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Discussion Starter #1
My roommate sent me this today...

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> 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 #" 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,
"he needs 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 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 proveyou have
the card. Read me the 3 numbers". 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 bac k 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 charge on 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 scammers
wants 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 direct. 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 mak! e, and by then it's almost to late
and/or harder 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!


The only thin is, the email says to send to everyone you know, so it could just be another attempt to clog up the internet with massive amounts of email traffic. I think in this case it would be better to be safe and send it out to your friends/family.
 

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You know, credit card companies constantly say that they will never ask for that sh!t on the phone, and yet people just give it up as soon as they're asked for it
 

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Discussion Starter #3
Yeah, but I don't know if even I would have thought about it long enough to question this particular one. Asking for the security code probably would have registered in my head as being official. Just glad it didn't happen to me before this, don't know if I would have caught it.
 

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The flag would go up for me because
1) Me giving them the three digits doesn't prove sh!t. I have them memorized already.
2) Why would the card need to be physically in my possession for me to get the credit? And if it's not in my possession at all, why wouldn't I just report it stolen?
 

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Originally posted by Lo Fi Ched@Aug 10 2004, 10:22 AM
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> bank. Did you purchase an Anti-Telemarketing Device for $497.99
from a marketing company based in Arizona?"

Thanks for the heads up. If they were to ask me about the purchase, I'll say "yes" and see how they reply, lol.
 
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