[ SHOWGSD-L ] New Credit Card Scam - OT
- From: Stephen Reierstad <wmj1944@xxxxxxxxx>
- To: Showgsd-l <showgsd-l@xxxxxxxxxxxxx>
- Date: Fri, 17 Feb 2006 17:52:36 -0800 (PST)
Looks like a new twist on an old scam.
Subject: WARNING...New Credit Card Scam
Importance: High
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 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 made 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 to 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.
David James, Commissioner
Office of the Attorney General
Kentucky Bureau of Investigation
1024 Capital Center Complex
Frankfort,KY 40601
Office:502-696-5367
Fax: 502-573-8319
Visit Two Feathers German Shepherds online at http://www.wmj1944.com
Website updated 1/28/2006.
"If you invite the Wolf to Dinner, then don't get mad when he eats something."
- Unknown
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