Following up on our blog post from July 25th, we are providing our customers with more information about a recent cybersecurity incident affecting certain personal information. This post provides customers with information about the incident and outlines additional steps customers can take to help protect themselves.
As a result of a breach at a former third-party service provider, an unauthorized party illegally accessed and stole certain customer data at Dave between June 23 and July 1, 2020. As soon as Dave became aware of this incident on July 1, 2020, its security team quickly took steps to secure its systems, including customers’ accounts. Dave immediately began an investigation, retained a leading cybersecurity firm, and notified law enforcement, including the Federal Bureau of Investigation (“FBI”).
After the compromise at Dave’s service provider, the unauthorized party was able to gain temporary access to Dave’s systems and obtained certain Dave customer data. It appears this data is now posted online as available for sale on, or download from, illicit online marketplaces, which the FBI is aware of and is investigating.
What Information Was Involved?
The types of data that may have been exposed as a result of this incident included the following; however, not every customer had every data element exposed:
- First and last name
- Date of birth
- Physical address
- Profile image
- Customer application preferences (e.g., notification frequency, default tip percentage, etc.)
- Hashed password
- Encrypted Social Security number
Importantly, the breach did not affect bank account numbers, credit card numbers, or records of financial transactions. Dave has no evidence of fraudulent customer account usage or that any customer has experienced any financial loss as a result of this incident. There is also no evidence to indicate that the unauthorized party accessed the encryption keys used to encrypt Social Security numbers. Social Security numbers were encrypted using AES-256 encryption and customer passwords were stored in illegible form using bcrypt, an industry-recognized hashing algorithm. Dave has, however, subsequently confirmed the likelihood that a party was able to “crack” or determine the plain text characters of at least some of the stolen hashed passwords.
What Dave Is Doing
Dave takes this matter seriously and continues to implement measures to secure customers’ personal information. Dave is no longer working with the third-party service provider whose security breach enabled the unauthorized party to obtain customer data. Moreover, upon Dave’s discovery of the incident, Dave’s security team quickly took steps to secure its systems, including customers’ accounts. Dave has forced a reset of all customer login credentials and is requiring all customers to change their passwords. When logging in, customers will receive instructions on how to change their password, which they should do immediately. Dave advised customers to change their passwords on any other sites on which they use the password they previously used with Dave. Dave’s security team has also put in place additional technical measures to enhance account security, in consultation with independent cybersecurity experts, which will provide additional layers of security and protection.
Dave values its relationship with its customers and takes data protection and privacy issues seriously. Recognizing that identity protection is of paramount concern, we have partnered with Mastercard ID Theft Protection to provide you with complimentary identity theft resolution services through December 31, 2021. If you are not already enrolled in this or a similar service, please refer to the instructions below under Steps You Can Take to Protect Your Information and enroll at https://mastercardus.idprotectiononline.com/.
Dave regrets this incident and apologizes for any concern or inconvenience it may cause.
What You Can Do
First, in order to further protect your account and related information, we require that you create a new, strong password as soon as possible that you have never used elsewhere before. We also recommend that if you use your old password on other accounts, you should change those passwords too.
Here are some helpful tips when creating a password:
- Use LONG passwords.
- Use UNIQUE passwords. Each website and application you access should have a different password, not just a modification of the same password (ex.: changing the number at the end).
- Use PASS PHRASES whenever possible. Pass phrases are when you combine multiple words into a phrase and use it as your password (ex.: DogJumpHouseRoad).
- Use the same password for different accounts.
- Write down passwords.
- Recycle the same password by changing the number at the end (ex.: Password1, Password2, etc.).
After logging into your account, please review your account information and activity. If you notice anything unusual or suspicious, please contact us at firstname.lastname@example.org or by phone at 1-888-865-8193.
Going forward, you should continue to monitor your account statements and credit reports for evidence of fraud or identity theft. For more information on steps you can take to protect your information, please review the instructions below under Steps You Can Take to Protect Your Information.
If you have any additional questions, please contact us at email@example.com or by phone at 1-888-865-8193. You may also write to us at 1265 S Cochran Avenue, Los Angeles, CA 90019.
Steps You Can Take to Protect Your Information
Enroll in Mastercard ID Theft Protection™
Dave has partnered with Mastercard ID Theft Protection to provide you with complimentary identity theft resolution services through December 31, 2021. To enroll in this service, please visit https://mastercardus.idprotectiononline.com/ and enter the following 16-digit code: 2221002433536724.
This service is offered through Iris on watch®, Generali Global Assistance’s proprietary Internet surveillance technology, which proactively detects the illegal trading and selling of personally identifiable information online. At any point in time, Iris on watch® is tracking thousands of websites and millions of data points, and alerting customers whose personal information they find has been compromised online. This information is being gathered in real-time so that you have the opportunity to react quickly and take the necessary steps to protect yourself.
The Mastercard services also include the following features:
• Providing a uniform Identity Theft Affidavit and assisting with completion of the Affidavit. (Note that it is your responsibility to submit the Affidavit to the proper authorities, credit bureaus, and creditors.)
• Assisting in notifying all three major credit reporting agencies to obtain a free credit report and assisting with placing an alert on your record with the agencies.
• Providing information about how identity theft can occur and protective measures to avoid further occurrences.
• Providing an Identity Theft Resource Kit.
• Providing sample letters for use in canceling checks, ATM cards, and other accounts.
These services are provided are on a 24-hour basis, 365 days a year. If you have questions about the services, or believe that you have been a victim of Identity Theft, simply contact 1-800-Mastercard.
