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#391110 - 25th Feb 2010 10:26am VISA & MasterCard Telephone Credit Card Scam
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21085
Loc: Wirral
WILTSHIRE POLICE Keeping you informed

Swindon Police Station Gablecross Shrivenham Road South Marston Swindon Wiltshire SN3 4RB Telephone: 0845 408 7000
Swindon Crime Reduction Department Date: 2nd October 2009

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 was 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 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 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 or 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 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 .
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#391121 - 25th Feb 2010 11:17am Re: VISA & MasterCard Telephone Credit Card Scam [Re: Mark]
Shadow_Omega Offline

Wise One

Registered: 29th Apr 2009
Posts: 871
Loc: Leasowe
do the scammers have a network of any sorts? if so i think i can work my "magic" on it and shut it down permanantly.


Edited by Shadow_Omega (25th Feb 2010 11:20am)

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#391213 - 25th Feb 2010 1:58pm Re: VISA & MasterCard Telephone Credit Card Scam [Re: Shadow_Omega]
little_pob Offline
Smartchild

Registered: 30th May 2008
Posts: 444
Loc: Upton
Makes a change for a chain email to actually be true/possible: http://www.snopes.com/crime/warnings/creditcard.asp

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#391236 - 25th Feb 2010 3:41pm Re: VISA & MasterCard Telephone Credit Card Scam [Re: little_pob]
scoops Offline
Smartchild

Registered: 27th Oct 2008
Posts: 531
Loc: Lurking
Funny how it's almost word for word identical to the one on snopes though smirk
So it's a scam that's possible but it's highly unlikely that it's a genuine warning as opposed to a chainmail.
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#391303 - 25th Feb 2010 7:15pm Re: VISA & MasterCard Telephone Credit Card Scam [Re: scoops]
diggingdeeper Offline

Wiki Master

Registered: 9th Jul 2008
Posts: 10797
Loc: Birkenhead
If they have your phone number, card number, bank name, address and name then there would be a good chance they would already have your CVV as this must have ripped from a previous transaction to tie all those pieces of information together (or the bank).

Note:- the number on the back of the card is the CVV not the PIN number.

I'll put that down as chainmail.

Have you ever tried to phone someone back when you know their name and extension number in any corporate establishment, while it sounds like good advice I have never found it achievable, scam or otherwise.
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