Warning – a new credit card scam

WarningCaroline Peacock writes:

“The Durham branch of the National Association of Retired Police Officers is circulating this advice about a current credit-card scam.”

DARPOFrom: Durham NARPO [mailto:durhamnarpo@gmail.com] Durham
Sent: Monday, November 22, 2010 1:40 PM
To: Durham NARPO Blog
Subject: Credit Card Scam – Please Beware…

Please read the text below – I have contacted Wiltshire Police and they have confirmed that they are aware of this email and that the content is correct.

“WILTSHIRE POLICE  Keeping you informed

Swindon Police Station Gablecross  Shrivenham Road  South Marston
Swindon,Wiltshire SN3 4RB  Telephone:  0845 408 7000.

Hi all,
This has been passed on via another Force area through our own Fraud Department In Wiltshire Constabulary, and it is a very convincing SCAM.
We have been asked to disseminate the information as widely and as quickly as we can through Neighbourhood Watch, School Safe and others.

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 it. 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 Fruad 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 London ?”  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 0800 number listed on the back of your card (0800-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 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 £497.99 was charged to our card. Long story – 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 MasterCard 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.

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 Ididn’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.”

To keep ‘up to date’ with the Latest News from Durham NARPO visit : www.durhamnarpo.com

Print Friendly
This entry was posted in News and tagged , . Bookmark the permalink.

One Response to Warning – a new credit card scam

  1. Mike says:

    This is a hoax!

    It is NOT possible to gain the use of a credit or debit card simply by use of the last three numbers of the security code.
    See http://www.easykey.net/hoaxes-and-bogus-warnings/visa-fraud-my-badge-number-is-12460

Leave a Reply to Mike Cancel reply

Your email address will not be published. Required fields are marked *