A credit card scam going round....

[Micky]

> Read carefully
>
>
>
>
>
> A credit card scam going round....
>
>
> 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 "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 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 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 .

[Emjay]

Thanks for the info Mickey. As a matter of course I sometimes get Mastercard contacting me and I always take a message then call them back on the number on my statement.

Credit card companies will NEVER ask for any pin numbers, security numbers or card details. If they do ask then it's a scam.

Same goes for emails purporting to be from your bank and asking you to go to websites to verify information. The rule here is NEVER CLICK THE LINK they provide you. Always type in manually your internet details directly.

These people are getting more and more devious everyday

[gabriel.oconnell]

thanks for that mickey m8 there is a another scam too people phoning up about sky tv repairs and sky repair protection, thay say you can phone back speak to my supervior, to confirm so just tell them thay hate it no do not discuss anything over phone and put the phone down thay get pisses off with that m8 so beware ok

[90Quattro]

Cheers for that. I will let Jo know so she can punt it around here forums!