New Credit Card Scam?

Subject: WARNING...New Credit Card Scam (not a joke)
> >
> >
> > >
> > > > FYI!
> > > > Please take the time to read this! protect yourself
> > >
> > > > >> > WARNING...New Credit Card Scam. Note, the callers do
> > > >> > not ask for your
> > > >> > card number.
> > > >> >
> > > >> > This information is worth reading. By understanding
> > > >> > how the VISA &
> > > >> > MasterCard Telephone Credit Card Scam works, you'll
> > > >> > be better prepared
> > > >> > to protect yourself.
> > > >> >
> > > >> > 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 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 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 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 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 to 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.
> > > >>
> > > >> _
> >
> >
>



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This is discussed on the Urban Legends Reference Pages along with tips in preventing credit card fraud. http://www.snopes.com/crime/warnings/creditcard.asp

Wow, than this can be true. I had to freeze and get a new Master card when I discovered a $210. charge on my account. It seemed someone charged that amount on my card to pay the Illinois Toll road. This was 2 months ago, the amount is still on my Master card under disputed charges, but that I didn't have to pay it. With MY luck, I will probably end up paying it anyway. That purchase was done by phone. I do hope they truely investigate this thing, even though its a small amount to them, anyway, (I don't even drive the tollway!