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IMPORTANT, Read This **New Credit Card Scam**

  Author:  47930  Category:(Discussion) Created:(9/3/2008 10:23:00 AM)
This post has been Viewed (1914 times)

New Credit Card Scam I received this and wanted to share it with all of you so please be careful. hugs

Snopes.com says this is true. See this site - http://www.snopes.com/crime/warnings/creditcard.asp 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: 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 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 t he 1- 800 number listed on t he 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 state s, '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 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.

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Halloween is Right around the corner.. .







 
Replies:      
Date: 9/1/2008 8:01:00 AM  From Authorid: 28848    thats for the tip. I'm automatically alerted when purchases have been made, and I have extra security pins in addition to the usual ones on my accounts.  
Date: 9/1/2008 8:06:00 AM  ( From Author ) From Authorid: 47930    that is good, i will have to check and see if we can get it on ours..hugs  
Date: 9/1/2008 8:13:00 AM  From Authorid: 63040    bookmarked thanks for the heads up! how did they get your card number and all your other info?  
Date: 9/1/2008 8:13:00 AM  From Authorid: 49311    we have to try what Release me has MM LOVE YOU  
Date: 9/1/2008 8:14:00 AM  From Authorid: 21903    wow, thank you for the warning!!  
Date: 9/1/2008 8:17:00 AM  From Authorid: 28848    thanks, not thats. LOL  
Date: 9/1/2008 8:21:00 AM  ( From Author ) From Authorid: 47930    Star i was wondering the same thing..maybe on th snopes thing they will tell ya *shrugs* i am clueless lol  
Date: 9/1/2008 8:23:00 AM  ( From Author ) From Authorid: 47930    Release Me i new what ya meant lol   
Date: 9/1/2008 8:23:00 AM  ( From Author ) From Authorid: 47930    Freckle Face you are so welcome..there are so many people that choose to do the wrong thing.  
Date: 9/1/2008 9:15:00 AM  From Authorid: 12709    Wow. I almost want one of them to try that on me so I can be mean when they call.  
Date: 9/1/2008 9:37:00 AM  From Authorid: 63572    It's amazing how many new scams these people come up with. This is meant in no offense to anyone but I have found if people call you and sound like their from india or australia that it's usually a scam (i used to work in a small business office and we got a lot of calls) so when I kept getting calls from Discover about my account, which I don't have one, talking about saving me money on my tax refund(and these were in august mind you) I called the number and screamed all sorts of things at them. Turns out it was legit but they had been leaving the messages for the person who'd had my phone number last. You can never be too careful though.  
Date: 9/1/2008 10:27:00 AM  ( From Author ) From Authorid: 47930    so true..it is really scary when it comes to your credit or your identiy (sp) i liked it when i was little and the phone only ran when it was family or friends calling.   
Date: 9/1/2008 10:30:00 AM  From Authorid: 998    Wow, this is a slick scam. The 'bad guys' are just waiting around every corner to try and capitalize on anything we might trust to be true. I have been contacted by phone on two of my debit cards, and one credit card to verify if charges were correct. I can't recall if they asked for the 3 digit verifier number or not, but I could have been duped into giving it to them ... possibly. It just doesn't compute that if THEY have all your info including mailing address ... that THEY might be CROOKS. This is just plain scary, and thank you for the heads up.  
Date: 9/1/2008 10:33:00 AM  From Authorid: 63846    I'll be sure to tell everyone I know.  
Date: 9/1/2008 10:36:00 AM  From Authorid: 21839    I have read this before but forgot all about it.. I actually don't answer my phone unless I know who it is.. thanks for spreading the word...  
Date: 9/1/2008 10:41:00 AM  ( From Author ) From Authorid: 47930    Ginger, i know it is horrible how people come up with all this ideas, cant they work hard like everyone else. just sad cause you know that alot of people are being takenon this.   
Date: 9/1/2008 10:42:00 AM  ( From Author ) From Authorid: 47930    krista and sugar bear thank you for your comments hugs  
Date: 9/1/2008 11:03:00 AM  From Authorid: 998    I know how the bad guys are getting our credit/debit card information. I watched an NBC Dateline investigation on TV about it. There are huge lists compiled by thieves, of literally millions of credit/debit card information strips. It seems that every time you swipe your card in one of the readers (store/gas station) a lot of your data is included from that magnetic strip on the back of your card. Everything from your address to your social security info can be included. Disreputable people can sell your data to crooks, who then resell it at as little as a penny per card, to other crooks. The undercover Dateline story were able to buy names for 5 cents per name, and start charging fraudulent charges to those accounts within a couple of minutes. Very frightening to know how accessible all our private info is.  
Date: 9/1/2008 11:35:00 AM  ( From Author ) From Authorid: 47930    OMG i did not know that...grrrr thank you ginger   
Date: 9/1/2008 12:31:00 PM  From Authorid: 12072    just know that oftentimes credit cards DO call you to ask if you really did make a large purchase, if you're ever in doubt, just tell them you'll call the number on back of the card to verify the charges. And if you do give information (such as the security code, the pin, the card#) always give your card a call to check it out.  
Date: 9/1/2008 12:41:00 PM  From Authorid: 61847    Wow that is good to know. *hugs*  
Date: 9/1/2008 12:42:00 PM  From Authorid: 14754    wow, im going to pass this on to my friends..thanks.  
Date: 9/1/2008 5:32:00 PM  From Authorid: 16865    Ouch! Glad you told us about this. I have heard of it but I am a stubborn customer. I wouldn't even talk to the police over the phone unless I called them LOL.  
Date: 9/1/2008 8:35:00 PM  From Authorid: 63572    I guess there's one way to prevent this and either pay in cash or get a green dot card  
Date: 9/1/2008 11:11:00 PM  From Authorid: 56840    THAT. Is pretty crazy. And scary. I'll tell my folks about it. thanks for informing us about it!  
Date: 9/1/2008 11:50:00 PM  From Authorid: 42945    They try all sorts of tricks, I had a guy call me from the bank I deal with and asked me to verify my account no's etc, I hung up without speaking a word to the guy and rang the bank straight away as we have warnings going over the tv often warning us all to be careful...  
Date: 9/2/2008 1:08:00 AM  From Authorid: 49091    WHOA!!! Thanks for the tip!!!  
Date: 9/2/2008 6:20:00 AM  From Authorid: 63241    Thanks for the warning!!!  
Date: 9/2/2008 10:54:00 AM  From Authorid: 64413    Thanks for the info.... Sage  
Date: 9/3/2008 12:44:00 AM  From Authorid: 40741    Thanks for this, Ill have to tell me mom about it >.<  
Date: 9/3/2008 10:22:00 AM  From Authorid: 19586    That is horrible~!!!!!!!!!!! Release me I am going to do what you did. That is a great idea!  

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