Credit Card Scam
New Credit Card Scam
Snopes.Com says this is true. To verify see this site:

http://www.snopes.com/crime/warnings/creditcard.asp

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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. You r 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), 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 - 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
issued20the 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.
Please pass this on to all your family, friends and neighbours. By
informing each other, we protect each other.

Neighbours Helping Neighbours

__________________
Life,
j-angel

aka GP purrie kittie attack cat!


My Little Grow LST'ing w/Hardware

My Outdoor Odyssey 2008 BONSAI MUMS

My Little Grow Indoor To Outdoor 2009

Thanks for the heads up!!

Thank you Jangel,, I know the charge cards or banks or anything like that don't ask certain questions on the phone or on the net, but you know, they just might catch you off guard and all of a sudden you find yourself giving info you know you wouldn't be asked for in the first place,,, Boy I can't afford things for myself, I sure don't need someone else buying what I can't with my money...

__________________

Pretty clever scam though. Get the mark comfortable and relaxed and then fish for the CIV number, at least I think it is called the CIV number. I wonder how they scammers are getting the credit card numbers? They probably work or know someone who has access to customer credit card numbers.

-the Corsican.

__________________
My grow journal: http://www.greenpassion.org/f24/cors...st-grow-15533/

"The only thing necessary for the triumph of evil is for good men to do nothing." - Edmund Burke.

"If at first you don't succeed, it wont hurt to smoke a little weed!"

Here are some common types of fraud and the ways they can happen include:
Someone uses your lost or stolen credit card
Someone applies for a credit card by using your personal information
Your new or replaced card gets stolen before getting it in theemail
Someone uses your credit number to make transactions on the phone or Internet.