This was posted to an investment Listserv to which I belong a couple of months ago:
The following really happened to some friends. Please stay on the alert!
Subject: Credit Card Scam ~ here's a doozie...
"We all receive emails all the time regarding one scam or another; but last
week I REALLY DID get scammed! Both VISA and MasterCard told me that this
scam is currently being worked throughout the Midwest, with some variance as
to the product or amount, and if you are called, just hang up.
My husband was called on Wednesday from "VISA" and I was called in Thursday
from "MasterCard." It worked like this: Person calling says, "This is Carl
Patterson 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 issued by
5/3 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 800 number
listed on your card (1-800-VISA) and ask for Security. You will need to refer
to this Control #". Then he gives you a 6 digit number. "Do you need me to
read it again?" Caller then says he "needs to verify you are in possession of
your card. Turn the card over. There are 7 numbers; first 4 are 1234
(whatever), 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 he
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 dept.
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 as a new number. What the scam wants is the 3 digit
number and that once the charge goes through, they keep charging every few
days. By the time you get your statement, you think the credit is coming, and
then its harder to actually file a fraud report. The real VISA reinforced
that they will never ask for anything on the card (they already know).
What makes this more remarkable is that on Thursday, I got a call from "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), and they said they are
taking several of these reports daily and to tell friends, relatives and
-- Dave K.
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