Capital One data breach exposes more than 100 million customers in US
A hacker gained access to personal information from more than 100 million Capitol One credit applications, the bank said on Monday as federal authorities arrested a suspect in the case.
Paige A. Thompson - who also goes by the handle "erratic" - was charged with a single count of computer fraud and abuse in US District Court in Seattle.
Thompson made an initial appearance in court and was ordered to remain in custody pending a detention hearing on Thursday.
The hacker got information including credit scores and balances plus the Social Security numbers of about 140,000 customers, the bank said. It will offer free credit monitoring services to those affected.
The FBI raided Thompson's residence on Monday and seized digital devices. An initial search turned up files that referenced Capital One and "other entities that may have been targets of attempted or actual network intrusions."
A public defender appointed to represent Thompson did not immediately return an email seeking comment.
Capitol One, based in McLean, Virginia, said on Monday it found out about the vulnerability in its system July 19 and immediately sought help from law enforcement to catch the perpetrator.
According to the FBI complaint, someone emailed the bank two days before that notifying it that leaked data had appeared on the code-hosting site GitHub, which is owned by Microsoft.
And a month before that, the FBI said, a Twitter user who went by "erratic" sent Capitol One direct messages warning about distributing the bank's data, including names, birth dates and Social Security numbers.
"'I've basically strapped myself with a bomb vest, (expletive) dropping capitol ones dox and admitting it," one said. "I wanna distribute those buckets I think first."
Capital One said it believes it is unlikely that the information was used for fraud, but it will continue to investigate. The data breach affected about 100 million people in the US and 6 million in Canada.
The bank said the bulk of the hacked data consisted of information supplied by consumers and small businesses who applied for credit cards between 2005 and early 2019.
In addition to data such as names, addresses, phone numbers, email addresses, dates of birth and self-reported income, the hacker was also able to access credit scores, credit limits and balances, as well as fragments of transaction information from a total of 23 days in 2016, 2017 and 2018.
"While I am grateful that the perpetrator has been caught, I am deeply sorry for what has happened," said Capital One CEO Richard D. Fairbank.
"I sincerely apologise for the understandable worry this incident must be causing those affected and I am committed to making it right."
Capital One Financial Corp., the nation's seventh-largest commercial bank with $373.6 billion in assets as of June 30, is the latest US company to suffer a major data breach in recent years.
In 2017, a data breach at Equifax, one of the major credit reporting companies, exposed the Social Security numbers and other sensitive information of roughly half of the US population.
The credit rating firm also said it had contacted nearly 700,000 customers in the UK to alert them that their data had been stolen in the attack.
Last week, Equifax agreed to pay at least $700 million to settle lawsuits over the breach in a settlement with federal authorities and states. The agreement includes up to $425 million in monetary relief to consumers.
