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View Full Version : CREDIT CARD FRAUD!!!!!



knightflyte
10-29-2007, 03:02 AM
http://www.oxyclean.com/visa-fraud.html

NEW CREDIT CARD SCAM

The Holiday Season is just a little bit down the road and the bad guys are already trying to get free stuff by using your credit.

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 and 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 'Master Card'. 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 cred it 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 and friends. By informing each other, we protect each other.

JG52Uther
10-29-2007, 03:51 AM
Thanks for the info.Luckily I don't use credit cards anymore.
Pre pay cards are better for online purchases.

foxyboy1964
10-29-2007, 03:52 AM
Thanks for the heads up.

Feathered_IV
10-29-2007, 04:05 AM
Thanks http://forums.ubi.com/images/smilies/25.gif

Whirlin_merlin
10-29-2007, 04:12 AM
I was once contacted be Visa when they though my card had been 'clonned' it had!
At NO point did they ask for any information/numbers they just asked if I was making a specific purchase, when I said no they cancelled the card and told me a new one was in the post.
I was really impressed at how efficenctly they delt with it.

Billy_BigBoy
10-29-2007, 05:15 AM
I also have very good experience with (the real) Visa. The know how to treat a customer.

On the other hand, if you are in doubt, ask for a number so you can call them back. The real guys will give you that.

blairgowrie
10-29-2007, 06:25 AM
I was manager of a big Visa Centre for a couple of years. If this ever happens to you, all you have to do is deny you ever made or authorized the purchase. Your Visa bank will try to stick it to you but if you refuse to pay, they will have to eat it or charge it back to Merchant bank.

But very dumb if you give out any information to an unsolicited phone call.

amilaninia
10-29-2007, 07:27 AM
Thanks for sharing http://forums.ubi.com/images/smilies/16x16_smiley-happy.gif

Daiichidoku
10-29-2007, 07:33 AM
Originally posted by blairgowrie:
I was manager of a big Visa Centre for a couple of years. If this ever happens to you, all you have to do is deny you ever made or authorized the purchase. Your Visa bank will try to stick it to you but if you refuse to pay, they will have to eat it or charge it back to Merchant bank.

But very dumb if you give out any information to an unsolicited phone call.

ex worked for visa call centre for a major cdn chartered bank

this particular 'regal' (kanadians know what i mean) bank allowed CSRs to credit accounts in dispute up to $1100.00 at thier own discretion, as this was the figured cost to even start proceedings to recover the money, anything below that was not worth it

all one had to do was to call visa call centre for this bank, and deny they had made such-and-such purchase, etc

the lowest level CSR could wipe up to 1100$

good thing not too many ppl know abou... ooops!


also; the most common source of stolen CC numbers/info was gas stations....FYI

buzzsaw1939
10-29-2007, 08:15 AM
It's not a new scam, but a good heads up! http://forums.ubi.com/images/smilies/25.gif

Manos1
10-29-2007, 12:34 PM
Thanks!

Good idea to know about this....

~S~

Friendly_flyer
10-29-2007, 01:54 PM
Thanks, good to know!

Taylortony
10-29-2007, 02:30 PM
I heard a crafty one in a similar cunning vein of late involving Aircraft Radios, An owner discovered his radios had been stolen, so there was an alert put out for the serials etc amongst all the shops in the area........ Nothing was found, a year later another Aircraft from the airfield goes in for it's Annual Maintainance and when they take the radios out they find they are the boxes reported as stolen the year before.......

This is how it works, they find two aircraft with an identical radio fit on the field, they removed the boxes from both aircraft and fit the boxes removed from plane B into plane A... Naturally as plane A has a radio fit it is assumed rightly that Plane B has had it's boxes stolen and serial numbers circulated, when infact the ones missing are plane A's therefore the actual stolen boxes can be shifted on as they know they will have months to move them and they have not been reported as stolen......



