Credit Card Fraud

pornstar IRL

ALLEGED CREDIT CARD SCAM WHICH MAY BE IN CIRCULATION - BEWARE
> This mail came from the Financial Regulators Office


______________________________________________________________________
> 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.
>
> 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 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.
>
> 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.>[/FONT][/COLOR][/COLOR][/FONT]

ImDave

wow, just goes to show how careful you must be with these sort of things.

thefinalstage

Seriously, people have to remember the rules of phone calls like these. Call the company yourself before you say anything! At least than you know its them.

oleras

pornstar IRL wrote: »

> ALLEGED CREDIT CARD SCAM WHICH MAY BE IN CIRCULATION - BEWARE
> This mail came from the Financial Regulators Office


______________________________________________________________________
> 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.
>
> 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 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.
>
> 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.>[/FONT][/COLOR][/COLOR][/FONT]

Sounds to me like chain mail crapola.

if someone has my name, address and card number, they dont need the security code to hit my account, and hit it hard !

luckat

I thought it was chain mail crapola too when I first saw it, but Snopes has it as genuine, rather than an urban legend.

BuffyBot

It's plausible and *could* be done, but this actual mail is just chain mail and comes from no official source such as "Financial Regulator". It seems do be having a resurgancy at the moment.

lynchie

Usually get this email at least once a year.. Think it was already posted on boards last week..

anyway.. any idiot who would give visa / mastercard their ccv number deserves to be scammed.. These companies issue these cards and they know the ccv number assigned to each card so WHY would they ask for it!!

BeansMeansHynes

Yeah the rule of thumb is never EVER give out your credit card or bank details over the phone to people who ring you saying they are from your credit card company etc. or reply to emails asking you to put in your bank details and pin numbers.

dudara

Whatever about the email's origins, it should remind us to be careful with our credit card details.

Take heed people.

Hitchhiker's Guide to...

chain mail