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check BEWARE CREDIT CARD SCAM - 12-06-2007, 11:42 AM


Don't know if this has reached you all yet, if not please read and

All, I was made aware of this from colleagues in GS&F cards, it's a
cautionary tale, however, shows the ingenuity of how professional fraudsters
are, what's more frightening is that I've had a genuine call from cards on
a transaction I made and the script is almost word perfect with the
exception of the stuff in red.
Recommendation is if you get a call, you call back Card Centre don't respond
to first enquiry. The following is the details provided to/by GS&F.
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 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 .

Lynn Cottriall
Sales Process Adherence Analyst
Sales Support & Productivity
RBS Retail Banking - Managing Director's Office
Business House D -2nd Floor, Gogarburn
EH12 1HQ
Depot Code 045
Tel; Mon - Wed 07787 105109
Tel; Thu - Fri 0131 626 2014
[email protected]
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12-06-2007, 12:15 PM

Maru ne
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12-06-2007, 12:16 PM

thanks rapa
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