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credit card scam
This might be of interest to the unsuspecting or the gullible or the naive.
Comments ? Have any of you been victimized or been ripped off in other scams? I got this info from a colleague. Here goes: 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 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. 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 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine. It appears that this Is a very active scam, and evidently quite successful. Pass this on to all your family and friends: |
Re: credit card scam
Originally Posted by montreal mike
This might be of interest to the unsuspecting or the gullible or the naive.
Comments ? Have any of you been victimized or been ripped off in other scams? I got this info from a colleague. Here goes: 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 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. 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 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine. It appears that this Is a very active scam, and evidently quite successful. Pass this on to all your family and friends: A leak from an internet company or your bank?? In any case it's more sophisticated than the Nigerian scams of a few years ago. |
Re: credit card scam
[QUOTE=Canada2006]Good gosh - the question remains - how on Earth did they get your CC number expiry date + your contact details in the first place?
A leak from an internet company or your bank?? QUOTE] That part I do not know. But I do know that number on the back of the credit card must be kept secret. When I get my new card, which replaces the expired one, I must phone the CC company and give them this number so as to activate the new card. I myself have never been the victim of CC fraud but I have heard many horror stories. |
Re: credit card scam
[QUOTE=montreal mike]
Originally Posted by Canada2006
Good gosh - the question remains - how on Earth did they get your CC number expiry date + your contact details in the first place?
A leak from an internet company or your bank?? QUOTE] That part I do not know. But I do know that number on the back of the credit card must be kept secret. When I get my new card, which replaces the expired one, I must phone the CC company and give them this number so as to activate the new card. I myself have never been the victim of CC fraud but I have heard many horror stories. Grow up. http://www.snopes.com/crime/warnings/creditcard.asp |
Re: credit card scam
Originally Posted by montreal mike
This might be of interest to the unsuspecting or the gullible or the naive.
Comments ? Have any of you been victimized or been ripped off in other scams? I got this info from a colleague. Here goes: 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 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. 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 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine. It appears that this Is a very active scam, and evidently quite successful. Pass this on to all your family and friends: |
Re: credit card scam
[QUOTE=montreal mike]
Originally Posted by Canada2006
Good gosh - the question remains - how on Earth did they get your CC number expiry date + your contact details in the first place?
A leak from an internet company or your bank?? QUOTE] That part I do not know. But I do know that number on the back of the credit card must be kept secret. When I get my new card, which replaces the expired one, I must phone the CC company and give them this number so as to activate the new card. Ii myself have never been the victim of CC fraud but I have heard many horror stories. |
Re: credit card scam
I have also heard this one before - a couple of years ago. I believe I had a scam phone call on Friday. I had a call from 'Bangladesh' saying they were from MBNA and wanted to offer me a credit card and it would be here in 4-5 weeks.( I am here on a work permit with a SIN# beginning with 9 and my hubby and I find it hard to get credit). So Raj started asking me questions - confirming address/name etc. I got a bit fed up as I couldn't understand a word he was saying and just told him that we would be refused a card due to our SIN#. It was at this point Raj got a bit insistant that I needed a card and it didn't cost anything and Waht iz your name please velly much. I then said - actually I don't want one. Raj was very upset by this and asked me why I didn't want one, he then asked me how you spell your 1st name pleese, I eventually hung up. This could have been a genuine thing but alarm bells started ringing for me when he became insistant and I would rather be safe than sorry.
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Re: credit card scam
I guess by now half the planet has heard of the notorious Nigerian scammers.
Someone, out of the blue, is contacted, is then promised a huge sum for helping move money, then is asked for upfront funds -- ostensibly to get the scheme going. Sadly some have been fleeced as a result of their greed and stupidity. All this is made possible by exchanging emails. Here is a link to a site which pokes fun at these would be scammers by simply playing along with them. There are several episodes and this Mrs. Abacha (see link) just happens to be one. I do not know whether these emails actually transpired but they do make for entertaining reading methinks. http://www.geocities.com/jaccountinf...bachaScam.html |
Re: credit card scam
who needs the scammers? The bl**dy banks here are ripping us off single handed with their charges!!!
SQ |
Re: credit card scam
Originally Posted by Piff Poff
I have also heard this one before - a couple of years ago. I believe I had a scam phone call on Friday. I had a call from 'Bangladesh' saying they were from MBNA and wanted to offer me a credit card and it would be here in 4-5 weeks.( I am here on a work permit with a SIN# beginning with 9 and my hubby and I find it hard to get credit). So Raj started asking me questions - confirming address/name etc. I got a bit fed up as I couldn't understand a word he was saying and just told him that we would be refused a card due to our SIN#. It was at this point Raj got a bit insistant that I needed a card and it didn't cost anything and Waht iz your name please velly much. I then said - actually I don't want one. Raj was very upset by this and asked me why I didn't want one, he then asked me how you spell your 1st name pleese, I eventually hung up. This could have been a genuine thing but alarm bells started ringing for me when he became insistant and I would rather be safe than sorry.
That one's genuine - I worried a bit for a while after my call but I did get an MBNA card!!! |
Re: credit card scam
Originally Posted by TrishB
That one's genuine - I worried a bit for a while after my call but I did get an MBNA card!!!
I don't think so............. :D |
Re: credit card scam
Originally Posted by snowqueen
who needs the scammers? The bl**dy banks here are ripping us off single handed with their charges!!!
SQ |
Re: credit card scam
Originally Posted by iaink
Not mine:)
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Re: credit card scam
Originally Posted by Biiiiink
True, but yours is no good if you leave Canada - and I don't mean the US debit thing I was on about the other week, I learned here that you can't even use a PC Financial card at a foreign ATM :scared: I knew they were no frills, but I didn't realise just how no frills they were ;)
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Re: credit card scam
Originally Posted by tallperson
I literally just got an email offering me a part time job where money would be transferred from customers accounts into my bank account and then when I transferred the money on to the company would keep 8%.
I don't think so............. :D Bizarre..my other half got the EXACT same email in work this afternoon.... |
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