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Thread: Credit Card Scam

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Chob's Avatar
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    Credit Card Scam

    A friend of mine thought this important enough to send me -


    Visa / MasterCard FRAUD



    Verified with Snopes: snopes.com: Visa Fraud Investigation Scam



    This is a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in the Midwest right now and moving across the country. ( USA )



    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 '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 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 last 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 last 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. We were 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. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the Scammer 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 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 Scammer 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain, and so on through the above routine.



    It appears that this is a very active scam, and evidently quite successful...



    Pass this on to all your family and friends.
















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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน supersub's Avatar
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    Thanks for the heads up. I've paid for stuff over the phone using my VISA card and on those occasions I did have to give them that 3 digit number. But as you rightly pointed out VISA would already have this so they shouldn't need to ask for that.

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    PGC
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    ประเทศไทยเพื่อน Uber Dreamer ผู้เพ้อฝัน PGC's Avatar
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    Quote Originally Posted by supersub View Post
    Thanks for the heads up. I've paid for stuff over the phone using my VISA card and on those occasions I did have to give them that 3 digit number. But as you rightly pointed out VISA would already have this so they shouldn't need to ask for that.
    You would still need to give the number out to shops if you are buying online or over the phone, but shouldn't ever need to confirm it with VISA direct. The thing I hate is when the bank rings you and then asks for confirmation of some security questions.........FFS you rang me.......

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน supersub's Avatar
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    Quote Originally Posted by PGC View Post
    You would still need to give the number out to shops if you are buying online or over the phone, but shouldn't ever need to confirm it with VISA direct. The thing I hate is when the bank rings you and then asks for confirmation of some security questions.........FFS you rang me.......

    Yes I hate that too. Although on a few occasions I've been suspect and have said ok can I call you back which they were happy for me to do.
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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน slampay's Avatar
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    I've had a couple (2) of these calls. When they ask me what my three number security code is I say "E.A.D". After I explain why that's not a number, they hang up. 555

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Chob's Avatar
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    Wouldnt "FK..U" be a little more heart warming ? 555

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Dupree's Avatar
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    When they call me I tell them what I think of their Mother...55
    I just girl in bar. Buy me one dink?....

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    i always say just hang on let me get my card....wonder how long it takes them to work out im not coming back 55555
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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน slampay's Avatar
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    Weird but I will give some 18 year old kid over the phone that works at a pizza joint everything but my blood type just so they can deliver a large combination as soon as possible...

    In hunger we trust.
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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Chob's Avatar
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    Quote Originally Posted by Dupree View Post
    When they call me I tell them what I think of their Mother...55
    Funny , I used to ask them their mothers maiden name then add , "Is her last name Fcuker ?"

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน justcruzing1's Avatar
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    This is another reason to not let your CC be taken out of your sight, they can easily remember the verification number and right it down after they return it to you. They already have your card number from the transaction.

    A while back i posted about a fellow at a pizza shop and he noticed the cashier was playing with his phone, it was the same as his own, he then heard the noise it makes when taking a photo and realized his card had been photographed displaying his number and signature on the back.

    Take care out there.
    "Of course you love me darling, I handsome man 55555"

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    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน MarcTwoSix's Avatar
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    Funny story about CC/Debit Card

    Last night I was going to the gym in my building and my wife and nephew were heading to the Vietnamese noodle shop that is downstairs in our building
    I gave Ao my Debit card and told her my pin
    Went to the gym, then come home only for her to stomp in the house, "card no work" and have to get money
    I gave her my CC pin #, not the Debit pin # 555

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    Thai Dreamer ผู้เพ้อฝัน Hatari's Avatar
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    ATM scams almost a daily event

    ATM scammers reap Bt1 million in Krabi
    The Nation August 14, 2014

    ATM skimming has taken more than Bt1 million from 40 users of automated teller machines in Krabi province during the past week.
    Muang Krabi Police Station superintendent Colonel Pruetipong Nuchanart yesterday said 40 victims had come forward since August 7.
    The victims include Taweepong Charoenroop, captain of Krabi Football Club. He found that Bt323,868 was withdrawn from his bank account via an ATM transaction without his consent.
    Another victim has identified the ATM at Krabi City Hall as a machine with problems.
    He put a sign there saying, "Do not use this ATM. I withdrew money from it at 8.20am on August 13 and found that my account was hacked for use in Taiwan. Best wishes." It is a Krungthai Bank machine.
    Pruetipong suspected that a gang from Malaysia had hacked the system about a month ago before beginning to withdraw cash.
    The bank reportedly has assured its customers it will take responsibility for damages.

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