January 14, 2009 at 7:45 pm #62908
E mail I was sent
Be aware and pass on to your friends and family. Be alert. Latest credit card scam.
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 another was called on Friday 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 London?” 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 applied to your account. I just need to confirm your address (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 number listed on the back of your card and ask for the Security & Fraud Department. 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, 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 Friday, 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.January 14, 2009 at 8:21 pm #111044AnonymousGuest
buggers arent they >:( thanks JacquiJanuary 14, 2009 at 8:23 pm #111045
[quote author=jaydex link=topic=13460.msg257687#msg257687 date=1231964475]
buggers arent they >:( thanks Jacqui
Scary how easily you can be conned 😮 😮January 14, 2009 at 8:26 pm #111046AnonymousGuest
yep very :scared: Debs had her account cleared out AGAIN today!!! >:(January 14, 2009 at 8:29 pm #111047
[quote author=jaydex link=topic=13460.msg257699#msg257699 date=1231964818]
yep very :scared: Debs had her account cleared out AGAIN today!!! >:(
Oh no 😮 how? what happened?January 14, 2009 at 8:37 pm #111048*Nat*Member
Thanks Jacqui, nothings sacred is it >:(
I guess one advantage to being skint is that I have no money for anyone to try and clear my account ;D Joke apart though, hope Debs gets her money back >:(January 14, 2009 at 9:35 pm #111049AnonymousGuest
She will 🙂 just spoke to her to find out what happened , cos all I got was Debs has had her bank account done again, at school, but apparently it was the banks fault!!!
Someone there has been transferring money into another account, possibly by mistake :-\ over a few days then yesterday they took fthe rest of it quite a bit too money her grandad had left her, so the are checking who did the transfers etc, she a creature of habit with her bank goes twice a week same day each week, this was done on a day when she at school all day, so they know it wasnt her. said they will put money back and do an investigation, blimey if you cant trust your bank who can you trust!January 15, 2009 at 8:42 am #111050Kerry_and_BeauMember
one of our local banks had a woman that stole about £100,000 or more from old people, she just took money from their accounts then took money from another and put it back into that one and just kept shifting money about stealing as she went along she apprently kept excellent records of all the transactions she did…not sure if she is actually going to jail or not and she hasn’t repaid the money…they never said if the bank would reimburse the people but i presume thats something they are insured against?
hate the climate we live in 🙁
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