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January 10, 2006

New Credit Card Scam

Craig sent this along.

I don't know if this is real or not...

It's a real scam, according to Snopes. (Thanks to Sean for that.)


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. 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 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 that you are actually 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 your Card number.

But after we were called on Wednesday, we called back within 20 minutes to
ask a question. Are we're glad we did! The actual 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.

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.

...

So, this is real. Figures. The one thing sent to me I think twice about, and even consider searching for on Snopes, is real.

The rest of the crap -- the complete bullshit -- I post without a second thought.

digg this
posted by Ace at 10:33 PM

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