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Topic: OT PSA NEW CREDIT CARD SCAM - FOR REAL (UNCLASSIFIED) (105 lines)
1) From: True, Dennis W. FC1 (CVN69)
This is a multi-part message in MIME format.
Classification:  UNCLASSIFIED 
Caveats: NONE 
      
 I checked this out on Snopes Urban Legend site and it is true.  Here is
the linkhttp://www.snopes.com/crime/warnings/creditcard.asp
 
 Subject: New Credit Card Scam 
 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 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. 
 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 
your 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 to 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. 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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Classification:  UNCLASSIFIED 
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