RE: CRIME Credit card scam alert

From: Kuo, Jimmy (Jimmy_Kuo@private)
Date: Sun Jun 06 2004 - 10:34:22 PDT

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    It should be noted that "had the following experience" probably meant,
    "received an email from his wife" and probably not the actual experience of
    the scam because this email has been floating around the internet for weeks.
    -----Original Message-----
    From: George Heuston [mailto:GeorgeH@private]
    Sent: Wednesday, June 02, 2004 11:14 AM
    To: crime@private
    Subject: CRIME Credit card scam alert
    One of our list members had the following experience:
    I received this info from my wife at State Farm Insurance and Bank. Please
    be aware of this credit card scam. 
    Subject: VISA & MASTERCARD Telephone Credit Card Scam
    This information is worth reading. By understanding how the VISA &
    MasterCard Telephone Credit Card Scam works, you'll be better prepared to
    protect yourself. 
    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> bank. Did you purchase
    an Anti-Telemarketing Device for $497.99 from a marketing company based in
    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 charged 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 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 harder to actually file a fraud
    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...

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