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Subj: Credit card phone scam
>>> Allan Cole 26/01/2006 13:56 >>>
All, I am sorry to send yet another email but the below latest telephone
scam involving alleged credit card usage is very fresh and therefore many of
us and the public are likely to be taken in. Please read this and
familiarise your self in order that you can educate, your family, friends
and public.
PLEASE COULD I REQUEST THAT CRIME REDUCTION COMMUNITY SAFETY, PRESS OFFICERS
AND ANYONE ELSE WITH LINKS TO OTHER AGENCIES PASS THIS ON AS PREVENTION IS
GOING TO BE MUCH BETTER THAN INVESTIGATION !
This is worth knowing.
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". Note, the callers do not ask for your card
number; they already have it.
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 that was issued by (name of bank). Did you
purchase an Anti-Telemarketing Device for #249.99 from a Marketing company
based in (name of any town or city)?" 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 #150 to #249, just under
the #250 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 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 #249.99 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 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."
Ernie Cole (A.K Cole)
Intelligence Officer Suffolk FIB
Tel. 01473 613616
Mob. 07764 165526
E.mail Allan.Cole@suffolk.pnn.police.uk
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