[nfbwatlk] fw: fraud al}t
amcanfield at comcast.net
Wed Apr 8 20:11:40 UTC 2009
I thought y'all would find this information useful.
From: fuisce_jim at comcast.net
Sent: Wednesday, April 08, 2009 11:57 AM
To: Alco <amcanfield at comcast.net>; lornec48 at comcast.net
Subject: fraud alert
> > > VISA FRAUD
> > >
> > > Just a heads up for everyone regarding the latest in Visa fraud. Royal
> > > Bank received this communication about the newest scam.
> > > This is happening in southern Alberta right now and moving.
> > >
> > > This one is pretty slick since they provide YOU with all the
> > > information, except the one piece they want..
> > > Note, the callers do not ask for your card number; they already have
> > >
> > > 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 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 last 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 last 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 were 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. 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 too late and/or more difficult to actually file a fraud report
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