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Prepaid News Information

 

RBS WorldPay is providing the following information to you. The applicability of this information depends on whether you are a cardholder, a non-cardholder individual, a program manager, or an issuing institution. For specific information on fraud and identity theft, click here.

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General Information

Who is RBS WorldPay?

RBS WorldPay, formerly RBS Lynk, is a payments processing solutions company based in Atlanta, GA.

What happened?

In November, RBS WorldPay discovered that its computer system had been improperly accessed by an unauthorized party. The issue affected pre-paid cardholders and other individuals. Approximately 100 payroll cards have been used in a fraudulent manner and those cards have been de-activated. Our internal security professionals and outside experts are working with federal and state law enforcement authorities in an investigation of this event.

How to report fraud.

Cardholders who suspect fraudulent activity as a result of this situation can call the phone number located on the back of their card to make a claim. An RBS WorldPay representative will investigate these claims in accordance with our internal guidelines regarding reimbursing fraudulent transactions. Further contact information is available in the attached “substitute notification” letter.

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Information for Cardholders and other Individuals

What information was affected?

We have determined that certain personal information of some cardholders and other individuals has been improperly accessed by an unauthorized person.

What is RBS WorldPay doing about this?

Our internal security professionals are currently working with outside experts and federal and state law enforcement authorities to investigate the situation.

Steps taken by RBS WorldPay to mitigate risk in response to this situation include the deactivation of a large percentage of inactive open-loop prepaid gift and payroll cards and an effort to work with our partners to withdraw inactive gift cards from stores. In addition, PINs for all PIN-enabled cards have been or are being re-set, fraud monitoring efforts have been increased, and specialists have been appointed to build additional protection into the RBS WorldPay infrastructure.

How do I know my information is safe?

Your privacy is important to us. We continually assess our systems and procedures to try to ensure that they are up to date in order to safeguard personal information.

Will I be reimbursed for any losses?

Cardholders will not be responsible for unauthorized activity on their card resulting from this situation. We recommend that affected cardholders report fraudulent activity to an RBS WorldPay representative and we will investigate these claims in accordance with our internal guidelines regarding reimbursing fraudulent transactions.

Who should I contact if I have questions?

You may contact an RBS WorldPay representative by calling the number on the back of your card. The representative will help you with any questions or concerns you may have.

How will I know if I am affected?

We will provide notification to cardholders and other individuals who may have been affected by this event.

Has the information been misused?

There has been fraudulent activity involving approximately 100 cards and those cards have been deactivated. Affected cardholders will not be responsible for unauthorized activity resulting from this incident.

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Information for Program Managers

If you are a program manager, please read the material in this section for additional information.

Who should I contact if I have questions?

You can contact RBS WorldPay by calling your account manager who will help you with questions or concerns you may have.

Will my cardholders be reimbursed for any losses?

Cardholders will not be responsible for unauthorized activity on their card resulting from this situation. We recommend that affected cardholders report fraudulent activity to us and we will investigate these claims in accordance with our internal guidelines regarding reimbursing fraudulent transactions.

What should I do if one of my cardholders calls with a report of fraudulent activity?

Immediately de-activate the card and submit the claim to RBS WorldPay according to our internal guidelines for reimbursement.

How do my cardholders contact the consumer reporting agencies/credit bureaus?

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-525-6285

www.equifax.com

Experian
P.O. Box 9532
Allen, TX 75013
1-888-397-3742

www.experian.com

TransUnion
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
1-800-680-7289

www.transunion.com

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Information on Identity Theft

The following are prudent steps that can be followed by any person

  • REMAIN VIGILANT FOR THE NEXT 12 TO 24 MONTHS.
    Carefully review your credit reports and bank, credit card, payment card and other account statements. If you discover unauthorized or suspicious activity on your credit report or by any other means, please call your local police immediately and file an identity theft report.
  • ORDER YOUR FREE ANNUAL CREDIT REPORTS.
    To order your free annual credit reports, call toll-free 1-877-322-8228, visit www.annualcreditreport.com, or complete the Annual Credit Report Request Form online and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Hearing impaired consumers can access the TDD service at 1-877-730-4104. For your free annual credit reports, do not contact the three nationwide consumer reporting agencies individually; they provide this service only through www.annualcreditreport.com.
  • WHEN YOU RECEIVE YOUR CREDIT REPORTS, REVIEW THEM CAREFULLY.
    Once you receive your credit reports, review them carefully. Please look for accounts you did not open or inquiries from creditors that you did not initiate. Verify that all the information is accurate. If you have questions or notice inaccurate information, please call the relevant consumer reporting agency at the telephone number listed on the report.
  • PLACE A 90-DAY FRAUD ALERT ON YOUR CREDIT FILE.
    A fraud alert notifies creditors that you may be the victim of fraud and tells them to contact you before opening any new accounts. To place a fraud alert on your file, please call any one of the three nationwide consumer reporting agencies listed below. By calling one consumer reporting agency, the other two will automatically be notified. They will place a fraud alert on your credit file and will also assist you in getting a free credit report from each of the three agencies. The initial fraud alert will last for 90 days. You may want to renew it after the first 90 days. If you have already filed an identity theft report with your local police department, you should place an extended fraud alert on your credit file. This extended fraud alert is a free service and is valid for 7 years.

    Equifax
    P.O. Box 740241
    Atlanta, GA 30374-0241
    1-800-525-6285

    www.equifax.com

    Experian
    P.O. Box 9532
    Allen, TX 75013
    1-888-397-3742

    www.experian.com

    TransUnion
    Fraud Victim Assistance Division
    P.O. Box 6790
    Fullerton, CA 92834-6790
    1-800-680-7289

    www.transunion.com

     

     

     

     

     

     

  • PLACE A SECURITY FREEZE ON YOUR CREDIT FILE.
    You may wish to place a security freeze on your credit file. A security freeze generally will prevent creditors from accessing your credit file at the three nationwide consumer reporting agencies without your consent. You can request a security freeze by contacting each of the three consumer reporting agencies at:

    Equifax
    P.O. Box 740241
    Atlanta, GA 30374-0241
    1-800-525-6285

    www.equifax.com

    Experian
    P.O. Box 9532
    Allen, TX 75013
    1-888-397-3742

    www.experian.com

    TransUnion
    Fraud Victim Assistance Division
    P.O. Box 6790
    Fullerton, CA 92834-6790
    1-800-680-7289

    www.transunion.com

     

     

     

     

     

     

     

    The consumer reporting agencies may charge a reasonable fee to place a freeze on your account and may require that you provide proper identification prior to honoring your request.
  • LEARN MORE ABOUT IDENTITY THEFT AND WAYS TO PROTECT YOURSELF.
    The Federal Trade Commission has online guidance about the steps consumers can take to protect themselves against identity theft. You can call 1-877-ID-THEFT (1-877-438-4338); TTY: 1-866-653-4261; write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or visit the Federal Trade Commission’s website at www.ftc.gov/idtheft to get more information. We also encourage you to report suspected identity theft to the Federal Trade Commission.

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