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Debit Card Compromise Information

We have been actively monitoring the Target debit and credit card compromise situation. Although we have limited confirmed cases of fraud reported on CPM Federal Credit Union cards, we want to assure you we take the protection of your account seriously. We have the list of potentially compromised cards during the defined time frame of the breach and we will be automatically reissuing each of those cards.

It’s important you know that there is a defined time frame of the breach and simply shopping at Target stores does not mean your card information has been compromised. If you used your card during the defined time frame we have options. To review your options, contact us at 800.255.1513 to speak to a member service agent, visit your local branch or by reviewing the FAQ’s provided below.

If you suspect fraud or have questions, please contact us at 800.255.1513.

You can find answers to commonly asked questions below:

GENERAL QUESTIONS
1. When did this compromise occur?
The unauthorized access may impact Target guests who made credit or debit card purchases in all U.S. stores between November 27th and December 15th 2013. It is not believed to have impacted Target’s online shoppers.

2. Which cards might be affected?
This card compromise might affect any debit or credit cards used at Target during the compromise period, including your CPM Federal Credit Union debit and credit card, as well as your Target RED cards.

3. What information was compromised?
We know that cardholder names, card numbers and expiration dates, as well as the three-digit security codes were compromised.

4. Do they have access to my PIN?
According to the latest communication, your PIN was not compromised.

5. What should I do if I used a debit or credit card at Target during this time?
Please carefully review your transaction history.

If you believe there are unauthorized transactions, please take the following actions, depending on the type of card compromised.

CPM Federal Credit Union Debit Card
Contact CPM Federal Credit Union by phone at 800.255-1513 to speak to one of our member service agents, or visit any branch location during business hours.

You can review your CPM Federal Credit Union Debit and Credit Card transactions through Home Banking. Not enrolled? Call 800.255.1513 or visit us online at www.cpmfed.com , to enroll.

CPM Federal Credit Union Credit Card
Contact CPM Federal Credit Union by phone at 800.255-1513 to speak to one of our member service agents.

You can review your CPM Federal Credit Union Credit Card transactions if you are enrolled in MyCardInfo. Not enrolled? Visit us at MyCardInfo to enroll today.

Target RED Debit Card
These transactions process as ACH withdrawals from your checking account.

1. Contact Target directly at 866.852.8680.

6. How will I know if my card has been compromised?
You will receive a letter or an email with more information from the credit union if your name appears on any compromised card list provided to us. We will be reissuing any indentified cards.

7. If there is fraud on my account, how soon will my money be refunded?
Generally your account will be credited within 48 hours after you submit your claim.

8. Should I contact the credit bureaus?
It has been reported that your Social Security Number was not part of the information that was compromised; however, you may periodically obtain a copy of your credit report from each nationwide credit reporting agency. If you discover fraudulent information, request that the credit reporting agency delete it from your credit report. Under federal law, you are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting agencies. Target is offering free credit monitoring for those impacted, to inquire, contact Target directly at 1 (866) 852-8680. You may also obtain a free copy of your credit report at www.AnnualCreditReport.com or by calling 877.322.8228.

Contact the nationwide credit reporting agencies via the contact information below:

EQUIFAX
800.525.6285
P.O. Box740241
Atlanta, GA 30374-0241
www.equifax.com

EXPERIAN
888.397.3742
P.O. Box 9532
Allen, TX 75013
www.experian.com

TRANSUNION
800.680.7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
www.transunion.com

You may obtain information from the FTC and the credit reporting agencies about fraud alerts and security freezes. A fraud alert placed on your credit report file protects your credit information by making it more difficult for someone to get credit in your name by requiring creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. Place a fraud alert in your file by calling one of the three credit reporting agencies listed above. That agency will notify the other two agencies, which then fraud alerts in your file. In addition, you can contact the nationwide credit reporting agencies for information about placing a security freeze on your credit report prohibiting a credit reporting agency from releasing information from your credit report without your prior written authorization.

9. How do I protect myself in the future?
Keep an eye on all of your statements and immediately notify the applicable financial institution of any suspicious transactions. Another way to protect your account during this time is to use PIN based rather than signature for card transactions. PIN numbers were not compromised in this breach.

DEBIT CARD QUESTIONS

1. Do I have to order a new debit card?
No. If your debit card has been identified as a potentially compromised card, it will be reissued automatically. You can continue to use your current card until January 17, 2014. After this date any indentified cards will be closed.

2. What are my options to continue to use my current card?
If you already called us to have your current debit or credit card blocked your new card is on the way and your current card is blocked.

If you have not called us yet and you do not need to use your current card and can wait for your new card, you may call us and have us completely block your current debit or credit card. You will first receive a letter or email and can continue to use your current debit card until the new one is received and activated or until the established deadline stated in the letter.

If our fraud-detection software identifies suspicious or fraudulent activity, the card will be closed immediately and a new card will be mailed to you. If this happens and you have an urgent need to access your account, please contact CPM Federal Credit Union during business hours, at 800.255.1513 or 843.747.6376.

If you think that your card has been compromised and would prefer to have your debit card closed immediately, contact us at 800.255.1513 or 843.747.6376, to make that request.

If you have identified an unauthorized debit card transaction, please contact us at 800.255.1513 or 843.747.6376 to complete the required documentation. When fraud has occurred, the card must be closed and a new one ordered.

3. How long will it take to get a new debit card?
It will take approximately 7-10 days to receive a new debit card and PIN. Please keep in mind; you can continue using your old card while you wait for the new one unless there is confirmed fraud.

4. Will I have to have a new PIN?
A new PIN is automatically issued with a new card.

5. If my debit card has been closed due to the compromise, will my joint owner’s debit card still work?
Yes! The compromise is specific to the debit card number. Unless the joint owner’s card is also part of the compromise, it shouldn’t be affected.

6. What do I do if my debit card has been used for fraud?
Contact CPM Federal Credit Union as soon as possible by phone at 800.255.1513 or 843.747.6376, or visit any branch location during business hours.

7. I’m concerned about my Target REDcard being compromised, can you help me with this?
No, CPM is not the issuer of this card, debit or credit. You will need to contact Target directly at 866.852.8680 or visit www.target.com

CREDIT CARD QUESTIONS

1. Do I have to order a new credit card?
No. If your credit card has been identified as a potentially compromised card, it will be reissued automatically.

If our fraud-detection software identifies suspicious or fraudulent activity, the card will be closed immediately and a new card will be mailed to you. If this happens and you have an urgent need to access your account, please contact CPM Federal Credit Union during business hours, at 800.255.1513 or 843.747.6376.

If you think that your card has been compromised and would prefer to have your credit card closed, contact us at 800.255.1513 or 843.747.6376, to make that request.

2. If my credit card was compromised, can I use my old card while I wait for the new one?
Yes! CPM will be reissuing any indentified cards however you may continue to use your current card until on or before January 17, 2014. If you choose not to wait for the replacement and prefer to close your current card, you have that option. You will not have access to the credit account until the new card arrives and is activated.

3. Do I have to wait for my statement to review my credit card transactions for fraud?
No, in fact we encourage you not to wait for your statement! You can review your CPM Federal Credit Union Credit Card transactions by accessing MyCardInfo. Not enrolled? Click here to enroll.

4. What do I do if my credit card has been used for fraud?
Contact CPM Federal Credit Union at 800.255.1513 if you suspect fraud on your credit card account.