 't have issues with a claim. Thank you USAA for watching out for us and our needs.
by emde ‎12-20-2013 05:47 AM

After seeing and reading all the stories about the Target data theft, I logged onto USAA fearing the worst. Instead I find a proactive letter from USAA basically saying relax we're on this. Such a relief to know that USAA has me covered, could not imagine banking with anyone else.

by solarmal ‎12-20-2013 05:53 AM

Thank you USAA for taking care of us!  I was just about to scour my accounts to see if I used my debit or credit card at Target (vs. my Target card) during the Nov. 27-Dec. 15 breach period, and eventhough I will still do that, I am relieved to see this note from USAA.

 

 

by tireman ‎12-20-2013 05:54 AM

Over my families 50+ years as members of USAA I have and always will put my trust in them. They truly are the most honest , respectful , caring company I have ever had the pleasure of being associated with and their customer service is second to no one. We will continue this relationship for generations to come.

Thank you for the great service .

by hockey_mom ‎12-20-2013 06:30 AM
I was a victim of cc fraud a couple years ago. USAA took care of everything including putting the missing funds back into my bank when I needed it most. Thanks USAA! My question is - what if you used a target red card which is tied to your USAA checking account? Does that still fall into USAA's fraud protection policy??
by ggj ‎12-20-2013 06:36 AM
I am very appreciative of the very timely and thorough article about what USAA is doing to address all the issues with Target.In the pass they have been right on top of things. I had 12 years in the Army and my son is currently serving as a Col. SF ? Thanks USAA for the service you provide of us all. Merry Christmas
by SinCitySly ‎12-20-2013 06:43 AM

Other major banks are already issuing new cards as a precaution. I just checked my statement and I did swipe between the dates the theft was reported.  The data could be used years from now...I'm hoping USAA/Mastercard follow suit and prevent anything from happening.  

by huffcs ‎12-20-2013 06:50 AM

I was moved to post because I've already been to several other financial institution websites in the past couple of hours and USAA is the only one with anything to say about the Target debacle.  Way to go USAA!  Thank you for your proactive customer service.

 

My father told me that USAA was founded by servicemen to cover servicemen at a time when other insurance companies considered them all "dead men walking".  Without USAA they had no way to protect their families' financial futures while they served their country.  With that foundation I think it obvious that they started with a clear understanding of what their priorities were and it has been clear to me throughout my years as a customer that those priorities haven't changed.

 

I have been a victim of identity theft in the past, so I know the grief it can cause.  Unfortunately, it did not involve USAA, so I had a great deal of hassle.  I have had USAA block charges before when I was travelling and never resented it because I'd rather have them question legitimate charges than let some crook run rampant. Remembering to call them when going on travel can help avoid some of the red flags on their end.

 

I have been a USAA customer for at least 44 years on my parents' or my own policies and use them for darn near every kind of financial service.  I see no reason to change and they're the last financial services company I'd ever quit dealing with.

by CML ‎12-20-2013 07:04 AM

When I first heard about the Target breach, one of my first thoughts was, "Thank God I have USAA". I have not had one doubt that USAA was/is looking out for my best interest while this Target situation is being investigated and handled. I think I am more concerned with all those other individuals that are not lucky enough to have a bank that cares this much about them to say, "We are monitoring your account for you". Especially since this has been brought to the 40+million impacted Target customers a week before Christmas. During the holidays consumers should not have to worry about fraud and getting new cards with limited or no access to cash. I am most thankful that USAA is making it clear that they will and are monitoring our accounts and will notify us appropriately. I do not want to have to worry about having no way to my money right before Christmas. Especially since I am hearing and seeing that other banks are automatically telling clients to cancel their cards and it'll be 5-10 business days before they receive the new one. 

 

Thanks USAA for being the most customer oriented bank I know!

by Gr8Guy ‎12-20-2013 07:04 AM

I have partnered with USAA for 20 years and I must say, those big banks don't even come close. At USAA, you are a valued customer, not a number. They truly do care and protect their members. Over the 20 years in banking with USAA I have never been disappointed. They call me when there is suspected issues of fraud or otherwise. Keep up the great work USAA! You are truly the best financial institution this country has.

by Mrs.H ‎12-20-2013 07:06 AM

Fantastic news! Once again, USAA is ahead of the game. That is why NOTHING could convince me to bank anywhere else. Thanks USAA!!!!!!!!!!!

by sappy10 ‎12-20-2013 07:25 AM

Thank you for staying on top of the Target situation.  My mind is at ease with your direction and promise to keep our information safe.

 

Member for life.

by JKP ‎12-20-2013 07:31 AM
Thank you for being proactive. Although I am not a Target shopper, I am pleased to see USAA taking the initiative to help others who are and who may be at risk. This notice gives me confidence in USAA in case other unfortunate events happen in the future.
by jcta ‎12-20-2013 07:45 AM

My wife used her card at at Target in TN. Last week she tried to use it at a Chick fil a and it was declined. As you can imagine she was upset since she was picking up lunch for the family and didn't have any cash. A quick shout out to Chick fil a for comping the entire meal. But, when we called USAA to find out why her card was declined is when we found out about the suspicious activity. Someone in Chicago tried to swipe for over $500 plus other small transactions. Thanks to USAA the charges were all declined and they got nothing. Thank goodness since I had just been paid, so it could have been disastrous.