[access-uk] Re: Creditcard scam
- From: "Barry Hill" <bbinc@xxxxxxxxxxxxx>
- To: <access-uk@xxxxxxxxxxxxx>
- Date: Wed, 4 Feb 2009 16:54:18 -0000
Hi Peter and all
I had a quick look on the net about this and found the following on
http://www.hoax-slayer.com/card-security-code-scam.html
This warning message has now been circulating in several countries for a
number of years. In spite of this, at the time of writing, I can still find
no reliable reports that described actual occurrences of this particular
scam. Moreover, it should be noted that there are now several versions of
the message, each with different details. Thus, the specific incidents
described in these messages may well be anecdotal. As is common with email
warnings of this nature, there is no way of confirming if the specific
events outlined in the messages actually occurred or were simply made up as
a way of embellishing the scam warning to emphasize its key points.
It also should be noted that phone-based credit card fraud is nothing new
and does not only involve CVV2/CVC2 security codes. Phone based credit card
scams have been around for a long time. While the CVV2/CVC2 ruse may be a
new twist, fraudsters have long tried to glean credit card details from
victims by making unsolicited phone calls and misrepresenting themselves as
company staff members or law enforcement officials. Cardholders should be
very wary of giving any information at all about their account in response
to an unsolicited phone call. As with email-based phishing, scammers may
call the potential victim and claim that the security of an account has been
compromised and request credit card and banking details, ostensibly to
"verify" the account. Alternatively, phone scammers may quote the partial
credit card number often recorded on a sales docket and ask the victim to
provide the missing digits as "verification". And scammers may obtain credit
card details by posing as telemarketers.
Although the specific CVV2/CVC2 scam described may not occur as often as
implied, the advice in the message is nevertheless worth heeding.
Cheers
Barry
-----Original Message-----
From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of
Peter Beasley
Sent: 04 February 2009 4:28 PM
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Creditcard scam
I received this from another list but thoughtpeople on here should be made
aware of it. Please be aware of the latest credit card scam, sent to me
by one of our
senior partners,
so it's happening locally!!:
This one is pretty slick since they provide Y O U 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
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 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 0800 number listed on the
back of your card (0800-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 MasterCard 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
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