New Credit Card Scam

Discussion in 'General Scam formats' started by Phoenix, May 7, 2009.

  1. Phoenix

    Phoenix Ninja

    It's always good to be mindful of the information we give out over the phone... and here's a new wrinkle on what scammers are doing these days. says this is true. See this site

    New Credit Card Scam

    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 'Master Card'. The scam works like this: Caller: '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 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 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 Master card 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 'JXXXX RXXXXXXXXX of Master Card' 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.

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

    yullan Member

    DANGER! New Credit Card Scam

    From Phoenix:
    Good heavens! I'm speechless…

    …Perhaps our technology is getting too sophisticated, yet lackluster for its absence of good security. I have a hunch that many of these scams are "inside" jobs where the scammer works at the victim's bank and thus has access to the victim's phone number, address, etc.

    For anyone who might be interested, I have some timely advise on the subject of credit cards: please visit Some good wisdom is offered on that site. The following came to me in an e-mail:

    Don’t Become a Victim to Scams​

    Many people have lost their jobs in the last few months as the economy has turned sour. Scam artists are still fully employed, however, in good times and bad. The threat of being defrauded is just as prevalent during a recession, as money becomes tight and thieves work overtime to get their hands on yours.

    The “We can repair your credit!â€￾ Scam:​

    During a recession, a lot of people fall behind on their payments for credit cards and other debt. Con artists take advantage of this situation by creating fake companies that offer to “clean upâ€￾ your credit. This can be confusing, because there are legitimate, accredited credit counseling agencies that do advise people on how to improve their debt situation. No one can quickly “eraseâ€￾ information from your credit record, however, or repair it immediately, so be wary of offers to do so. And remember that if there are mistakes on your report, you can resolve this problem yourself by contacting the three national credit bureaus.

    For more information, the National Foundation for Credit Counseling site ( contains debt advice and a list of ethical credit counseling agencies.

    Read more on common scams and how to avoid becoming a victim.

    Of course, AFI has been working for me quite well, too. God bless you!
  3. trevorlawrence

    trevorlawrence I am a spammer

    Preventing ATM Scams

    Hi All,

    We see ATM machines everywhere we go. Convenient stores, fastfood chains, donut shops, department stores, gas stations, and even nail spas have ATM machines inside. ATM theft has been a big problem and will always be. Did you hear about the Arco gas station and Lunardi's Supermarket ATM scam incident back in May 2008 where customers of both establishments were victims of identity theft? The card reader / scanner at the check out counter has been tampered and customers' debit card information (card and PIN numbers) were stolen. This is a type of card skimming scam wherein a device is inserted into the card slot on an ATM to capture your card information. Here are a few tips to protect yourself from ATM scam or theft.

    * When shopping use cash or credit card as majority of the credit cards have 100% Fraud Protection. With a debit card, you may have limited protection depending on how soon you notify your bank about the fraud.

    * Change your pin regularly. Make it a habit to change your PIN regularly. This also applies to your email and online bank accounts as well

    * Before you use an ATM machine, check for dubious devices like extra video camera mounted to the ATM machine. This is another type of ATM scam in addition to skimming where thieves mount a wireless video camera inside the ATM area so they can watch you as you enter your PIN. Check the card slot. Do you see a plastic strip or film sticking out? Is there anything glued to the card reader or cash dispenser?

    * If your card is stuck inside the card slot, do not leave the machine. Call the branch or the bank's 24 hour service number and report the incident by using your cell phone.


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