Did you see [1] this article on the New York Times back in January - or hear about it since then?

From that article the authors stated:

“Heartland, based in Princeton, N.J., works with about 175,000 small merchants and processes about 100 million transactions a month. It has created a Web site, [2] 2008breach.com, to provide information about the incident. Cardholders are not responsible for unauthorized fraudulent charges.”

Not according to the Federal Trade Commission and legislation:

Page 19 of the free booklet IDTheft Victims receive when they file a complaint with the FTC “[3] Take Charge: Fighting Back Against Identity Theft” [available at http://ftc.gov/idtheft] indicates you are responsible in this way - that can be very costly:

“…If an identity thief changed the address on your account and you didn’t receive the bill, your dispute letter still must reach the creditor within 60 days of when the creditor would have mailed the bill. This is one reason it’s essential to keep track of your billing statements, and follow up quickly if your bills don’t arrive on time.”

Terry Kohler
Certified IDentity Theft Risk Management Specialist
[4] Talk Solutions Today