Visa and Mastercard telephone scam

  Border View 15:49 20 Nov 04

I apologise if someone else has reported this but I've just read about a telephone scam and have duplicated the information for you. Hope its of some help. Regards

I've just been warned about this, and it could potentially be financially fatal to you so close to Christmas. Visa and MasterCard Scam. A friend was called on the telephone this week from 'VISA' and another was called on Thursday from 'MasterCard'. It worked like this: Person calling says, 'this is Carl Patterson (any 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. Did you purchase an Anti-Telemarketing Company a device/any expensive item, for £497.99 from a marketing company based in (any town?) 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 (they give 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 your card and ask for Security. You will need to refer to this Control number. They then give you a 6-digit number. 'Do you need me to read it again? The Caller then says he 'needs to verify you are in possession of your card' (this is where the scam takes place as up until now they have requested nothing!). They then ask you to turn your card over. There are 7numbers; the first 4 are 1234 (or whatever, as they have your number anyway). The next 3 are the security numbers that verify that you are in possession of the card' (these are the numbers they are really after as these are the numbers you use to make internet purchases to prove you have the card). 'Read me the 3 numbers.' When you do 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 they were called on Wednesday, they telephoned back within 20minutes to ask a question. Are they glad they did! The REAL VISA security department told them it was a scam and in the last 15 minutes a new purchase of £497.99 WAS put on their card. Long story made short. They made a real fraud report and closed the VISA card and they are reissuing a new number. What the scam wants is the 3-digit number and that once the charge goes through, they keep changing every few days. By the time you get your statement, you think the credit is coming, and then it's harder to actually file a fraud report. THE REAL VISA/MASTERCARD DEPARTMENT REINFORCED THE POINT THAT THEY WILL NEVER ASK FOR ANYTHING ABOUT THE CARD SINCE THEY ALREADY KNOW EVERYTHING ABOUT IT!!!!. What makes this even more remarkable is that on Thursday another friend got a call from 'Jason Richardson of MasterCard' with a word for word repeat of the VISA Scam. This time they didn't let him finish. They hung up. They 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 co-workers so please pass this on to your friends..

Hope its not a hoax report

  Forum Editor 17:19 20 Nov 04

and in the American version it's $497 instead of pounds.

Oddly enough it's one of those stories which is neither all hoax or all true - it's a mixture of both. VISA say that although this scam is possible they have only a limited number of reports of it actually happening. It's certainly not a widespread attempt at theft. Card issuers would obviously never ask for your card details over the phone, and I think that most people would know this. According to VISA there's definitely nothing to suggest that lots of people have been taken in.

As always with these stories, it's best not to mail them off to everyone on your address book - that's precisely what the people who start the rumours want you to do.

  Border View 18:29 20 Nov 04

Many thanks. You never know these days. I remember when I worked as a Community Safety Officer we heard from a reliable source about a scam, my colleagues at Police Headquarters "verified" the information and I sent warning e-mails to everyone in my address book. Needless to say it did turn out to be a hoax. Hence I am now very careful.

  Forum Editor 18:46 20 Nov 04

We're a community here, and even if one person has learned from it your thread has served a purpose.

  accord 09:29 23 Nov 04

I cant believe people still fall for these scams.

About 6 months ago I upgraded my mobile phone with Vodafone and was contacted by phone by their new business dept who offered me a free phone instead of charging me £100 in the shop. I thought this was fishy as they were competing against themselves. After 10 mins of questioning the guy at Voda and him asking me to authenticate myself I finally agreed to the better deal.

Jist of the story is that I didnt believe he was from voda and asked HIM to confirm my name, address, moby number and my last bill amount.

At the end of the day, NEVER give any details to ANYONE if you think there is something amiss. Banks never ask for the 3 digit security number on your card.

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