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New Credit Card Scam beware

Discussion in 'General Topics & Support Issues' started by Blueribbon, Sep 13, 2005.

  1. Blueribbon

    Blueribbon New Member

    I'm a member on another forum ( GlobalPaw.com ) and ran across this today. It happened to her and her husband. She has given everyone permission to post it else where, so here it is.

    WARNING...New Credit Card Scam.
    > 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.
    > My husband 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 next 3 are
    > the security Numbers that verify you are the pos sessor 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 made short: We made a real fraud report and closed the VISA
    > account. VISA is reissuing us a new number. What the scamm ers 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 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.
    > Please pass this on to all your family and friends. By informing each
    > other, we protect each other.
  2. Maori

    Maori New Member

    Yikes thanks for the infomation
    Wonder if the orig poster got a caller id on the person who called. Put that on my block list and title it spam.
  3. Aqueous

    Aqueous New Member

    It's really sick the lengths people will go to just to get money.

    A lot of these scammers use big names like Visa and MasterCard because a lot of people think that since's it's a large company it's safe to give your information if someone says thair calling from Visa or MC.

    Actually just last night I was watching a news segment on donating for the Katrina relief and they were showing how people are making bogus website and writing e-mails "on behalf" of the red cross and when you go to donate online the funds are actually going to a personal paypal acount.
  4. Chessmind

    Chessmind New Member

    Thank you for this info. :y_the_best:
  5. sunset05

    sunset05 New Member

    That is good to know.

    We had a similar call a few months back but it was legitimate. They didn't ask for any numbers and things were straightened out.

    But if it had been a fraud, we probably wouldn't have known and gave them what they wanted to know. Thanks for the heads-up.
  6. lucidity03

    lucidity03 New Member

    Thanks for the warning. We probably all know not to give out a CC number to someone calling and asking for it. But, when they simply want to know that 3-digit security code (and sound so legit), many of us would probably think it's ok.
  7. Killerbee2

    Killerbee2 New Member

    So, Know i know why and how so many peoplse get scammed! 8)


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