Beware of this Credit Card Scam!

This is a discussion on Beware of this Credit Card Scam! within the Off-Topic Discussion forums, part of the Off-Topic Area category; I know this has nothing to do with Droid, but I wanted to share this warning with more people than those in my email address ...


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Thread: Beware of this Credit Card Scam!

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    Beware of this Credit Card Scam!

    I know this has nothing to do with Droid, but I wanted to share this warning with more people than those in my email address book.

    Visa and Master Card Fraud (August 2011)

    Just a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in the Midwest right now and moving acroos the United States. 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:

    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, the charges range from $297-$497, just under the $500 purchase 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. Are 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 they 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. 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 many credit card companies admit this has unfortunately been quite a successful scam
    Last edited by Lane W; 08-13-2011 at 02:43 PM.
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    Never give out any info to unsolicited callers. Ever! You'd think people would've figured that out by now.
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    Thanks for the info..... I personally never have but I could see some people falling into the trap and the elderly

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    I never give out information on calls like this - I make an excuse to get off the phone, then call my card issuer directly to find out if the call was for real.

    Thanks, though, for the info. I'll be passing this one along.

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    Quote Originally Posted by fezrock View Post
    Never give out any info to unsolicited callers. Ever! You'd think people would've figured that out by now.
    You're right most people should know by now not to give anything to anyone over the phone.


    The trick in this scam that I think people fall for is that these crooks somehow obtained people's credit card numbers & can even read it to the person they call. These dirtbags are not trying to get anyone's social security info or any other info (they even somehow have people's addresses) they try to get the 3 digit security code on the back of the card. Having this security code is how they commit this crime

    I sure hope any people that get this call use their freaking brain and don't give out any info (I haven't gotten a call here in NY)
    Last edited by Lane W; 08-13-2011 at 11:58 PM.
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    This is why i shred everything that has my name & any other information that comes in the mail. People will go threw your garbage.

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    Wow, good stuff, thank you for this.

    And always remember to read, read, read, and read some more!

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    Quote Originally Posted by bobxx View Post
    This is why i shred everything that has my name & any other information that comes in the mail. People will go threw your garbage.
    This is the thing to do.
    RudyN
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    Quote Originally Posted by bobxx View Post
    This is why i shred everything that has my name & any other information that comes in the mail. People will go threw your garbage.
    I burn mine lol

    root, roms and themes oh my!

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    While this is a true fraud scenario, it is not currently "making it's way thru the midwest", and there are no confirmed reports by either CC company of it happening. The op is almost a word-for-word repeat of an email that circulated in 2003
    snopes.com: Visa Fraud Investigation Scam

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