Person calling says, "this is ,
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 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 #" 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 charge on 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, an
d by then it's almost to late and/or harder 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.