[Wichita-SCCA] Possible Credit Card Scam

[Greg Laws]

Thanks!  I've alerted my entire extended family.  

Greg Laws
  ----- Original Message ----- 
  From: Guy Roberts 
  To: Wichita Region SCCA. 
  Sent: Wednesday, April 11, 2007 3:16 PM
  Subject: [Wichita-SCCA] Possible Credit Card Scam


  Be careful, this is a new scam going on.  Please read.  

  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 "Master Card". 

  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 ve rify y ou 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 reissuin g 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 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 Master Card" 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! Th ey als o 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 



-- 
Guy Roberts 
groberts at kiphs.com 

There are three kinds of people on the world -- those that can count,  and those that can't.-- 
Guy Roberts 
groberts at kiphs.com 

There are three kinds of people on the world -- those that can count,  and those that can't.


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