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  • Another ****

    Just got this from another forum..............

    Latest ****

    This one is pretty slick since they provide Y O U 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 **** 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 **** 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 **** 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 **** 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 ****mers 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 ****mers 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 ****. 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 **** is happening .

    Please pass this on to all your family and friends. By informing each other, we protect each other.

  • #2
    Thanks for the heads up Peter - I will e-mail as many people as I can - shouldn't give out your number over the phone but these guys are clever.



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    • #3
      Oooo thanks for this! I will pass on to as many as possible.

      Could use a word here but I'm a lady, so wont.

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      • #4
        Just posted it on another forum thanks

        I Love My Computer Because My Friends Live In It


        • #5
          You guy know the mobile **** ?

          If anyone every phone you and asks you to press any number DON'T !

          Basically don't answer the phone and your ok

          If you do answer the phone then never give any details to ANYONE..

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          • #6
            Thanks for that, I'll make sure I pass it on!

            "One must have chaos in oneself in order to give birth to a dancing star."


            • #7
              I'm so cautious anyway - always think the worst of cold callers anyway!!

              Usually tell them what I think and ask for their number to ring them when its convenient for me - that scares them hehehehe!!


              • #8

                ..Where do these people get all those card details from?

                I'm still reeling from this Child Benefit thing last week. I've had a letter apologising for losing all that confidential if that will make me feel better.

                Apple Tree Crafts


                • #9
                  I have passed it on to everyone I can think of too.

                  Cheers for the warning.



                  • #10
                    I'm glad to say this email seems to be doing the rounds as i've received it 3 times now. Rather receive it too many times than not at all though.

                    I'm to trusting for my own good, this was proved again last week and has landed me £20 out of pocket .............will i ever learn
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                    • #11
                      Just came across this thread, thank you for the warning I too will pass it on. I too get fed up with these callers, since I've started advertising in magazines I get several calls each week from companies ' who aren't trying to sell me advertising space'!! What are the it away!!!!!
                      I'm tempted to borrow a loud whistle and blow it down the phone!!!!!!!!My guilty secret is I have actually asked them to hold on as the baby is crying and then put the phone to the surround sound speaker and turnded it on full blast!!!!!!!!!!!!
                      Anyone got any other ideas for dealing with these kind of calls?? Sorry I know these guys are only doing a job, maybe I should be more tolerant but OOOOOOOOOHHHHHHHHHHH it makes me mad when I'm in the middle of something and I get a call.




                      • #12
                        just passed this on to a couple of web sites here in Spain


                        • #13
                          Passed it on to everyone I know ty
                          Shabby Neesey


                          • #14
                            Horrible fraud

                            Hi! Thanks for that. I will pass it on. Last year I had £1000 used from my current account by a fraud. They must have used the net for it as I had been buying craft items and different things from web sites. I got it all back but it was such a shock to get a letter from the bank saying I was over drawn!!! It's my own little account aside from household things and I have never been over drawn onit in my life! What a shock! There are some awful people around aren't there!!! Cheers. Susie Q.


                            • #15
                              thanks for that info, will pass on