I was called about this two months ago and refused to give my security code. I also canceled my debit card and got a new number. It is scary when someone has your exact card number. Jesse Smith
Man they are
getting slick!!!
New Credit Card
Scam
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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 & Master Card 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: Caller: '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 ?'
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), i s 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. PAN>
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 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.
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