>VISA & MASTERCARD Telephone Credit Card Scam > > > > This information is worth reading. By understanding how the VISA & > > Mastercard Telephone Credit Card Scam works, you'll be better prepared > > to protect yourself. Thanks to Dr. Pat Cloney for passing this on. > > Those con artists get more creative every day. > > > > My husband 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> bank. Did you purchase an Anti-Telemarke ting 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 #" > > 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, "he needs 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 your card number, the next 3 are > > the 'Security Numbers' that verify you are in possession of the > > card. These are the numbers you use to make Internet purchases > > to prove you have the card. Read me the 3 numbers". 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 minute s 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 charge on on our card. > > > > Long story made short, we made a real fraud report and closed the VISA > > card, and they are reissuing us a new number. What the scammers wants > > 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 direct. 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/or harder 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 friends. By informing each other, we > > protect each other.