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 Post subject: New credit card scam!!!
PostPosted: Tue Jul 02, 2013 9:35 am 

Joined: Sat Feb 16, 2013 5:28 pm
Posts: 624
Location: St. Charles County, Mo.
Not sure where to put this, NOT a joke. True story, verified by snopes (www.snopes,com).


I just received this latest credit card scam alert and thought is best to pass it on. Please read below, keep going to the bottom almost.
Please pass it on to all your friends, co-workers and family. There was a report from ABC news in Denver a couple of days ago regarding this same scam.
This is a heads up for everyone regarding the latest in Credit Card fraud.
Royal Bank of Wisconsin received this communication about the newest scam.
This is happening in the Midwest right now and moving. Please pass to your folks.
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 'MasterCard'.
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 last 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 last 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. We were 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. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the Scammer wants 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 Scammer 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 MasterCard' 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain, and so on through the above routine..
It appears that this Is a very active scam, and evidently quite successful..
Please pass to anyone that you can think of that may benefit from this information

PostPosted: Tue Jul 02, 2013 9:40 am 
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Joined: Fri Feb 08, 2013 10:22 am
Posts: 1757
Location: Missouri, Rolla
I'd probably just put this in the Free For All section.

PostPosted: Tue Jul 02, 2013 9:51 am 
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Joined: Fri Feb 08, 2013 4:49 pm
Posts: 1882
Location: Toledo, Iowa USA
Yup, that scam has been around a while, but good to bump it up again. I had a call recently from a reputable firm asking only for that number. The call came on a Sunday from a guy with a thick accent. Thinking it might be a scam I called the company back at the phone number on my statement and the firm confirmed the issue and that his call was legitimate. I did mention to them my suspicions, Sunday call, very poor English and asking only for those three numbers. The very nice lady on the other end spent quite a bit of time with me and said they would review their policies so as to not come across as a scam. I did change the card that my monthly bill is paid from just in case the first caller was making some money on the side.

Doug, formerly known as IowaEagle.
"You gotta know the basics before you do the mods."
"I was in to AMC's before AMC's were cool."

1970 Ambassador SST 2 dr Hard Top Coupe
1980 Concord DL 4 dr
1982 Eagle SX/4 Sport

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