Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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Credit Card Scam--Watch Out!
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
& MasterCard 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: Person calling says, '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 Arizona ?' 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), is that correct?'
You say 'yes'. The caller continues, 'I will be starting a fraud
investigation. 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
minutes a new purchase of $497.99 was charged to our card.
Long story/short - we made a real frau d 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
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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thanks for the heads up, mine only has a £500 limit though lol, not even worth it for them 
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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Mines only £200 and maxed out anyways 
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Richie
Member
Registered: 3rd Dec 02
Location: Newport, Wales
User status: Offline
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some people.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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yes they think your card is veing used fraudulently, so they just give u a quick call to tell u all about it!
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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Can you please tell us where to wire the monies
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Superlite Ltd.
Member
Registered: 9th Jan 07
User status: Offline
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quote:
Originally posted by Fonz
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.
I would have said, "thinkyou, Jason Richardson, but im still going to come round your house and murder your childer"
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I hope they try me 
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