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Credit card scam (rec’d from a reader – unconfirmed)
My husband was called on Wednesday from "VISA", and I was called on Thursday
from "MasterCard".
It worked 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-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". Caller continues... "I will be starting a Fraud investigation. If
you have any questions, you should call the 800 number listed on your card
1-800-VISA and ask for Security. You will need to refer to this Control #" (Then
gives you a 6 digit number). "Do you need me to read it again?"
(Caller then "needs to verify you are in possession of your card). Turn card
over. There are 7 numbers; 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". Then says "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? Don't hesitate to call back if you do.
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 put 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 scam wants is the 3-digit PIN number. By the time you get your
statement, you think the credit is coming, and then it's harder to actually file
a fraud report. The real VISA reinforced that they will never ask for anything
on the card as they already know the information!
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.
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