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Old 01-03-2011, 01:21 PM   #1
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Credit card Fraud Warning

Pleas DO NOT move this to the off-topic section, everyone needs to read this, because it is happening now.

VISA / MasterCard FRAUD

Just a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in southern Alberta right now and moving.

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'.
Ihe 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 last 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 last 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 were 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. 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 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine.
It appears that this Is a very active scam, and evidently quite successful.

Pass this on to all your family and friends
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Old 01-03-2011, 01:29 PM   #2
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thanks for the heads up!
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Old 01-03-2011, 01:34 PM   #3
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thanks
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Old 01-03-2011, 01:35 PM   #4
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This is old news. This email has been going around for years. Yes, it happens. However, people should know by now not to give any numbers from your cards.

http://www.snopes.com/crime/warnings/creditcard.asp
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Old 01-03-2011, 01:44 PM   #5
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Quote:
Originally Posted by Michelle42780 View Post
This is old news. This email has been going around for years. Yes, it happens. However, people should know by now not to give any numbers from your cards.

http://www.snopes.com/crime/warnings/creditcard.asp
Thanks for the update, even if this is old news to you, some of our members maybe unaware.
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Old 01-03-2011, 01:54 PM   #6
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Some think this is a scam itself.

Your asked to forward it to all your friends/contacts and then they track you with a cookie.
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Old 01-03-2011, 01:57 PM   #7
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these scams are always very basic and easy to see through. I don't think people need a warning, just need to use common sense.
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Old 01-03-2011, 02:01 PM   #8
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Originally Posted by Entaille View Post
these scams are always very basic and easy to see through. I don't think people need a warning, just need to use common sense.
Therein lies the problem. Laws and warning labels are to protect the people who lack common sense.
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Last edited by Michelle42780; 01-03-2011 at 02:58 PM.
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Old 01-03-2011, 02:47 PM   #9
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Quote:
Originally Posted by OUR72GTO View Post
Some think this is a scam itself.

Your asked to forward it to all your friends/contacts and then they track you with a cookie.

Thats how they spread those nasty worm / zombie viruses.

As guliable people will forward emails like that all over the world.

As it looks to be a helpful email at first glance and people fall for it hook line and sinker. Just like they do for the real scam.
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Old 01-03-2011, 07:17 PM   #10
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Thanks for the heads up, but I see the moderators didn't abide by your request and moved your post to another section.
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Old 01-03-2011, 07:21 PM   #11
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Sorry, but no way I would get scammed with this con. I dare some SOB to try this crap with me. There are red flags everywhere with this scam.
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Old 01-03-2011, 09:11 PM   #12
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Quote:
Originally Posted by 74 Camaro LT View Post
Pleas DO NOT move this to the off-topic section, everyone needs to read this, because it is happening now.

VISA / MasterCard FRAUD

Just a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in southern Alberta right now and moving.

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'.
Ihe 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 last 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 last 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 were 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. 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 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine.
It appears that this Is a very active scam, and evidently quite successful.

Pass this on to all your family and friends
Thanks so much for the infor. and takeing the time to let everyone know. I had something like that happen to me instead of talking to them I called my bank and they told me it was a scam.
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Old 01-05-2011, 03:39 AM   #13
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Originally Posted by BackinBlackSS/RS View Post
Sorry, but no way I would get scammed with this con. I dare some SOB to try this crap with me. There are red flags everywhere with this scam.
It couldn't happen to me. I hang up on Visa ANYWAY. If they are calling me about fraudulent activity, the card won't work anyway. My cards all reject or decline the card if there is a flag.
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