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post #1 of 14 (permalink) Old 01-07-2005, 04:22 AM Thread Starter
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Exclamation VISA/Mastercard Scam Alert

I got this in an email from me mum & figured I'd pass it along


This information is worth reading. By understanding how the VISA & Mastercard Telephone Credit Card Scam works, you'll be better prepared to protect yourself. Thanks to Dr. Pat Cloney for passing this on. Those con artists get more creative every day. My husband was called on Wednesday from "VISA", and I was called on Thursday from "MasterCard". The scam works like this: Person calling says, "this is _______, 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 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 prove you 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 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 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 (VISA/MC) will never ask for anything on the card as they already know the information since 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 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 and 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 friends. By informing each other, we protect each other. Thank You.

+1

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post #2 of 14 (permalink) Old 01-07-2005, 04:29 AM
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Interesting. I'll make sure my parents know. We're never home during the day anyway, although sometimes I am, but I'm usually asleep.

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post #3 of 14 (permalink) Old 01-07-2005, 09:47 AM
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Thanks for the information! I wish the laws regarding scams could be toughened. As always, the criminal mind evaluates the potential risk and return, and judging from its popularity, it seems that they don't see much downside to this type of crime. Why not throw a few in jail for life and see how many more step up to the plate? (And I mean the northern ice floe prison, not the country clubs we seem to favour these days).
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post #4 of 14 (permalink) Old 01-07-2005, 10:11 AM
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no chance

Gotta have one to get scammed.

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post #5 of 14 (permalink) Old 01-09-2005, 01:25 AM
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I had $1000 taken out of my bank account from one of those PayPal e-mails. I saw that it was actually from (whatever it was)@paypal.com and figured it has to be real to be sent from that e-mail address. They ended up taking out $1000, but I was reimbursed $900 (since I missed the other time when they took out $100) and I didn't pay any fees. I thank my bank for that!

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post #6 of 14 (permalink) Old 01-11-2005, 11:56 PM
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How do they do anything with just those 3 numbers?

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post #7 of 14 (permalink) Old 01-12-2005, 12:45 AM
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PayPal is an easy one. They will tell you time and time again that they will NEVER fail to address you BY NAME in an e-mail. I get fake PP emails all the time to "Valued PayPal user..." or some such nonsense. I also get valid emails from PayPal that are addressed to Bill Wheeler or the Thunderbird and Cougar Club of America. NO question.

Also, the links in these may *look* real, but in actuality, they go someplace completely different that has essentially stolen the layout of PP's site. If there's EVER a question, go to PayPal.com directly and if they really have an issue, they'll note it on your account.

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post #8 of 14 (permalink) Old 01-13-2005, 01:56 PM
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Ya, that's how they got me, on the PayPal one, I believe.

They get your credit card number, then the 3 security numbers. Also, maybe they already know your credit card number, just not your security numbers.

Benjamin' 07/30/82 Christian MySpace CarDomain
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post #9 of 14 (permalink) Old 01-13-2005, 02:28 PM
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I get a ton of these emails per day, but I've never received a phone call.

Good rule of thumb, if anyone asks you for any personal information, you don't give it to them.

If you call the bank, then you can give them info, but a bank will Never call you asking for info.

Alot of sites are using the 3 digit security code on the back of cards now, hackers need them to make purchases so they are just trying new avenues to get them.

I have had so many people try to defraud my business through credit card fraud its not even funny. You just have to think with your head sometimes, and have the fbi's internet fraud division on speed dial.

JH
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post #10 of 14 (permalink) Old 01-13-2005, 09:38 PM
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You can't do anything with just the CVV code, most likely they found a CC receipt somewhere, or compromised some system, and needed that code..

CVV is based on the Card#,Exp Date, and CVK's (Card Verifcation Keys)

more info here:

http://www.primefactors.com/resource...ticle&rowid=37

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post #11 of 14 (permalink) Old 01-13-2005, 09:55 PM
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Good thread.. I move for sticky.

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post #12 of 14 (permalink) Old 01-14-2005, 04:05 AM Thread Starter
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Quote:
Originally Posted by SloMo228
How do they do anything with just those 3 numbers?
Basically those three numbers are what you use to authorize payments. Scammers have some fairly easy ways to rip off your info from the card. It's the 3 numbers that they have a hard time getting. Therefore, if they get it from you, they've effectively got YOUR card because that's all the info they were missing.

Quote:
Originally Posted by Metalbassist03
Good thread.. I move for sticky.
Awww, you're so sweet, I feel special... hehe, j/k

+1

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post #13 of 14 (permalink) Old 01-14-2005, 04:20 AM
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post #14 of 14 (permalink) Old 01-16-2005, 05:05 AM Thread Starter
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+1

Elliot
'95 who-the-hell-knows-what in progress
2003 Mustang Cobra radiator, 180* T-stat, Hayden Ultra-cool auxiliary transmission cooler, 13" slotted/cross-drilled front rotors, Dual-Piston PBR calipers Powder Coated Red w/ black logo, 17" 7-spoke Chrome Motegis, JVC Arsenal 5000 HU with touch screen, Kappa 5x7's, Audiobahn 12 pushing 550 rms, FF50 driving lights, FF75 fog lights, xenon 95 air dam, 97 side skirts, rear window tbird decal
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