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New Card Scam?
DickDastardly_2
Posts: 177 Forumite
in Credit cards
I have been sent an email detailing a scam that sounds very plausible, so be alert!
"
Scam!
This one is pretty slick since they provide Y O U 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 MasterCard 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 . Please pass this on to all your family and friends. By informing each other, we protect each other."
"
Scam!
This one is pretty slick since they provide Y O U 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 MasterCard 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 . Please pass this on to all your family and friends. By informing each other, we protect each other."
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Comments
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This one's been going round for a long time......
UNDERGROUND
This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
No, not a new card scam. Not even an old card scam. I'm sure I've heard about it on some web site thingy. Let me think...
http://forums.moneysavingexpert.com/showthread.html?t=627061
etc &0 -
Oh. How embarrased am I??:o0
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There's another scam I heard of the other day - apparently a man will stand next to the ATM and after you've withdrawn your cash he will say "I am your wallet, place your money in my pocket" - BE WARNED - he is NOT your wallet - be careful people.
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Just recieved this email:
Scam Alert!!!
If a man comes to your door & says he is doing a survey and needs to see your boobs don't show him your boobs, it's a scam - he only wants to see your boobs!
I wish i had gotten this email sooner - i feel so stupid! :rotfl:0 -
DickDastardly wrote: »Oh. How embarrased am I??:o
I hope you are going to email the person who sent you this "warning" telling them the whole thing is an urban myth. Also ask them to pass on your email back down the line to all the other people who have blindly forwarded the email without checking their facts. My copy of this particular email had 65 addresses on it. That's how it spreads so quickly.What part of "A whop bop-a-lu a whop bam boo" don't you understand?0 -
If you do as these people ask and "forward this warning to everyone you know", then your email address will end up in the hands of thousands of people who are "friends of friends of friends of..." . In other words - thousands of people you don't know. Eventually someone will use you address, and all your friends', to send you lots of spam. I just checked my spam filter, and I've had 125 messages in 5 days.
Do not forward scam warnings, jokes, cute pictures or anything else to "everyone you know", and ask your friends to leave you off theirs. (Unless you like getting spam.)0 -
Just recieved this email:
If a man comes to your door & says he is doing a survey and needs to see your boobs don't show him your boobs, it's a scam - he only wants to see your boobs!
I've fallen for this one lots of times. The men in my area tend to only do their surveys in cheesy nightclubs.:DPlease continue to hold the line. Your call is very important to us and will be answered by next available robot...0 -
I haven't heard of this one yet, but I make a lot of online purchases and get real fraud department calls all the time.
They always list several purchases for you (not just on) and ask you to verify them and they don't ask for any card #'s0 -
Man came to my door and promised Gold for £500. Not seen him since I emptied my wallet.0
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