WIXON, Mich. – How do you know if you've become a victim of the Target security breach? One man from Wixom says he went to Target on black Friday and noticed money immediately flying out of his checking account.
Ryan Esplain said, "I went to Target quite often during the Thanksgiving weekend."
Like so many around metro Detroit, Esplain did some serious holiday shopping at Target.
He shops at Target about twice a week, and was shopping there on black Friday. "Just going after some of the holiday gifts and necessities around the house."
Just days after black Friday came a shocking discovery - Esplain noticed $250 was suddenly missing from his checking account. When he looked into it, someone was using his identity to buy items at a cell phone store in North Carolina.
"When the news broke this morning about Target everything fit in with what they released."
Target says it's point of purchase computer where you swipe your card has been compromised. 40 million customers could be affected with information stolen.
Counterfeit cards could be made in your name or worse, your pin could be used and money could flow from your account.
Esplain said he's looking at his bank statements every day to make sure there is no more alarming activity. "It could take months for shoppers to realize that they've been victimized by this breach, so reviewing bank statements is now more important than ever."
If you've visited a Target over the past several weeks, there are four steps you should take immediately to protect yourself.
1) Check your statement.
It may seem obvious, but the first step you should take is looking for any charges you don't recognize on your statement.
Don't just look for large charges, either. Hackers often ping an account with micropayments of only a few cents to check the viability of the account. So if you see purchases of 6 cents or 11 cents, that could be a sign your information has been compromised.
2) Call your credit card company, bank and Target.
Credit card companies generally offer customers fraud monitoring services at no cost, and customers aren't on the hook for any fraudulent charges. Typically, the card issuer or the merchant is responsible for those costs.
But don't wait for your card company or bank to call you. Let them know you've shopped at Target recently. All you have to do is call the number on the back of your card.
Target has also set up a phone line for customers who suspect there has been unauthorized activity on their accounts. Shoppers can call 866-852-8680.
3) Replace your credit card, change your PIN.
If the bank didn't already do this for you, do it yourself. This will put an end to any more fake charges.
Once you receive your replacement card, make sure to update your new card information with any companies that have your account on file for automatic payments or monthly fees, like your Apple iTunes account or cable provider.
4) Sign up for a fraud monitoring service.
If you're concerned about credit card theft going forward, LifeLock and other similar threat detection services claim that they can monitor your card activities and alert you when your account has gotten into the wrong hands. Most credit card companies offer similar services for free, but threat detection services say they go above and beyond, including offering protection of credit card information on the Internet and even lost-wallet insurance.