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CAPITAL ONE DATA BREACH: WHAT YOU CAN DO NOW FOLLOWING BANK HACK

The latest bank hack exposed the records of almost 106 million people.

Clifford Colby

Aug. 12, 2019 9:45 a.m. PT

Clifford Colby

Managing Editor

Clifford is a managing editor at CNET, where he leads How-To coverage. He spent
a handful of years at Peachpit Press, editing books on everything from the first
iPhone to Python. He also worked at a handful of now-dead computer magazines,
including MacWEEK and MacUser. Unrelated, he roots for the Oakland A's.

See full bio
4 min read
 * * 
   * 
   * 
   * 

Capital One Financial's offices in San Francisco.
Stephen Shankland/CNET

A data breach to Capital One servers in March exposed the personal information
of nearly 106 million of the bank's customers and applicants. The hack, which
included US and Canadian customers of the banking and credit card company,
followed the settlement reached between Equifax and the Federal Trade Commission
concerning a hack in 2017 that affected 147 million customers.

According to Capital One, the breach on March 22 and 23, 2019, resulted in the
hacker gaining access to personal information related to credit card
applications from 2005 to early 2019 for consumers, applicants and small
businesses. Capital One detected the breach on July 19. Among the personal data
exposed were names, addresses, dates of birth, credit scores, transaction data,
Social Security numbers and linked bank account numbers. 

About 140,000 Social Security numbers and 80,000 linked bank account numbers
were exposed, Capital One said. And for Canadian credit card customers and
applicants, approximately 1 million Social Insurance Numbers. Capital One said,
however, that no credit card account numbers or login credentials were revealed
in the hack.

Now playing: Watch this: Capital One data breach: Here's what to do
1:43

In response, Capital One said it will notify customers and credit card
applicants whose data was exposed in the breach, and the Department of Justice
announced it had charged a Seattle engineer in the theft.

Here's how to find out if you were affected by the Capital One data breach and
what you can do to protect yourself.


MORE ON DATA BREACHES

 * Capital One data breach involves 100 million credit card applications
 * Capital One's data breach and how criminals could use the stolen data
 * 5 best ways to make sure your credit data hasn't been breached
 * Equifax settlement: How to see if you are eligible, file a claim and see what
   you'll get


HOW TO FIND OUT IF YOUR INFORMATION WAS STOLEN

Capital One said it will contact by letter U.S. individuals whose Social
Security numbers or linked bank account numbers were part of the hack. Affected
individuals can probably expect to hear the week of August 5. At the moment,
Capital One doesn't have a website that lets you check for yourself, unlike with
the tool Equifax released to see if you were part of its data breach.

Be on guard for emails and phone calls from scammers posing as Capital One or
government representatives asking for credit card or account information, your
Social Security number or other personal information.


WHAT CAPITAL ONE IS DOING ABOUT THE HACK

Capital One said it has fixed the exploit the hacker used to access the data and
has worked with federal law enforcement on the breach. The banking company said
it will reach out to customers who were part of the hack and will offer free
credit monitoring and identity protection to those customers affected by the
breach.

Now playing: Watch this: Equifax breach: Find out if you can claim part of
the...
1:33


HOW TO MONITOR YOUR CREDIT REPORT FOR FRAUD

You don't have to wait for Capital One to contact you: You can take several
steps right now to watch for fraud.

Monitor your credit reports. You get one free credit report a year from the
three major credit bureaus: Equifax, Experian and TransUnion. (Note that Equifax
is recovering from its own data breach.) On your report, look for unusual or
unfamiliar activity, such as the appearance of new accounts you didn't open. And
watch your credit card accounts and bank statements for unexpected charges and
payments.

Sign up for a credit monitoring service. Pick a credit monitoring service that
constantly monitors your credit report on major credit bureaus and alerts when
it detects unusual activity. To help with the monitoring, you can set fraud
alerts that notify you if someone is trying to use your identity to create
credit. A credit-reporting service like LifeLock can cost $10 to $30 a month --
or you could use a free service like the one from Credit Karma. Capital One said
it will provide free credit monitoring and identity protection to all affected
customers.

Now playing: Watch this: Finding our personal data on the dark web was far
too...
3:53


WHAT TO DO IF YOU SUSPECT YOU'RE A VICTIM OF FRAUD OR IDENTITY THEFT

As soon as you suspect your ID has been stolen you can take action to stop
unauthorized charges and start to recover your identity.

Place a fraud alert. If you suspect fraud, place a fraud alert with each of the
credit reporting companies: Equifax, Experian and TransUnion. The alert notifies
creditors that you have been a victim of fraud and lets them know to verify that
you are actually making new credit requests in your name. You can place an
initial fraud alert, which stays on your credit report for 90 days, or an
extended fraud alert, which stays on your credit report for seven years. Placing
a fraud alert does not affect your credit score. 

Contact fraud departments. For each business and credit card company where you
think an account was opened or charged without your knowledge, contact its fraud
department. While you are not responsible for fraudulent charges to an account,
you need to report the suspicious activity promptly.

Freeze your credit. If you want to stop anyone from opening credit and
requesting loans and services in your name without your permission, you can
freeze your credit. You will need to request a freeze with each of the three
credit reporting companies, which again are Equifax, Experian and TransUnion. To
apply for new credit, you need to unfreeeze your credit, again, through each of
the credit reporting companies. You can either request a temporary lift of the
freeze or unfreeze it permanently.

Document everything. Keep copies of all documents and expenses and records of
your conversations about the theft.

Create a recovery plan. The Federal Trade Commission has a valuable tool that
helps you report identity theft and recover your identity through a personal
recovery plan.






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