Telemarketers beware!!!
RE: New Credit Card Scam could cost U big bucks...unless U Know!
----------------- Bulletin Message -----------------
From: Pan Man
Date: 23 Oct 2008, 14:28
Here is an excellent defense if you are called by one of these assholes!
----------------- Bulletin Message -----------------
From: Msterilinn
Date: Oct 23, 2008 1:07 PM
It's better to be safe, than sorry!!!
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 h as 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 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 and friends. By informing each
other, we protect each other.
----------------- Bulletin Message -----------------
From: Pan Man
Date: 23 Oct 2008, 14:28
----------------- Bulletin Message -----------------
From: Msterilinn
Date: Oct 23, 2008 1:07 PM
It's better to be safe, than sorry!!!
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 h as 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 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 and friends. By informing each
other, we protect each other.
posted by Gandolfo at 10/23/2008
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