close menu

Notice of Payment Card Incident


February 13, 2020

Rutter’s takes the security of payment card data very seriously. We are notifying our customers of an incident involving payment cards that were used at some of our locations. This notice explains the incident, measures we have taken, and some steps you can take in response.

Rutter’s recently received a report from a third party suggesting there may have been unauthorized access to data from payment cards that were used at some Rutter’s locations.  We launched an investigation, and cybersecurity firms were engaged to assist.  We also notified law enforcement.

On January 14, 2020, the investigation identified evidence indicating that an unauthorized actor may have accessed payment card data from cards used on point-of-sale (POS) devices at some fuel pumps and inside some of our convenience stores through malware installed on the payment processing systems. The malware searched for track data (which sometimes has the cardholder name in addition to card number, expiration date, and internal verification code) read from a payment card as it was being routed through the payment processing systems. However, chip-enabled (EMV) POS terminals are used inside our convenience stores.  EMV cards generate a unique code that is validated for each transaction, and the code cannot be reused. As a result, for EMV cards inserted into the chip-reader on the EMV POS devices in our convenience stores, only card number and expiration date (and not the cardholder name or internal verification code) were involved.  In addition, it appears that the malware did not copy data from all of the payment cards used during the period that it was present on a given payment processing system. There is no indication that other customer information was accessed.  Please note this incident is not the result of a handheld “skimmer” being placed on a Rutter’s fuel pump.

The specific timeframes when data from cards used at the locations involved may have been accessed vary by location over the general timeframe beginning October 1, 2018 through May 29, 2019. There is one location where access to card data may have started August 30, 2018 and nine additional locations where access to card data may have started as early as September 20, 2018. A list of the locations involved and specific timeframes is available here. For those customers Rutter’s can identify as having used their card at a location involved during that location’s specific timeframe and for whom Rutter’s has a mailing address or email address, Rutter’s will be mailing them a letter or sending them an email.

Payment card transactions at Rutter’s car washes, ATM’s, and lottery machines in Rutter’s stores were not involved.

It is always advisable to review your payment card statements for any unauthorized activity. You should immediately report any unauthorized charges to your card issuer because payment card rules generally provide that cardholders are not responsible for unauthorized charges reported in a timely manner. The phone number to call is usually on the back of your payment card. Please see the section below for information on additional steps you may take.

The malware has been removed, and we have implemented enhanced security measures. We also continue to work to evaluate additional ways to enhance the security of payment card data. In addition, we continue to support law enforcement’s investigation.

We regret this incident occurred and sincerely apologize for any inconvenience. Our family has been in business for over 273 years in central Pennsylvania, and we sincerely appreciate all of our loyal customers through the decades. Our award-winning team is ready to serve our valued customers as we move forward from this incident.

If you have additional questions, you can call 888-271-9728 Monday through Friday between the hours of 9:00 a.m. and 9:00 p.m. ET.

 

 

Additional Steps You Can Take

It is always advisable to be vigilant for incidents of fraud or identity theft by reviewing your account statements and free credit reports for any unauthorized activity. You may obtain a copy of your credit report, free of charge, once every 12 months from each of the three nationwide credit reporting companies. To order your free annual credit report, please visit www.annualcreditreport.com or call toll free at 1-877-322-8228. Contact information for the three nationwide credit reporting companies is as follows:

Equifax, PO Box 740241, Atlanta, GA 30374, www.equifax.com, 1-800-685-1111

Experian, PO Box 2002, Allen, TX 75013, www.experian.com, 1-888-397-3742

TransUnion, PO Box 2000, Chester, PA 19016, www.transunion.com, 1-800-916-8800

If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Attorney General’s office in your state. You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records. Contact information for the Federal Trade Commission and the New York Attorney General is as follows:

Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue, NW Washington, DC 20580, 1-877-IDTHEFT (438-4338), www.ftc.gov/idtheft

If you are a resident of West Virginia, you have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft, as described below. You also have a right to place a security freeze on your credit report, as described below. 

Fraud Alerts: There are two types of fraud alerts you can place on your credit report to put your creditors on notice that you may be a victim of fraud—an initial alert and an extended alert. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial fraud alert stays on your credit report for one year. You may have an extended alert placed on your credit report if you have already been a victim of identity theft with the appropriate documentary proof. An extended fraud alert stays on your credit report for seven years. You can place a fraud alert on your credit report by contacting any of the three national credit reporting agencies.

Credit Freezes: You have the right to put a credit freeze, also known as a security freeze, on your credit file, free of charge, so that no new credit can be opened in your name without the use of a personal identification number (“PIN”)  that is issued to you when you initiate a freeze. A security freeze is designed to prevent potential credit grantors from accessing your credit report without your consent. If you place a security freeze, potential creditors and other third parties will not be able to get access to your credit report unless you temporarily lift the freeze. Therefore, using a security freeze may delay your ability to obtain credit.

There is no fee to place or lift a security freeze. Unlike a fraud alert, you must separately place a security freeze on your credit file at each credit reporting company. For information and instructions to place a security freeze, contact each of the credit reporting agencies at the addresses below:

  • Experian Security Freeze, PO Box 9554, Allen, TX 75013, experian.com
  • TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, transunion.com
  • Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, equifax.com

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 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 the police report, investigative report, or complaint to a law enforcement agency concerning identity theft

The credit reporting agencies have one business day after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to place a security freeze on your credit report. The credit bureaus must also send written confirmation to you within five business days and provide you with a unique PIN or password or both that can be used by you to authorize the removal or lifting of the security freeze.

To lift the security freeze in order to allow a specific entity or individual access to your credit report, or to lift a security freeze for a specified period of time, you must submit a request through a toll-free telephone number, a secure electronic means maintained by a credit reporting agency, or by sending a written request via regular, certified, or overnight mail to the credit reporting agencies and include proper identification (name, address, and Social Security number) and the PIN or password provided to you when you placed the security freeze as well as the identity of those entities or individuals you would like to receive your credit report or the specific period of time you want the credit report available. The credit reporting agencies have one hour after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to lift the security freeze for those identified entities or for the specified period of time.

To remove the security freeze, you must submit a request through a toll-free telephone number, a secure electronic means maintained by a credit reporting agency, or by sending a written request via regular, certified, or overnight mail to each of the three credit bureaus and include proper identification (name, address, and Social Security number) and the PIN or password provided to you when you placed the security freeze. The credit bureaus have one hour after receiving your request by toll-free telephone or secure electronic means, or three business days after receiving your request by mail, to remove the security freeze.