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332 Posts
Discussion Starter · #1 ·
WARNING .. New 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
and 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 reply "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?"

NOW HERE'S THE IMPORTANT PART of how the scam works. The caller
then says, "I need to verify you are in possession of your card". He will
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, but 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 will 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 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 to late and
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.

883 Posts
How did they get your 16 digit credit card number in the 1st place????????????

I'm disinclined to acquiesce your request.
36,411 Posts
Good info,I will pass it along..

Just a quick question to anyone that knows,I've been asked for that same 3 digit number when ordering things on-line/mail order,am I opening myself up to scammers too????? Please tell me someone else has been asked for their 3 digit number????????????

332 Posts
Discussion Starter · #5 ·
The information came from an email that was sent to me. I have been asked for the 3-digit number also, especially when buying things online. I think the 3-digit number is there really for the protection of the retailer, I wouldn't think that would be a scam.

182 Posts
I run a wholesale operation and take orders over the phone from customers and i never ask or need the 3 digit numbers on the back of the card. I would have to guess it depends on the terminal you are using to run the card if you need it or not.

883 Posts
MURDOG said:
How did they get your 16 digit credit card number in the 1st place????????????
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