Jurgen-Jm-Imports Posted February 4, 2009 Share Posted February 4, 2009 Please be aware of the latest credit card 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. 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. 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. Quote Link to comment Share on other sites More sharing options...
RedM Posted February 4, 2009 Share Posted February 4, 2009 True but not new. http://www.snopes.com/crime/warnings/creditcard.asp Quote Link to comment Share on other sites More sharing options...
aido Posted February 4, 2009 Share Posted February 4, 2009 You should never give you number out verbally anyway, the genuine banks have systems that can recognise the DTMF tones you punch in while on the phone, saying that though the scammers could easily implement that as well! Glad you got it sorted, I got done years back for loads of American porn that actually for once in my life I had nothing to do with! Quote Link to comment Share on other sites More sharing options...
Soop Dogg Posted February 4, 2009 Share Posted February 4, 2009 Not even new in here... http://www.mkivsupra.net/vbb/showthread.php?t=136667 (Sorry - couldn't resist as I've had that done to me soooo many times before ) Quote Link to comment Share on other sites More sharing options...
adnanshah247 Posted February 4, 2009 Share Posted February 4, 2009 hope these scamming pr*cks get their testicals ripped off and raped in prison every night for 30 years! Quote Link to comment Share on other sites More sharing options...
Jurgen-Jm-Imports Posted February 4, 2009 Author Share Posted February 4, 2009 oh well another reminder wont hurt Quote Link to comment Share on other sites More sharing options...
Mike Posted February 4, 2009 Share Posted February 4, 2009 Am I being thick? how do they have every other detail apart from the cvv? Quote Link to comment Share on other sites More sharing options...
j80leo Posted February 4, 2009 Share Posted February 4, 2009 Thats bad Quote Link to comment Share on other sites More sharing options...
hogmaw Posted February 4, 2009 Share Posted February 4, 2009 Whenever they call about anomalies like this it is always good practice to call your bank or card issuer on a number you know to call them on - after all they could be anyone (and often are). Has happened to me 2 or 3 times these past few years Quote Link to comment Share on other sites More sharing options...
Mcgoo Posted February 5, 2009 Share Posted February 5, 2009 Nice one. I missed the last thread and I'm sure many others would have also. Cheers for the info. Quote Link to comment Share on other sites More sharing options...
Class One Posted February 5, 2009 Share Posted February 5, 2009 A bank will never ask for your CVV or PIN number. Ever. Quote Link to comment Share on other sites More sharing options...
MrRalphMan Posted February 5, 2009 Share Posted February 5, 2009 I've had this with O2 asking for my password during a cold call, well I assume it was them. After giving me all my details, they needed my password for varification.. I said 'No thanks'.. Now I really think it was O2 and I would expect to give the password if calling in, but on a cold call (asking if my new phone was ok), I don't think so.. I think the method used my most banks.. 'Can I have chars 2 & 6 from you password/passcode please' is better as no one has the full password on view. Quote Link to comment Share on other sites More sharing options...
magictorch Posted February 5, 2009 Share Posted February 5, 2009 Thanks for the heads up, Jurgen;) Im new to selling stuff on Ebay and somebody has already tried to scam me....wouldnt of known anything about all the different scams if i hadnt read about them on here:thumbs: Quote Link to comment Share on other sites More sharing options...
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