New Credit Card Scam

[Pokerkitty6]

>New Credit Card Scam
>Snopes.Comsays this is true.To verify see this site:
>
>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 & Master
Card 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 ?'
>
>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
'Jason Richardson 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, friends and neighbors. By
informing each other, we protect each other.

[GloBug]

dude this so crazy. i got a call from someone just like the visa guy . i thought it was funny that he asked for the same info. well when i heard that i knew that u will never be asked by for that info by visa so i told him to go and f himself. then he hung up. lol wow i didnt know it was this big. well thanks for the info and i will let everyone i know about this.

[Lilred36]

Wow this is crazy.I despise dishonest people,they work harder trying to figure out ways to scam you than if they had a real job.Thanks Kitty great info here from a great gal.thanks again for looking out for us.

[BnLM5]

Wow this is crazy.I despise dishonest people,they work harder trying to figure out ways to scam you than if they had a real job.Thanks Kitty great info here from a great gal.thanks again for looking out for us.

Isn't that the truth? And interesting to say the least that people put so much time and energy into ripping people off than they would if they would just work for their own money.

Thanks Pokerkitty for the insight on this it is much appreciated!

[herlis]

people will do anything to get some easy money rather than to work for their own hard earned money , the easy way is always very tempting and gives you what you need in an instant but then of course easy come easy go , poof the money is gone and you need to do another scam...LOL

[herlis]

and it goes on and on until they get caught and ends up in jail.

[thenutzaa1]

thanks for the scam info!

All you have to do is get your credit report every 3-4 months. You can do this for free online. No company like "freecreditreport.com" or any company like that.

just go to the three major credit reports agency's. trans union, equifax, and experian. you can request one every three months for free.

i hope no ones gets scam!

[GloBug]

thanks for the scam info!

All you have to do is get your credit report every 3-4 months. You can do this for free online. No company like "freecreditreport.com" or any company like that.

just go to the three major credit reports agency's. trans union, equifax, and experian. you can request one every three months for free.

i hope no ones gets scam!

u know that the more u inquire about your credit info the more u get dinged right.

[thenutzaa1]

yea i know thats why i recommend the three agencies, if you get three a year one from each it will not damage your credit score at all. More than three or by a company will hurt it.

set up by law you can obtain at this website with no damage.

here is a link by the gov. to show you how to do it for free. The Federal Trade Commission's Information on Free Annual Credit Reports

[Pokerkitty6]

I use the free annual credit check every year. I think you can only use it for free once a year. Things may have changed since I last got my report, but they are great! If you have an old credit acct., 7 years or older, you can dispute it and it will come off your acct. because it is over 7 years old. I have done this and it works with no problems. Easy way to bring up your credit score when these come off the report. Don't be afraid to dispute it's very easy and works most of the time. Stick to your guns and make them at least think you know your state laws. They usually do not want to argue. Good Luck and check it out!

[thejuanupsman]

This isn't a new scam but it is getting a lot more attention lately and that is a good thing.