Another going round here (UK) is you get a parcel missed delivery slip from a company that sounds genuine through the door with a phone number to rearrange delivery... you call it and unbeknown it is a premium call number in Belize and the call has just cost you 20.......... a card through each door in a street and you can imagine how much they make.... nasty thing is, they have a month till the phone bill arrives so you don't know and if you think, that parcel still hasn't arrived you try again... http://forums.ubi.com/groupee_common/emoticons/icon_mad.gif

JG6_Oddball
10-29-2007, 06:14 PM
Originally posted by JG52Uther:
Thanks for the info.Luckily I don't use credit cards anymore.
Pre pay cards are better for online purchases.

diito..nothing to worry about then
S!

leitmotiv
10-29-2007, 06:44 PM
DIABOLICAL

mortoma
10-29-2007, 08:03 PM
Originally posted by JG52Uther:
Thanks for the info.Luckily I don't use credit cards anymore.
Pre pay cards are better for online purchases. Where or how do you get these pre-paid cards?? I've never heard of 'em.

PBNA-Boosher
10-29-2007, 09:25 PM
Sometimes banks issue them and link them to your checking account as a debit. if you're a member of the AAA club in the USA, they also have a debit-like plan.

mortoma
10-29-2007, 09:43 PM
But it's not a debit card, right? I have had debit cards for ages but that isn't really a pre-pay card. And a debit card is just as risky to use on the internet as far as I know. I don't think my bank issues those but I will ask a teller the next time I go to the bank.

Copperhead311th
10-29-2007, 10:08 PM
Originally posted by mortoma:
<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by JG52Uther:
Thanks for the info.Luckily I don't use credit cards anymore.
Pre pay cards are better for online purchases. Where or how do you get these pre-paid cards?? I've never heard of 'em. </div></BLOCKQUOTE>

In the US some check cashing/ pay day loan stores will have them. fees are resaonable and up front. and you usually put X ammount of money on the card when you purchase it. they give you a temporary card and a week or so latter they send you a permanat one. it works pretty much the same way as a debit/ check card works from a bank.

Personally i cut all of mine but 2 up a few years ago. the 2 i kept 1 visa & 1 MC each with a 400.00 limit & both with a ZERO balance. they do not come out of my wallet for anything. they are emergnecy only. if i need to buy something off the internet..i'll use the pre-paid visa. and i only put enough on it to cover the purchase amount. eveything i own (except the car & the truck) is paid for out right. If i can't pay for it out right with cash i don't damn need it. amd if i want it really bad...i'll save up the cash for it...thuse saving my *** a tone of fees & intrest.

Remember guys CASH is intrest free.....forever.

Pirschjaeger
10-29-2007, 11:38 PM
How do we know the original poster isn't setting us up? http://forums.ubi.com/images/smilies/blink.gif

Just kidding. http://forums.ubi.com/images/smilies/35.gif

I hate credit cards and the whole system. Since a pc is so easy to hack from the net, how can you feel safe using a card over the net, especially here in China where they actually have schools offering courses in hacking.

I have 32 rabbit pelts, 3 chickens, 2 goats, and four unused arrows. Will trade evenly for an ueber pc. http://forums.ubi.com/images/smilies/16x16_smiley-very-happy.gif

Fritz

Tab_Flettner
10-29-2007, 11:46 PM
I have 32 rabbit pelts, 3 chickens, 2 goats, and four unused arrows.

Wow, come back to Canada and live like a KING!

Pirschjaeger
10-29-2007, 11:52 PM
I can't! I'm wanted on rabbit pelt fraud charges.

Seriously, they didn't look like cats to me. http://forums.ubi.com/images/smilies/blink.gif

Fritz

Tab_Flettner
10-29-2007, 11:57 PM
Cats, rabbits, whatever, its all tasty. Now that winter has set in we're lucky to have any meat at all. If I was rich like you I would buy a house and move out of my sod hut.

Sergio_101
10-30-2007, 02:22 AM
"Dog very very good, Cat TERRIBLE"
"You Americans crazy people, eat good farm annimals, keep food as pets".

Sergio