Data Security Notice

Data Security Notice

The Galt House® Hotel Notifies Guests of Payment Card Cybersecurity Incident
7/27/2017

California residents please click here.

The Galt House Hotel greatly values the relationship we have with our guests and understands the importance of protecting their payment card information.  After being alerted to a potential information security incident, the Galt House Hotel immediately initiated an investigation of the payment card system that supports card acceptance. In addition to our own internal review, we engaged a leading computer forensics firm to assist us and coordinated closely with law enforcement. On June 26, 2017, our investigation determined that malware had been installed on our payment card processing system that copied some guests’ payment card data, including the cardholders’ names, payment card account numbers, card expiration dates, and verification codes. The investigation determined that payment card data of certain guests who used their cards at the Galt House Hotel from December 21, 2016, to April 11, 2017, had been obtained by an unauthorized person. 

As a best practice, it is always advisable to remain vigilant to the possibility of fraud by reviewing your payment card statements for any unauthorized activity. You should immediately report any unauthorized charges to your payment 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 that follows this notice for additional steps you may take to protect your information.

The Galt House Hotel has resolved the issue and we continue to work with the computer forensics firm to further strengthen the security of our systems to help prevent this from happening again. In addition, we are working with the payment card networks so that the banks that issue payment cards can be made aware and initiate heightened monitoring.

The Galt House Hotel deeply regrets any concern this may have caused. If you have any questions, please call 1-866-815-1914 from 9:00 a.m. to 6:00 p.m. Eastern time, Monday to Friday. 

MORE INFORMATION ON WAYS TO PROTECT YOURSELF
We recommend that you remain 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 annual free 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 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

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 at least 90 days.  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 may have the right to put a credit freeze, also known as a security freeze, on your credit file, so that no new credit can be opened in your name without the use of a PIN number that is issued to you when you initiate a freeze.  A credit freeze is designed to prevent potential credit grantors from accessing your credit report without your consent.  If you place a credit 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 credit freeze may delay your ability to obtain credit.  In addition, you may incur fees to place, lift and/or remove a credit freeze.  Credit freeze laws vary from state to state.  The cost of placing, temporarily lifting, and removing a credit freeze also varies by state, generally $5 to $20 per action at each credit reporting company.   Unlike a fraud alert, you must separately place a credit freeze on your credit file at each credit reporting company.  Since the instructions for how to establish a credit freeze differ from state to state, please contact the three major credit reporting companies as specified below to find out more information.

If you are a resident of Maryland, North Carolina, or Rhode Island, you may contact and obtain information from your state attorney general at:
 
Maryland Attorney General’s Office 
200 St. Paul Place, Baltimore, MD 21202     
www.oag.state.md.us 
888-743-0023 (toll free when calling within Maryland)
410-576-6300 (for calls originating outside Maryland)

North Carolina Attorney General’s Office
9001 Mail Service Center, Raleigh, NC  27699
www.ncdoj.gov
919-716-6400

Rhode Island Attorney General’s Office
150 South Main Street, Providence, RI    02903
www.riag.ri.gov
401-274-4400
 
If you are a resident of Massachusetts, note that pursuant to Massachusetts law, you have the right to file and obtain a copy of any police report.
 
Massachusetts law also allows consumers to request a security freeze. A security freeze prohibits a credit reporting agency from releasing any information from your credit report without written authorization.  Be aware that placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, credit mortgages, employment, housing, or other services.
 
The fee for placing a security freeze on a credit report is $5.00.  If you are a victim of identity theft and submit a valid investigative report or complaint with a law enforcement agency, the fee will be waived.  In all other instances, a credit reporting agency may charge you up to $5.00 each to place, temporarily lift, or permanently remove a security freeze.  If you have not been a victim of identity theft, you will need to include payment to the credit reporting agency to place, lift, or remove a security freeze by check, money order, or credit card.
 
To place a security freeze on your credit report, you must send a written request to each of the three major reporting agencies by regular, certified, or overnight mail at the addresses below:
 
Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348, www.equifax.com
Experian Security Freeze, PO Box 9554, Allen, TX 75013, www.experian.com
TransUnion Security Freeze, PO Box 2000, Chester, PA 19016, www.transunion.com
 
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 the police report, investigative report, or complaint to a law enforcement agency concerning identity theft
 
The credit reporting agencies have three (3) business days after receiving your request to place a security freeze on your credit report. The credit bureaus must also send written confirmation to you within five (5) business days and provide you with a unique personal identification number (“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, you must call or send a written request to the credit reporting agencies by mail and include proper identification (name, address, and Social Security number) and the PIN number 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 three (3) business days after receiving your request to lift the security freeze for those identified entities or for the specified period of time.
 
To remove the security freeze, you must send a written request to each of the three credit bureaus by mail and include proper identification (name, address, and Social Security number) and the PIN number or password provided to you when you placed the security freeze. The credit bureaus have three (3) business days after receiving your request to remove the security freeze.
 
If you are a resident of New Mexico, you have rights under the federal Fair Credit Reporting Act, which promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.  The FTC has published a list of the primary rights created by the FCRA (https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf), and that article refers individuals seeking more information to visit www.ftc.gov/credit.  The FTC’s list of FCRA rights includes:
 
  • You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request.
  • Each of the nationwide credit reporting companies – Equifax, Experian, and TransUnion – is required to provide you with a free copy of your credit report, at your request, once every 12 months.
  • You are also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
  • You have the right to ask for a credit score.
  • You have the right to dispute incomplete or inaccurate information.
  • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
  • Consumer reporting agencies may not report outdated negative information.
  • Access to your file is limited.  And you must give your consent for reports to be provided to employers.
  • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.
  • You may seek damages from violators.
  • Identity theft victims and active duty military personnel have additional rights.
 
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 above. You also have a right to place a security freeze on your credit report, as described above.