Chrissy Meyer remembers last summer very well. It was not the heat, it was not the Fourth of July, and it was not a family vacation. Her reason comes in the form of a phone call from her credit card company.
"They said, 'hey, do you happen to be at a Walmart in West Virginia right now?' and I was shocked. I said, 'No, I'm in my living room in Sioux Falls.' Why do you ask?" Meyer said.
Hackers stole her credit card number, and several others, through a processing center.
"I was literally sick to my stomach, panicking. I remember sitting there, thinking, 'What am I going to do?'" Meyer said.
Pamela Kreber knows the feeling well. She was a victim of identity fraud 14 years ago.
"You can do everything right and they can still get your information," Kreber said.
Kreber's co-worker stole her driver's license and set up credit cards at various stores.
"I had outstanding balances at three stores in town I had never shopped at," Kreber said.
Both women changed their cards and opened new accounts. In Meyer's case, she spent a few hundred dollars to monitor her account afterward. Credit card companies will not hold customers liable for fraudulent charges, but the whole process will still cost you in time and in stress.
"I contacted the police, but they couldn't really do anything. I had to become my own little investigator. I had to go to the stores, I had to get all of the original receipts that had already been mailed to corporate," Kreber said.
There are many more victims with similar experiences, and Meyer said the one positive outcome is she is even more aware of her financial information.
"In this day and age, you are more your credit score than ever before. Being able to watch that and monitor that is important," Meyer said.