MasterCard / Visa scam --Important Read

[geoff cotton]

Message


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Credit card scam

Credit card scam. 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.
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. 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.
Please pass this on to all your family and friends. By informing each other,
we protect each other.


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From keyaccounts@waipunahotel.co.nz Fri Apr 27 17:48:58 2007
Content-class: urn:content-classes:message
MIME-Version: 1.0
Content-Type: text/plain; charset="us-ascii"
Subject: RE:
Date: Tue, 7 Mar 2006 08:41:43 +1300
thread-index: AcZBVG088SlUo3RMSw2VMPilwnzftgAAVv4A
From: "Nicky Patchett" <keyaccounts@waipunahotel.co.nz>
To: "MX5List" <mx5list@mx5club.org.nz>
Precedence: list
Message-ID: <S79MqB.A.OEH.ZGZMGB@L733>

That'd be MX5PWR - but how do you spell Alexandra Park cos I couldn't make it
fit (and I worked there for 3 years so unless they changed the name?!#&!!)

Cheers
Nix