Subject: Fwd: New Credit Card Scam I'm sure you've read this already but just in case... Anyway, we should all know by now not to talk to strangers even over the phone about money matters like credit cards, rig
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Make sure you read all the way down
This one is pretty slick since they provide YOU
with all the information, except the one piece they want.
Note, the callers do not ask for your card number; they already have it...
This information is worth reading. By understanding how the VISA & Master
Card Telephone Credit Card Scam works, you'll be better prepared to protect
yourself.
One of our employees was called on Wednesday from 'VISA', and I was called on
Thursday from 'Master Card'.. The scam works like this: Caller: 'This is
(name), and I'm calling from the Security and Fraud Department at VISA. My
Badge number is 12460. Your card has been flagged for an unusual purchase
pattern, and I'm calling to verify. This would be on your VISA card which was
issued by (name of bank). Did you purchase an Anti-Telemarketing Device for
$497..99 from a Marketing company based in ?'
When you say 'No', the caller continues with, 'Then we will be issuing a
credit to your account. This is a company we have been watching and the
charges range from $297 to $497, just under the $500 purchase pattern that
flags most cards. Before your next statement, the credit will be sent to
(gives you your address), i s that correct?'
You say 'yes'. The caller continues - 'I will be starting a Fraud invest
igation. If you have any questions, you should call the 1- 800 number listed
on the back of your card (1-800 -VISA) and ask for Security.'
You will need to refer to this Control Number. The caller then gives you a 6
digit number. 'Do you need me to read it again?'
Here's the IMPORTANT part on how the scam works. The caller then says, 'I need to verify you are in possession of your
card'. He'll ask you to 'turn your card over and look for some numbers'.
There are 7 numbers; the first 4 are part of your card number, the next 3 are
the security Numbers that verify you are the possessor of the card. These are
the numbers you sometimes use to make Internet purchases to prove you have
the card. The caller will ask you to read the 3 numbers to him. After you
tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to
verify that the card has not been lost or stolen, and that you still have
your card. Do you have any other questions?' After you say No, the caller
then thanks you and states, 'Don't hesitate to call back if you do, and hangs
up.
You actually say very little, and they never
ask for or tell you the Card number.. But after we were called on Wednesday,
we called back within 20 minutes to ask a question.. Are we glad we did! The
REAL VISA Security Department told us it was a scam and in the last 15 min
utes a new purchase of $497.99 was charged to our card.
Long story - short - we made a real fraud report and closed the VISA account.
VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the
card Don't give it to
them. Instead, tell them you'll call VISA or Master card directly for
verification of their conversation. The real VISA told us that they will
never ask for anything on the card as they already know the information since
they issued the card! If you give the scammers your 3 Digit PIN Number, you
think you're receiving a credit. However, by the time you get your statement
you'll see charges for purchases you didn't make, and by then it's almost too
late and/or more difficult to actually file a fraud report.
What makes this more remarkable is that on Thursday, I got a call from a
'Jason Richardson of Master Card' with a word-for-word repeat of the VISA
scam. This time I didn't let him finish. I hung up! We filed a police report,
as instructed by VISA. The police said they are taking several of these
reports daily! They also urged us to tell everybody we know that this scam is
happening.
Please pass this on to all your family, friends
and neighbors. By informing each other, we protect each other.
Neighbors helping neighbors; always the best policy!
Click
here: snopes.com: Visa Fraud Investigation Scam
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