Taken from www.airgunbbs.com
Hi all,
Received this mail from a friend,worth reading.
CREDIT CARD FRAUD: IMPORTANT - PLEASE READ
Quote: 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.
Anyone seen 'Matchstick Men' with Nicholas Cage?
They do a very similar scam, pretending to be the fraud department and asking for the bank details so they can repay the amount.
Also the fake company uses value from around $100 to $300 which is 'under the banks auto tracking amount'
quote:
Originally posted by greggors84
Anyone seen 'Matchstick Men' with Nicholas Cage?
They do a very similar scam, pretending to be the fraud department and asking for the bank details so they can repay the amount.
Also the fake company uses value from around $100 to $300 which is 'under the banks auto tracking amount'
Thanks for the info, curious as to how they already have your card number and home address though?
Col
Could get details from hacking some badly protected/designed e-shop.
The warning reads like a hoax so I checked on snopes, they have it down as quite possible and has probably occured - first reported in 2003 (compare
the text 
) isn't new.
http://www.snopes.com/crime/warnings/creditcard.asp
[Edited on 25/1/06 by iank]
When I bought my Kit at luego and paid the £1800 ballance, I got a call on my mobile saying it was the credit card company, and they were tracking an
abnormal transaction, (due to the total of £1800).
I rejected the call, and called The company on the number on my card, They confirmed it was genuine.
There is ONLY one Rule:
NEVER believe ANYONE who Rings YOU.
You should ring the company back using the number on the card, NOT the number the caller gives you!.
They do not mind if its genuine. Scammers wont like it as they have then failed.
I have had several checkup calls like this, and its reassuring to call the company to find its all OK.
However, this tactic is a good one. I NEVER GIVE OUT my name, details or numbers to anyone who says they are from the Credit Card Co, or Banks etc.
I Always CALL THEM BACK.
Its the only way to be sure.
Same goes for Cold sellers on the phone, ie double glazing etc.
Are you the homeowner?... NONE of their business!! Tell them NOTHING. Its all information they can use to build up a picture of you and when they have
enough info they can hit your wallet or bank account.
The only downside, is you pay the cost of the call... So whats it worth.... Loose 50p in a call, or £250 from your bank account.... You choose
Mums the word eh?
I'm with geoff on this one too,i never give out any info whatsoever,in fact i usually end up endine the call within 10 secs even if they say its my credit card co or mobile phone operator.
a year ago i had BT ring me and ask for credit card details to pay an overdue bill. I was thinking, if I am asked for the three digit code as well, im
gonna put the phone down as this could be anyone. They did, and I did. I had the card cancelled and a new one issued.
Prob was it really was BT - but how exactly are you to know?
atb
steve
quote:
Originally posted by steve_gus
a year ago i had BT ring me and ask for credit card details to pay an overdue bill. I was thinking, if I am asked for the three digit code as well, im gonna put the phone down as this could be anyone. They did, and I did. I had the card cancelled and a new one issued.
Prob was it really was BT - but how exactly are you to know?
atb
steve
couldnt do that.
Who exactly do you ring in an army of teleoperators at BT to ask 'did you just call me' ? And how many mins would I be waiting in a call
queue whilst someone was shagging my card?
I didnt have the bill to hand, (with contact info for BT payments) and didnt know the number to ring back - dialling 1471 would have just got the
'false caller back'.
Faced with thinking that someone was just about to make a purchase in minutes on my card, the safest thing was to cancel the card right away, and
trace where the call had come from afterwards.
By the time id found a number for bt payments and called them, it would have all been over. So i used the number on the back of the visa card to do an
immediate cancel - it was the safest way.
atb
steve
[Edited on 25/1/06 by steve_gus]
hi, just received this con
bought new mobile phone
they said they were my insurance for o2
and would do me a special !!
wanted all my details and didn't even know what phone i had !
so after giving them my full name address and phones imei number
they wanted my credit card details !
then i thought sure i read this on locost site !
so told him why you need my credit card as my insurance is paid for via my phone bill !!
data act he replied !
told him not got it on me !
so hes ringing me tomorrow !
so i the phoned o2 explained what a prat i was,
changed all my details and passwords (in case he tries to claim )
so be warned 
that could be legit - just like my phone bill was.
atb
steve
no phoned o2 and they said they don't know of any offer!
then checked the phone call (that i received)
and told me i had to change passwords and also report it to the police ,
also i asked the bloke who phoned me for his name which was john Thomas
and asked for his phone number or ext and he said just phone up o2 and ask for the insurance and i would get him !
but wouldn't give me a number
[Edited on 30/1/06 by ch1ll1]
I actually had an MD called 'john thomas' once. And a few more that were, but were not, if you see what I mean
atb
steve
quote:
Originally posted by ch1ll1
no phoned o2 and they said they don't know of any offer!
then checked the phone call (that i received)
and told me i had to change passwords and also report it to the police ,
also i asked the bloke who phoned me for his name which was john Thomas
and asked for his phone number or ext and he said just phone up o2 and ask for the insurance and i would get him !
but wouldn't give me a number
[Edited on 30/1/06 by ch1ll1]