In addition to enrolling in Mastercard ID Theft Protection, we recommend taking the following steps:
• Remain vigilant about reviewing your financial accounts and monitoring free credit reports to detect any suspicious activity. See below for more information.
• Consider placing a fraud alert or security freeze on your account with the credit agencies. See below for more information.
• Contact the Federal Trade Commission (“FTC”) Consumer Response Center for further information on fraud alerts and security freezes at 600 Pennsylvania Avenue, NW, Washington, DC 20580, by calling 1-877-IDTHEFT (877-438-4338), or through their website at www.consumer.gov/idtheft.
• Report any suspected identity theft to law enforcement, including the FTC.
If you are a resident of the following states:
• If you are a resident of Maryland, you may contact the Maryland Office of the Attorney General for further information on consumer protection at 200 St. Paul Place, Baltimore, MD 21202, by calling 1-888-743-0023, or through their website at http://www.marylandattorneygeneral.gov/Pages/IdentityTheft/default.aspx.
• If you are a resident of Washington, D.C., you may contact the Office of the Attorney General for the District of Columbia for further information on consumer protection at 441 4th Street, NW, Washington D.C. 20001, by calling (202) 442-9828, or through their website at https://oag.dc.gov/consumer-protection/consumer-alert-identity-theft#:~:text=You%20should%20file%20a%20complaint,at%20202%2D727%2D4159.
• If you are a resident of New York, you may contact New York State Office of the Attorney General for further information on consumer protection at The Capitol, Albany, NY 12224-0341, by calling 1-800-771-7755, or through their website at https://ag.ny.gov/consumer-frauds/identity-theft#:~:text=Depending%20on%20your%20specific%20situation,(800)%20771%2D7755.
• If you are a resident of North Carolina, you may contact the North Carolina Department of Justice for further information about preventing identity theft at 9001 Mail Service Center, Raleigh, NC 27699-9001, by calling 1-877-566-7226, or through their website at https://ncdoj.gov/protecting-consumers/identity-theft/.
• If you are a resident of Oregon, report any suspected identity theft to the Oregon Department of Justice or contact the Oregon Department of Justice for further information on consumer protection at 1162 Court St. NE, Salem, OR 97301-4096, by calling 1-877-877-9392, or through their website at https://www.doj.state.or.us/consumer-protection/id-theft-data-breaches/identity-theft/.
• If you are a resident of Rhode Island, you may contact the Office of the Attorney General for Rhode Island for further information on consumer protection at 150 South Main Street, Providence, RI 02903, by calling (401) 274-4400, or through their website at http://www.riag.ri.gov/ConsumerProtection/About.php. You may also file or obtain a police report by contacting your local police department. The report may be filed in the location in which the offense occurred, or the city or county in which you reside. The personal information of approximately 5,971 Rhode Island residents was affected by the breach.
• If you are a resident of Iowa, you should report suspected incidents of identity theft to local law enforcement or the Office of the Attorney General of Iowa at Hoover State Office Building, 1305 E. Walnut Street, Des Moines, Iowa 50319-0106, by calling 888-777-4590, or through their website at: https://www.iowaattorneygeneral.gov/for-consumers/general-consumer-information/identity-theft
• If you are a resident of Massachusetts, you may also file or obtain a police report by contacting your local police department. The report may be filed in the location in which the offense occurred, or the city or county in which you reside.
Monitor Your Accounts
We encourage you to remain vigilant against incidents of identity theft and fraud, to review your account statements, and to monitor your credit reports for suspicious activity. Under U.S. law you are entitled to one free credit report annually from each of the three major credit reporting bureaus. To order your free credit report, visit www.annualcreditreport.com or call, toll-free, (877) 322-8228. You may also contact the three major credit bureaus directly to request a free copy of your credit report, as follows:
• Experian: P.O. Box 9532, Allen, TX 75013, (888) 397-3742 or www.experian.com
• TransUnion: P.O. Box 1000, Chester, PA 19022, (800) 888-4213 or www.transunion.com
• Equifax: P.O. Box 740241, Atlanta, Georgia 30374-0241, (800) 685-1111 or www.equifax.com
You have the right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, you cannot be charged to place or lift a security freeze on your credit report. Should you wish to place a security freeze, please contact the major consumer reporting agencies, as follows:
• Experian: P.O. Box 9554, Allen, TX 75013, (888) 397-3742 or www.experian.com/freeze/center.html
• TransUnion: P.O. Box 160, Woodlyn, PA 19094, (800) 909-8872 or www.transunion.com/credit-freeze
• Equifax: P.O. Box 105788, Atlanta, Georgia 30348-5788, (888) 298-0045 or www.equifax.com/personal/credit-report-services/credit-freeze/
In order to request a security freeze, you will need to provide the following information:
1. Your full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. If you have moved in the past five (5) years, provide the addresses where you have lived over the prior five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, military identification, etc.);
7. If you are a victim of identity theft, include a copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft.
As an alternative to a security freeze, you have the right to place an initial or extended “fraud alert” on your file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should you wish to place a fraud alert, please contact any one of the agencies listed below:
• Experian: P.O. Box 2002, Allen, TX 75013, (888) 397-3742 or www.experian.com/fraud/center.html
• TransUnion: P.O. Box 2000, Chester, PA 19016, (800) 680-7289 or www.transunion.com/fraud-victim-resource/place-fraud-alert
• Equifax: P.O. Box 105069, Atlanta, Georgia 30348, (888) 766-0008 or www.equifax.com/personal/credit-report-services